Knowledge of Guarantee Business Chapter I General Provisions Article 1 In order to ensure the standardization, institutionalization and proceduralization of guarantee business, and to prevent and control guarantee risks, these provisions are formulated in accordance with the relevant provisions of the Measures for the Administration of Guarantee in People's Republic of China (PRC) and the system requirements of our company.
Article 2 The guarantee business shall abide by national laws and regulations and follow the principles of voluntariness, fairness, honesty and credit and reasonable risk sharing. Chapter II Business Process of Guarantee Article 3 The business process of guarantee is as follows: (1) application, (2) acceptance, (3) preliminary examination, (4) appraisal, (5) examination and approval, (6) signing contract, (7) mortgage registration, (8) collection of guarantee fee, (9) lending, (/kloc) Book "-Providing Guarantee Application Materials" List of Application Materials for Guarantee "Guarantee Acceptance-"Registration Form for Guarantee Project Acceptance "Project Preliminary Examination-Determining Project Owner, Co-organizer-Basic Contents of Project Preliminary Examination-Field Investigation-Guarantee Investigation Report-Suspending Guarantee Project Processing Sheet, Quitting Guarantee Process Enterprise Project Review-Departmental Review and Meeting Review-Reviewing Project Review, Signing Contract-Notifying the enterprise that passed the meeting review-Preparing blank contract text (loan contract, guarantee contract, Counter-guarantee contract and entrusted guarantee contract)-Review blank contract text (guarantee department and general manager)-Sign contract text-Review completed contract text (guarantee department and general manager)-Sign mortgage registration by legal representative and company-Prepare mortgage registration materials (main contract, guarantee contract, counter-guarantee contract and other materials)-Certificate of other rights or mortgage registration form (signed by registration authority). Lending-"Lending Notice"-Copy of Loan Receipt Guarantee Charge Management-Daily Inspection, Key Inspection-Checklist of Guarantee Items-Post-guarantee Inspection Report-Notice of Maturity of Guarantee Items-Compensation and Recovery Scheme for Business Archives Management-Termination of Guarantee in Legal Proceedings-Copy of Loan Repayment Receipt-Cancellation of Pledge Registration-Return of Collateral, Deposit of Original-Confirmation of Exemption from Guarantee Responsibility Chapter II Guarantee Application and Acceptance Article 4 The borrower shall fill in the guarantee application.
(1) Information that the borrower should provide: 1. Legal person business license (annual inspection) and legal person code certificate 2 copies. Certificate of legal representative. Power of attorney of the legal representative. Identity cards of the legal representative and the entrusted agent. Capital verification report of registered capital. Credit card and credit card receipt. Credit certificate. Articles of association and contract. Loan application 10. Apply for loans and loans. The resolution of the board of directors of the guarantee is 1 1. Financial statements for the current period and the last three years and audit reports issued by intermediary agencies. Statements mainly include: balance sheet, income statement, cash flow statement, etc. 12. Information related to the purpose of the loan: purchase and sale agreement, cooperation agreement, etc. 13. Project feasibility report and approval from competent authorities 14. Production and operation 15. List of major inventories, long-term investments, fixed assets and bank loans, aging analysis of accounts receivable and list of contingent liabilities 16. Other relevant materials (II) Materials to be provided by a third party for counter guarantee: 1. Legal person business license (annual inspection) and legal person code certificate 2 copies. Certificate of legal representative. Power of attorney of the legal representative. Identity cards of legal representative and entrusted agent. Capital verification report of registered capital. Credit card and credit card receipt. Credit certificate.
