Shanghai Cai Zhong Guarantee Company Profile Company Background: Shanghai Cai Zhong Guarantee Co., Ltd. is a private guarantee company approved and registered by Shanghai Administration for Industry and Commerce and established in June, 200 1+0 1. It is composed of Zhejiang Cai Zhong Investment Group Co., Ltd., Shanghai Cai Zhong Industrial Development Co., Ltd. and Zhejiang Cai Zhong Guarantee Co., Ltd. * *. The company has a complete organizational structure, with a general manager's office, a business department, an evaluation department and a guarantee department. Established a complete business rules and regulations management system, internal risk control system and guarantee business operation process. The employees in the company's business department have long-term financial background and rich credit experience. Business scope: Providing guarantee services, technical consulting services, economic information consulting services and asset management for enterprises and individuals (except for special approval projects). Type of guarantee: bank loan guarantee: working capital loan guarantee, bill discount guarantee, trade loan guarantee and letter of credit opening guarantee; Personal consumption loan guarantee, study abroad loan guarantee, house decoration loan guarantee, second-hand house auction guarantee, CDMA mobile phone consumption loan guarantee, etc. ; Contract guarantee: project bidding guarantee, performance guarantee, advance payment guarantee, lease guarantee, settlement guarantee, etc. Commercial guarantee: litigation preservation guarantee. Clients: small and medium-sized enterprises and individual industrial and commercial households with various ownership in Shanghai, companies in Shanghai and Zhejiang, especially small and medium-sized enterprises with high-tech innovation and professional support, certain growth period and great development potential; A natural person with certain assets or a stable source of income. Guarantee conditions: guarantee conditions for individual customers: (1) specify personal identity and legal residence and business premises; 2. Personal credit is good and there is no record of bad behavior; (3) The purpose of the loan meets the requirements of bank credit investment; (4) Having a stable and legal source of higher annual income; 5] Self-employed, with more than 3 years of business experience and outstanding business performance; [6] The counter-guarantee method must be the mortgage of real estate or ownership, with clear, clean and complete property rights. Guarantee conditions for enterprise customers: (1) The company is privately owned, joint venture or joint stock system; (two) registered in accordance with the law and passed the annual inspection of the industrial and commercial departments; (3) special industries must obtain business licenses; (4) The legal representative, the general manager and the person in charge of the financial department have good personal credit records; 5] The company's bank credit record is good, and there is no bank non-performing loan default; (6) It has a certain operating period and good operating performance: a production company, about 5 years; Commercial company, about 3 years; High-tech company or project, more than 2 years; (seven) the credit rating of the enterprise is BB or above, and it has strong short-term solvency; (8) The purpose of the loan meets the requirements of national policies and bank credit investment; (nine) the company's financial management standards, financial records are true; ⑽ Borrowing in the name of an individual for the company's business turnover should be mastered by the company's customers. Guarantee procedure: application for registration-investigation-comprehensive review-meeting review-contract signing-mortgage registration-loan issuance Business purpose: Adhering to the service concept of "honesty, seriousness and humility", under the premise of effectively controlling risks, relying on Cai Zhong Group's industrial, futures economy, import and export trade and sales network resources all over the country, to provide customers with unique guarantee services and solve customer financing.