My friend wants me to help him with a loan in my name. How can I avoid risks and borrow money in my name? This loan is my loan, which has nothing to do with my friend legally, and I will bear all the responsibilities. First, ways to avoid risks, such as friends providing real estate mortgage or chattel pledge. , and both parties must go through formal mortgage procedures at legal institutions. For example, real estate mortgage, if only the real estate license is given to you, is meaningless in law. You must go through formal mortgage procedures, otherwise your rights will not be guaranteed. Second, if a friend doesn't want to go through the mortgage formalities, then why should you take risks for him? What exactly is his loan for? Can you dynamically monitor the whole process? If you can't do this, what reason do you have to be pushed around by your friends? Can such friends be called friends? A friend who specializes in cheating others doesn't treat him as a friend.
Third, if the two sides are really close friends, and you know him well, and you can bear the loss of this loan, then what is there to avoid if you don't avoid risks? If you have difficulties, carry them together. I believe my brother will support him! If you ask yourself that you can't do it, or the relationship is not at this level, then don't be a "man", and you will regret it later.
My friend wants to mortgage his house loan in my name (with my provident fund account and name). How can I avoid risks? You can sign an agreement with him. If the loan is not paid, the proceeds from the disposal of the house will be repaid first.
Please consult a law firm for details.
How to avoid risks when my friends send me stocks? First of all, you have to determine whether you really contribute. In fact, you can stipulate some rights in the articles of association to avoid certain risks. Finally, if it goes bankrupt, it will bear the responsibility with the share of capital contribution.
A friend wants to set up a branch in the name of our company. How does he avoid risks without hurting his face? He said that he would take 70% of the shares of the branch company and send technical consultants to guide (supervise) regularly.
The company provides a guarantee to another company. How to avoid risks? As long as the guarantee is made, the risk cannot be avoided. However, it is suggested to make a general guarantee, not a joint and several liability guarantee, so that the liability will be much lighter. Be careful when you promise. I hope it helps you.
How do guarantee companies avoid risks? Mortgage loans will only be for the purchase of new houses, office buildings, villas and shops. Or two houses, offices, villas and shops. The mortgage of new buildings is generally borne by developers, and a few guarantee companies will appear. Moreover, during this period, the developer only fulfilled a phased guarantee responsibility. General guarantee companies participate in the guarantee responsibility of second-hand houses, and their guarantee responsibility is from loan issuance to transaction transfer, and the mortgage is completed after the issuance of real estate and land certificates. It is also a phased guarantee. Mortgage loans are all secured by the purchased property, and the applicant does not need to provide additional collateral. The risk of second-hand mortgage generally occurs when the purchased house cannot successfully handle the real estate license and land certificate and handle the normal mortgage. The customer does not cooperate with the relevant procedures.
Without collateral, relying on credit is a relatively large project. First of all, it is necessary for your guarantee company to have supporting departments for all relevant links of credit loans. Then, according to a series of experiences, combined with the actual situation, the various data provided by customers are analyzed. The marketing department-collects the relevant information of order confirmation, the investigation and audit department-investigates and verifies the information and situation of customers, the risk control department-analyzes the risk points, the possibility of prevention and the individual anti-risk ability of enterprises from a professional perspective, the post-loan management department-is responsible for the post-loan customer management and the follow-up of the post-loan customer situation, and the archives department-sorts out a set of perfect customers. Collection department-responsible for the collection task after the occurrence of problem loans, finding hidden problem customers and transferring assets. Legal Department-Formulating various agreements and contracts that conform to legal procedures and legal provisions. Determine the legal effect of relevant information provided by customers and so on. Finance Department-Withdraw bad debt reserve from secured loan income. After all, even experienced auditors may encounter risks when they meet even the best customers. The customer's file information and credit rating are a very important means, which can provide a more objective and direct judgment for customers who need to apply for loans again after normal repayment. Of course, other links are also indispensable. A big project can not be completed in a few words, but more is the accumulation of some experience. I hope it helps you.