Statements mainly include: balance sheet, income statement, cash flow statement, etc. 10. List of major inventories, long-term investments, fixed assets and bank loans, aging analysis of accounts receivable and list of contingent liabilities 1 1. Other relevant materials (3) Materials to be provided for mortgage or pledge by counter-guarantee: 1. List of collateral and pledge 2. Certificate of rights of collateral and pledge. Collateral evaluation materials. Insurance policy 5. Resolution of the board of directors agreeing to mortgage and pledge. Mortgage and pledge. Provide a statement that all * * * people agree to mortgage (pledge). 7. If the collateral is under the supervision of the customs, provide the proof that the customs agrees to the collateral. 8. If the collateral is a state-owned enterprise, provide proof that the competent department and the state-owned assets management department agree to mortgage or pledge. 9. Other related materials (4) Note: 1. Except for photocopies, the original should be provided for inspection. 2. A copy of the materials provided shall be stamped with the official seal. 3. The power of attorney of the legal representative shall be signed by the legal representative. 4. The company receiver can add or delete according to the actual situation of the borrower and the project. Article 5 The customer on duty in the guarantee department of the company is responsible for the project acceptance. Generally speaking, the project inspector is the person in charge of the project (hereinafter referred to as the person in charge), who is responsible for verifying the integrity and authenticity of the materials submitted by customers, listening to the acceptance conditions and putting forward acceptance opinions. Formal acceptance of projects that meet the guarantee conditions, establishment of customer files and file numbers, and registration of the Registration Form for Acceptance of Guaranteed Projects.
After the person in charge signs the acceptance opinion on the guarantee application, it shall be filed together with the list of guarantee application materials and the materials provided according to the list of materials. Article 6 Acceptance conditions of guarantee: (1) Having the qualification of an enterprise legal person and passing the annual inspection; (2) Operating legally, honoring contracts and keeping promises, and having a good credit rating; (3) The ratio of assets to liabilities is reasonable. Enterprises with sustainable profitability and solvency (4) enterprises that can provide counter-guarantee meet one of the following conditions are given priority support: (1) high-tech enterprises or enterprises undertaking high-tech achievements transformation projects (2) high value-added products or energy-saving and consumption-reducing products, enterprises that increase taxes (3) enterprises that expand exports or replace imported products (4) enterprises with products matching large enterprise groups Chapter IV Preliminary review and on-the-spot investigation of guarantee projects Article 7 The company implements double-guarantee.
The person in charge has done the same project for 3 times (or 3 years), and the person in charge will be replaced after the project is over. Article 8 The preliminary examination of a project is mainly to obtain the real situation of the guaranteed project, the borrower and the counter-guarantor through data review and field investigation.
2. Professional knowledge of guarantee industry
Operating Rules for Guarantee Business Chapter I General Provisions Article 1 In order to ensure the standardization, institutionalization and proceduralization of guarantee business, and to prevent and control guarantee risks, these Rules are formulated in accordance with the relevant provisions of the Measures for the Administration of Guarantee in People's Republic of China (PRC).
Article 2 The guarantee business shall abide by national laws and regulations and follow the principles of voluntariness, fairness, honesty and credit and reasonable risk sharing. Chapter II Business Process of Guarantee Article 3 The business process of guarantee is as follows: (1) application, (2) acceptance, (3) preliminary examination, (4) appraisal, (5) examination and approval, (6) signing contract, (7) mortgage registration, (8) collection of guarantee fee, (9) lending, (/kloc) Book "-Providing Guarantee Application Materials" List of Application Materials for Guarantee "Guarantee Acceptance-"Registration Form for Guarantee Project Acceptance "Project Preliminary Examination-Determining Project Owner, Co-organizer-Basic Contents of Project Preliminary Examination-Field Investigation-Guarantee Investigation Report-Suspending Guarantee Project Processing Sheet, Quitting Guarantee Process Enterprise Project Review-Departmental Review and Meeting Review-Reviewing Project Review, Signing Contract-Notifying the enterprise that passed the meeting review-Preparing blank contract text (loan contract, guarantee contract, Counter-guarantee contract and entrusted guarantee contract)-Review blank contract text (guarantee department and general manager)-Sign contract text-Review completed contract text (guarantee department and general manager)-Sign mortgage registration by legal representative and company-Prepare mortgage registration materials (main contract, guarantee contract, counter-guarantee contract and other materials)-Certificate of other rights or mortgage registration form (signed by registration authority). Lending-"Lending Notice"-Copy of Loan Receipt Guarantee Charge Management-Daily Inspection, Key Inspection-Checklist of Guarantee Items-Post-guarantee Inspection Report-Notice of Maturity of Guarantee Items-Compensation and Recovery Scheme for Business Archives Management-Termination of Guarantee in Legal Proceedings-Copy of Loan Repayment Receipt-Cancellation of Pledge Registration-Return of Collateral, Deposit of Original-Confirmation of Exemption from Guarantee Responsibility Chapter III Guarantee Application and Acceptance Article 4 The Borrower shall fill in the guarantee application.
