(2) Conditions for establishment: articles of association, shareholders with continuous capital contribution, registered capital, qualified employees, internal management system, business premises and other conditions.
(3) The minimum registered capital is 50 million yuan, and it is paid-in monetary capital. (But at present, banks have higher requirements for registered capital when choosing cooperative guarantee institutions, such as Bank of Communications, which is not less than 654.38 billion yuan. Most guarantee companies generally adopt the mode of installment investment. )
(4) Financing guarantee companies generally adopt two ways: limited liability companies or joint stock limited companies, which will introduce a variety of capital, which will be funded by * * *, and * * will bear the risks. With the approval of the regulatory authorities, it can engage in financing guarantee business and non-financing guarantee business.
Financing guarantee business includes: loan guarantee, bill acceptance guarantee, trade financing guarantee, project financing guarantee, letter of credit guarantee, etc.
Non-financing guarantee business includes: litigation preservation guarantee, bid guarantee, advance payment guarantee, project performance guarantee, final payment guarantee and other performance guarantee business;
Other businesses include: intermediary services such as financing consultation and financial consultancy, and investment with own funds. (1) A financing guarantee company shall establish and improve its corporate governance structure according to law, improve its rules of procedure, decision-making procedures and internal audit system, and maintain the effectiveness of corporate governance. Generally, there will be a comprehensive department, a business department, a risk control department and a legal department.
(2) A financing guarantee company shall establish a guarantee evaluation system, a decision-making procedure, an after-the-fact recovery and disposal system, a risk early warning mechanism and an emergency response mechanism that conform to the principle of prudent operation, formulate strict and standardized business operation procedures, and strengthen the risk evaluation and management of guaranteed projects. (1) Refine customer access: formulate customer access standards, strictly follow the financing guarantee customer access standards, and strictly control risks in risk assessment according to the risk management standards and means of financial institutions.
(2) Strict process management:
The main contents of the pre-insurance investigation are the comprehensive analysis of the applicant's basic situation, the applicant's business management, asset status, loan purpose and repayment source, counter-guarantee analysis, risk analysis and preventive measures.
Guarantee review mainly includes applicant review, repayment source review, counter-guarantee review, loan use review, risk indicator review, credit structure review and compliance legal review.
The main contents of post-insurance management include post-insurance inspection and post-insurance management, risk classification, risk early warning, overdue collection and so on.
(3) Implementing counter-guarantee measures: including comprehensive counter-guarantee measures such as mortgage, pledge, joint and several liability guarantee counter-guarantee and deposit counter-guarantee.