1. Why did you run?
As an honest labor service and legal guarantee company, its company has two characteristics: first, its business risk is intensive; Second, their profit rate is low. In other words, relative to its total investment and financing, its profit is very low, about 3-6%, that is, pure guarantee fee income. My major in college is economic management, not to mention how professional it is, but I have developed a "cost-benefit" thinking. Everything has cost problems. From this perspective, it can help me understand many things. The running and persistence of guarantee companies can also be understood through such a "cost analysis method".
In short, as a guarantee company, whether it will give up the existing company and choose to run away depends on how tempting it is to run away. The greater the temptation, the more dangerous it is.
A: Too much money in hand, too much temptation, and I don't want to operate for a long time;
We despise or hate this idea, but it is human's bad habit! When the temptation is too great, people's inherent values often change subtly. The operation mode that will cause this result is illegal fund-raising! Needless to say, Samsung and Baihua believed that the uncles and aunts around 50 years old were still in shock! In fact, people who operate illegal fund-raising don't necessarily leave for money at first, but with more and more money in their pockets, it is more and more difficult for people to resist the temptation. The evaporation of the company is inevitable in the end.
B: The loss is too great to compensate;
The guarantee company is a risk-intensive enterprise, which requires the guarantee company to have absolute strength and trading ability in risk control! This is the real core technology of the guarantee company. Because the guarantee company bears 100% of the compensation liability with 3-6% of the guarantee fee income, you will know at a glance that if there is no very powerful risk control means, the profit of the guarantee company cannot be realized. If you compensate one or two, no one will choose to end the company for it; But when the amount paid has far exceeded the ability of the company and the boss, what kind of choice he will make depends entirely on his personal beliefs.
C: illegal operation, evading legal responsibility.
There are several legal bottom lines for the operation of guarantee companies, which are called "high-voltage lines" in our industry, namely:
Illegal fund-raising-(Operational performance: the guarantee company requires the wealth management customer to directly transfer the money to the account of the guarantee company or an employee account of the guarantee company, instead of the wealth management customer directly transferring the money to the financing customer. )
Illegally engaged in financial business-(Performance: There are double standards for the interest of wealth management and financing customers. For example, the borrower's loan interest is 2 points, while the interest rate of wealth management customers is only 1.5. Because the qualification of a guarantee company is only a financial intermediary, not a financial institution, legally speaking, a guarantee company has no right to earn interest margins. )
Usury-(Operating performance: super high income. The law stipulates that the loan interest of private lending cannot exceed 4 times of the bank's loan interest in the same period. If it exceeds this range, it is recognized as usury. )
Once these three high-voltage lines are touched during the operation, it is illegal operation. For companies that operate in violation of regulations, the risk cost can no longer simply calculate economic losses, and legal sanctions may be involved. Faced with such a situation, where will the bosses of these illegal guarantee companies go? We don't know.
2. What should I do if I escape?
First, the debt relationship will not disappear because of the disappearance of the guarantor;
The role of the formal guarantee company in the contract is the guarantor, and the debt relationship between the borrower and the lender will not disappear because of the disappearance of the guarantor, that is, even if the guarantee company runs away. Debt relationship still exists.
B. Justice-the right of enforcement;
It is best to have a notarial certificate from the notary office for each contribution. Let our rights be further strengthened. Notarial certificate can make our loan contract enforceable, and we don't have to be silent lambs.
C. reserves.
The Interim Measures for the Administration of Financing Guarantee Companies of Small and Medium-sized Enterprises issued on March 8th is a great boon to all guarantee companies and wealth management customers who are operating normally! The most important one is to require all guarantee companies to have a certain proportion of "compensation reserve" in the designated bank account as the final guarantee of compensation. In other words, the guarantee company will no longer be unconstrained, but will have legal and economic constraints to guide the legal and benign development of the guarantee company and ensure the financial security of wealth management customers.
Everything happens for a reason and a sign. What we have to do is to find these bad signs before managing money, and suddenly change them to ensure safety. Mainly from the following aspects:
1, the strength of the guarantee company. See if the guarantee company really wants to do it;
2. Watch movies. See what financing projects the guarantee company is doing, and then evaluate the risk control strength of the guarantee company. You should choose a guarantee company with very strong risk control ability to cooperate. Only by trusting each other can we cooperate happily;
3. Look at the business process. If you find traces of illegal fund-raising, interest spread and usury in the process, please stop cooperation with this guarantee company immediately, and don't hesitate! Unless you want to lose everything! Don't take any chances, the income level of the guarantee company is definitely not worth taking such a big risk.
4. Look at the contract text. See if there is a formal loan contract, preferably a fair contract. In this way, our rights will be covered with an extra layer of insurance and protection. Who will have too many?
5. Look at the level of interest. If the annual income of a guarantee company's guaranteed wealth management products exceeds the bank's interest rate for the same period by 4 times, please choose carefully! Because your income is no longer protected by law. Financial management is often a psychological game. As long as we have a peaceful mind, don't be so eager for quick success and instant benefit, and keep our original sober mind and clear thinking, we can stay away from danger and enjoy the benefits easily.