(1) Information that the borrower should provide: 1. Legal person business license (annual inspection) and legal person code certificate 2 copies. Certificate of legal representative. Power of attorney of the legal representative. Identity cards of the legal representative and the entrusted agent. Capital verification report of registered capital. Credit card and credit card receipt. Credit certificate. Articles of association and contract. Loan application 10. Apply for loans and loans. The resolution of the board of directors of the guarantee is 1 1. Financial statements for the current period and the last three years and audit reports issued by intermediary agencies. Statements mainly include: balance sheet, income statement, cash flow statement, etc. 12. Information related to the purpose of the loan: purchase and sale agreement, cooperation agreement, etc. 13. Project feasibility report and approval from competent authorities 14. Production and operation 15. List of major inventories, long-term investments, fixed assets and bank loans, aging analysis of accounts receivable and list of contingent liabilities 16. Other relevant materials (II) Materials to be provided by a third party for counter guarantee: 1. Legal person business license (annual inspection) and legal person code certificate 2 copies. Certificate of legal representative. Power of attorney of the legal representative. Identity cards of legal representative and entrusted agent. Capital verification report of registered capital. Credit card and credit card receipt. Credit certificate.
Statements mainly include: balance sheet, income statement, cash flow statement, etc. 10. List of major inventories, long-term investments, fixed assets and bank loans, aging analysis of accounts receivable and list of contingent liabilities 1 1. Other relevant materials (3) Materials to be provided for mortgage or pledge by counter-guarantee: 1. List of collateral and pledge 2. Certificate of rights of collateral and pledge. Collateral evaluation materials. Insurance policy 5. Resolution of the board of directors agreeing to mortgage and pledge. Mortgage and pledge. Provide a statement that all * * * people agree to mortgage (pledge). 7. If the collateral is under the supervision of the customs, provide the proof that the customs agrees to the collateral. 8. If the collateral is a state-owned enterprise, provide proof that the competent department and the state-owned assets management department agree to mortgage or pledge. 9. Other related materials (4) Note: 1. Except for photocopies, the original should be provided for inspection. 2. A copy of the materials provided shall be stamped with the official seal. 3. The power of attorney of the legal representative shall be signed by the legal representative. 4. The company receiver can add or delete according to the actual situation of the borrower and the project. Article 5 The customer on duty in the guarantee department of the company is responsible for the project acceptance. Generally speaking, the project inspector is the person in charge of the project (hereinafter referred to as the person in charge), who is responsible for verifying the integrity and authenticity of the materials submitted by customers, listening to the acceptance conditions and putting forward acceptance opinions. Formal acceptance of projects that meet the guarantee conditions, establishment of customer files and file numbers, and registration of the Registration Form for Acceptance of Guaranteed Projects.
After the person in charge signs the acceptance opinion on the guarantee application, it shall be filed together with the list of guarantee application materials and the materials provided according to the list of materials. Article 6 Acceptance conditions of guarantee: (1) Having the qualification of an enterprise legal person and passing the annual inspection; (2) Operating legally, honoring contracts and keeping promises, and having a good credit rating; (3) The ratio of assets to liabilities is reasonable. Enterprises with sustainable profitability and solvency (4) enterprises that can provide counter-guarantee meet one of the following conditions are given priority support: (1) high-tech enterprises or enterprises undertaking high-tech achievements transformation projects (2) high value-added products or energy-saving and consumption-reducing products, enterprises that increase taxes (3) enterprises that expand exports or replace imported products (4) enterprises with products matching large enterprise groups Chapter IV Preliminary review and on-the-spot investigation of guarantee projects Article 7 The company implements double-guarantee.
