Guarantee is a very professional industry. As far as risk control is concerned, it is necessary to find many executives from the financial industry, especially banks, and establish a relatively stable risk control system. In addition, it is necessary to have good relations with various banks and obtain access qualifications and credit lines in various banks; The requirements for registered capital are not very strict, which can be achieved through repeated capital verification or borrowing, but at worst, it still needs 78 million yuan (not necessarily its own).
In order to develop guarantee business, it is necessary to maintain close cooperation with banks, and the preference of banks for guarantee companies is not that actual controllers/investors invest in guarantee companies exclusively, nor is it a monopoly, but that they are natural persons or legal persons who have strong strength in other industries and have extra funds to invest in guarantee companies.
In reality, although the establishment of a company does not require investors to have very professional ability, it still requires investors' socio-economic strength and social network. Usually, the actual controller of a guarantee company does not appear in the titles of legal representative, responsible person and general manager, and the actual shareholders are generally composed of multiple natural persons or legal persons.
To sum up, the guarantee industry is not an industry suitable for starting a business. The key point of entry is not hardware strength, but more software strength. If you and your investment partner/partner have basic funds and good social resources/relationships, you can consider investing in this kind of industry.