The Audit Bureau of Qianjiang City recently audited a state-owned guarantee company in the city, and found that the secured loan situation is worrying, with great potential risks and imperfect management, which is manifested in the following aspects: First, the secured mortgage foundation is insufficient and the information is incomplete. The audit spot-checked some business files, and found that 5 secured loans had no loan contract, 6 mortgaged assets had no industrial and commercial mortgage registration certificate, 3 loans had to go through mortgage procedures after loan, 8 mortgaged assets had no evaluation report, 65,438+02 loans were mortgaged with excessively liquid inventory that was not stored separately, 6 loans had insufficient mortgage amount, and 2 loans were mortgaged with equity (no contract). 1 loan is mortgaged by personal reputation, 1 loan is mortgaged by accounts receivable, 4 loans are mortgaged by assets that have been mortgaged to banks, and 5 loans are mortgaged by unauthorized land use rights. The second is to provide loans exceeding the prescribed limit to 12 enterprises. According to Article 27 of the Interim Measures for the Administration of Financing Guarantee Companies, the balance of financing guarantee liability provided by a guarantee company to a single guarantor cannot exceed 65,438+00% of its net assets.
. A guarantee company adopts the method of breaking up the whole into parts to provide guarantees exceeding the prescribed limit for 12 enterprises. The third is to guarantee enterprises that lend in non-bank institutions.
20 1 1, 10 enterprises obtained loans of 49.5 million yuan in four non-bank institutions, such as Qianjing Pawn, Huitong Pawn, Qianjiang Huixin and Schindler Company, because these institutions have no credit evaluation system and the overdue rate is high. At present, it is overdue by 37 million. Fourth, there have been three times of guarantee liability compensation, resulting in tens of millions of losses.
In 20 10, the two companies were compensated for the principal, interest and expenses of 29,424,200 yuan, and some of the disposed assets were recovered 1.5 1.99 million yuan, with a balance of 27,904,400 yuan. The expected income of its mortgaged assets is 1.80 million yuan, and the expected loss is 9,904,400 yuan. The Jincheng cotton industry case, which shook for a while some time ago, has brought tens of millions of losses to the guarantee company because it involves guarantee compensation.