The person in charge has done the same project for 3 times (or 3 years), and the person in charge will be replaced after the project is over. Article 8 The preliminary examination of a project is mainly to obtain the true and comprehensive information of the guaranteed project, the borrower and the counter-guarantor through data review and on-the-spot investigation.
3. A complete set of procedures of the guarantee business ~ ~ ~ Especially before each work, explain what the subject is doing.
Guarantee business process: application acceptance → project investigation → project review → contract signing → post-guarantee inspection → project responsibility release.
Our company is mainly divided into: credit evaluation department, guarantee business department, risk management department and finance department.
The credit evaluation department is responsible for: business development and marketing, and accepting business consultation from customers/banks; Accepting enterprise guarantee applications, conducting preliminary examination and management of application materials, and being responsible for convening members of the guarantee review committee; Be responsible for information communication among banks, companies and corporate customers, and keep abreast of bank credit policies.
The guarantee business department is responsible for reviewing the materials accepted and submitted by the credit evaluation department and submitting them to the company's guarantee evaluation committee for review; Responsible for handling the guarantee and counter-guarantee procedures after passing the examination, and ensuring that the insured and counter-guarantee materials are true, complete and effective; Review the enterprise joint guarantee team and related matters; Responsible for the calculation and collection of guarantee fees; Assist relevant departments to implement asset preservation measures, do a good job of recovery, and assist risk management department to do a good job of royalist inspection and data collection of insured enterprises.
The Risk Management Department is responsible for: establishing and improving the risk management organization according to the requirements of the risk management control system; Review the loan information of guarantee enterprises, analyze and evaluate the comprehensive strength of enterprises such as loan amount, financial status and repayment ability, and put forward risk prevention suggestions according to the project situation. Responsible for the recovery of compensation funds, the realization of all kinds of pledged and mortgaged goods, and minimize losses.
The finance department is responsible for: drafting the company's financial plan, organizing accounting and strengthening analysis and assessment; Improve the company's financial system; Responsible for the audit and collection of guarantee fees; Responsible for managing the company's guarantee funds, member funds and drawing various risk reserves; Responsible for the daily financial work assigned by the company and leaders.
4. What are the descriptions of the installment guarantee business of housing provident fund loans?
Explanation 1. Starting from 20 10, 12 and 13, the phased guarantee business of housing provident fund loans was tried out in Guancheng, Dongcheng, Cheng Nan and John Wan, and then gradually promoted.
2. During the trial period, the Municipal Housing Provident Fund Management Center (hereinafter referred to as the "Provident Fund Center") entrusted China Construction Bank Dongguan Branch Dongcheng Sub-branch, Urban Sub-branch and China Industrial and Commercial Bank Dongguan Dongcheng Sub-branch to handle this business. At present, the guarantee company undertaking this business is Dongguan Longsheng Credit Guarantee Co., Ltd. ..
4 provident fund centers and guarantee companies independently examine and approve borrowers. 5. Loan Management Section of Dongguan Housing Provident Fund Management Center Tel: 0769-22337076, Address: 6th Floor, Yin Ying Building, Luosha Road, Dongcheng District, Dongguan. Dongguan Branch of China Construction Bank Corporation: 0769-22424735; China Industrial and Commercial Bank Dongguan Dongcheng Sub-branch: 0769-223 1095 1, 0769-22492375; 7. Dongguan Longsheng Credit Guarantee Co., Ltd. (Tel: 0769-23037888, Address: East Zone of Yingfeng Center, Tiyu Road, Chengnan District, Dongguan City/0/2 Floor). 8. Relevant practices shall be subject to relevant regulations of Dongguan Housing Provident Fund Management Center.
9. As this business is in the trial stage, the required information may be adjusted according to the actual situation and will be notified separately.