The so-called guarantee fee is beheading interest. In the case of clear regulations of the China Banking Regulatory Commission, Doudou Money continues to use these fees to lend usury in disguise. Some netizens have paid off the loan and asked Doudou to pay back the money. Xi Hong Fei Financing Guarantee Co., Ltd. refunded the guarantee fee, but it was perfunctory. Please use the complained platform with caution.
1, the emergence of loan risks often begins at the stage of loan review. Based on the comprehensive judicial practice disputes, we can see that the risks in the stage of loan review mainly appear in the following links. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk. Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
2. The legal content of the pre-loan investigation, regarding the legal establishment and continuous and effective existence of the borrower, examines the legal status of the borrower. If it is an enterprise, it shall examine whether the borrower is established according to law, whether it has the qualification and qualification to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification. Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Review whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. Regarding the borrower's loan conditions, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; With regard to the guarantee, for the guarantor, the qualification, reputation and performance ability of the guarantor should be investigated.