State-owned assets guarantee refers to the financing that professional financing guarantee companies, small loan companies, financial leasing companies, factoring companies, pawn companies, asset management companies and other cooperative institutions participate in. , wholly or absolutely controlled by government finance or state-owned assets, providing joint liability guarantee or commitment to repurchase creditor's rights for borrowers. The platform implements strict access and quota management for guarantee institutions, and the platform and guarantee institutions conduct double investigation and transparent disclosure of financing projects, and strengthen post-loan monitoring and collection management.
Product characteristics
1. Guarantee compensation: State-owned guarantee institutions cooperating with the platform provide joint and several liability guarantee for financing. If the borrower fails to repay the principal and interest at maturity, the guarantee institution will make full compensation; 2. Counter-guarantee recovery: the guarantee institution has strict requirements on the borrower's counter-guarantee measures and will recover from the borrower after compensation; 3. Acquisition of non-performing assets: If the borrower fails to repay the principal and interest in time as agreed in the contract, and the guarantee institution fails to make compensation, within a certain period of time, with the authorization of investors, Dezhong Finance may seek purchasers including but not limited to financial institutions, asset management companies, investment companies, etc. Acquisition of creditor's rights, at the same time, the acquirer will collect creditor's rights from borrowers and guarantee institutions. Product introduction
Mortgage loan refers to the financing products that borrowers use their own or third-party real estate (vehicles) as collateral to meet personal consumption or business needs. The product amount is small, which spreads risks. In principle, the maximum amount of a single transaction does not exceed 6,543,800 yuan. Collateral is easy to realize; Full amount of mortgage and principal and interest guarantee.
Product characteristics
1. Disposal of collateral: the collateral is disposed and realized through legal procedures such as litigation and auction, and the proceeds from the disposal of collateral can cover the principal and interest of the project; 2. Acquisition of non-performing assets: If the borrower fails to repay the principal and interest in time as agreed in the contract, and the guarantor fails to make compensation, within a certain period of time, with the authorization of investors, Dezhong Finance may seek purchasers including but not limited to financial institutions, asset management companies and investment companies. Acquisition of creditor's rights, at the same time, the purchaser will collect and dispose of collateral from the borrower and guarantor. Product introduction
Working capital refers to the temporary working capital that the borrower applies for a car (or real estate mortgage) loan from the bank. Because it takes a long time for banks to approve loans, cooperative institutions provide joint and several liability guarantees and apply within the bank loan limit for payment before bank loans are issued. After the bank loan is issued, the borrower repays the investor. This product has a small quota and scattered risks; The purpose is clear, the platform, car dealers and financiers follow up the progress of bank loans in real time and dynamically monitor the projects; The product cycle is extremely short, and the loan period is controlled within one month in principle, and the longest is not more than three months. Because the lending time of the bank loan is not completely determined, it may be repaid in advance.
Product characteristics
1. Bank loan guarantee: the project has passed the approval of bank credit in principle, and the repayment source is reliable; 2. Guarantee compensation: the platform cooperation institution provides the borrower with joint liability guarantee, and if the creditor's rights cannot be paid off at maturity, the guarantor will make compensation; 3. Acquisition of non-performing assets: If the borrower fails to repay the principal and interest in time as agreed in the contract, and the guarantor fails to make compensation, within a certain period of time, with the authorization of investors, Dezhong Finance may seek purchasers including but not limited to financial institutions, asset management companies and investment companies. Acquisition of creditor's rights, at the same time, the purchaser will collect creditor's rights from the borrower and guarantor. Product introduction
Gold chain refers to the supply chain financing products designed by the platform around the financing needs of upstream and downstream small and medium-sized enterprises in the supply chain core enterprises. By controlling the capital flow and logistics of upstream and downstream enterprises by core enterprises, the uncontrollable risk of a single borrower is transformed into the controllable risk of the whole supply chain enterprise. The purpose of the product is clear and the transaction is true.
Product characteristics
1. guarantee compensation: the core enterprises in the supply chain provide joint and several liability guarantees for borrowers, mostly large enterprises with strong strength. If the due creditor's rights are not paid off, compensation shall be made; 2. Guarantor's recovery: because the guarantor controls the borrower's logistics and cash flow, it guarantees recovery; 3. Acquisition of non-performing assets: If the borrower fails to repay the principal and interest in time as agreed in the contract, and the guarantor fails to make compensation, within a certain period of time, with the authorization of investors, Dezhong Finance may seek purchasers including but not limited to financial institutions, asset management companies and investment companies. Acquisition of creditor's rights, at the same time, the purchaser will collect creditor's rights from the borrower and guarantor. Product introduction
"Debt-to-equity swap" refers to financial institutions (hereinafter referred to as "transfer institutions") such as microfinance companies, financial leasing companies, pawn companies, factoring companies, asset management companies and joint-stock commercial banks established with the approval of the competent government departments, which transfer their existing credit assets to domestic natural persons (or other qualified investors) to obtain corresponding consideration, but the creditor's rights have not been transferred, and the original debtor still pays off the debts to the transfer institution, and the transfer institution promises to expire.
Product characteristics
1. The original debtor pays the principal and interest: the credit assets that transfer the income right are formed by the loans issued by the transfer institution, which have real transaction background and creditor-debtor relationship, and the assets are true and legal. The original debtor shall pay the principal and interest according to the original creditor's rights and debts contract; 2. Repurchase by the transferring institution: the transferring institution promises to unconditionally repurchase the income right of the credit assets transferred through the financial platform of Dezhong; 3. Guarantee recovery: The transfer institution has strict requirements on the guarantee measures of the original debtor, and will recover the original debtor after the repurchase. Product introduction
The project is endorsed by local government credit, and the repayment sources include financial funds, local land transfer income, and the borrower's production and operation income.
Product characteristics
The project is undertaken by the institutions that undertake government functions, institutions that undertake public utilities construction management functions or state-owned enterprises supported by local governments as borrowers or provide joint and several liability guarantees, or repayment funds are included in the government budget plan. Product introduction
Xinyirong refers to the credit or quasi-credit financing products designed by the platform to meet the financing needs of high-quality enterprises and individuals. It mainly provides working capital credit for individuals with good credit status and strong family economic strength, or enterprises with good credit status and good production and operation conditions. The borrower of this product has high credit, reliable first repayment source and controllable risk. The guarantee method can be credit, guarantee, mortgage, pledge or a flexible combination of several ways.
Product characteristics
1. Guarantee compensation: third-party high-quality enterprises or individuals provide joint and several liability guarantees for borrowers, and most of the enterprises or individuals as guarantors have good credit and strong strength; The collateral is relatively sufficient and has strong liquidity. If the due creditor's rights are not paid off, compensation shall be made; 2. Acquisition of non-performing assets: If the borrower fails to repay the principal and interest in time as agreed in the contract, and the guarantor fails to make compensation, within a certain period of time, with the authorization of investors, Dezhong Finance may seek purchasers including but not limited to financial institutions, asset management companies and investment companies. Acquisition of creditor's rights, at the same time, the purchaser will collect creditor's rights from the borrower and guarantor.