How can stocks effectively avoid risks? There are risks in the stock market, so there are several ways to prevent risks:
1. Decentralize system risk
There is a proverb in stock market operation: "Don't put all your eggs in one basket", which expresses the philosophy of risk diversification. One way is to "diversify investment funds". At the end of 1960s, it was found that the total investment risk would be greatly reduced if the funds were evenly dispersed in several or even more randomly selected company stocks. They found that the risk of investing in a "portfolio group" of 60 randomly selected stocks will be about 1 1.9%, that is, if the funds are evenly dispersed in the stocks of several companies, the total return on investment will change by 20.5% within 6 months. If you have a temporarily unused cash, and the amount is not too large, and you can bear the possible losses caused by its investment, then you can choose those stocks that will have high returns to invest; If you have a lot of cash that you can't lose, you'd better diversify your investment to reduce your risk. Even if there is an accident, it will be "the east is not bright and the west is bright" and will not be "completely annihilated". The second method is "decentralized industry selection". Securities investment, especially stock investment, should not only be invested in different companies, but also these different companies should not all be in the same industry or adjacent industries. It is best to be in different industries in part or in whole, because the same economic environment has the same influence on enterprises in the same industry and enterprises in adjacent industries. If you invest in different enterprises in the same industry or adjacent industries, you will not achieve the purpose of diversifying risks. Only enterprises in different industries and unrelated industries can harm each other's interests, thus effectively dispersing risks. The third method is "time dispersion". As far as stocks are concerned, as long as the joint-stock company is profitable, shareholders will receive dividends and bonuses from the company regularly. For example, companies in Hongkong and Taiwan Province usually hold a general meeting of shareholders in March every year to decide the dividend amount per share and the development policies and plans of some companies, and pay dividends in April. American companies pay dividends every six months. Generally, on the eve of dividends, after the stock market knows the dividend amount of the company, the corresponding stock price will change obviously. Short-term investments should buy a large number of shares before the dividend date, and then change hands after receiving dividends and other income; Long-term investors should not buy the stock during this period. Therefore, securities investors should diversify their investment time according to different investment purposes, so as to spread the risks at different stages. The fourth method is "seasonal dispersion". In the off-season of the stock market, the stock price will be very different. Because the stock price will fall in the off-season, it will cause additional losses to stock sellers; Similarly, if you buy a stock at one time during the alternating period of peak season and off-season, because the stock price will turn from high to low, it will also cause the buyer's cost loss. Therefore, in the case of unpredictable stock plunge, we should lengthen the time for investing or recovering the investment, do not rush to inject capital into the stock market or withdraw funds, and it will take several months or more to complete the buying or selling plan to reduce the risk.
2. Avoid market risks
Market risk comes from many factors, and it needs to be avoided comprehensively. The first is to grasp the trend. The historical data of each stock price change is analyzed in detail, so as to understand the law of its periodic change and the ability of sustained income growth. For example, in the automobile manufacturing industry, when the social economy is relatively prosperous, the company's profits are guaranteed, and the number of automobile consumers will be greatly reduced. It is generally not easy to buy its shares during this period. The second is to match cyclical stocks. Some enterprises are limited by their own operations, so there is always a period of time in a year when they stop production, during which most of their share prices will fall. In order to avoid the losses caused by the stock price decline, they can strategically buy other stocks with opposite starting and stopping to make up for the losses caused by the possible stock price decline. The third is to choose the timing of buying and selling. Based on the historical data of stock price changes, the standard deviation is calculated as a general standard for choosing trading opportunities. When the stock price is below the lower standard deviation limit, you can buy stocks, and when the stock price is above the upper standard deviation limit, you'd better sell stocks. The fourth is to pay attention to the investment period. The operating conditions of enterprises are often cyclical. When the economy is booming, the stock market is active. When the economic environment is bad, stock market transactions will inevitably shrink. We should be careful not to regard the off-season of the stock market as a period of large-scale stock investment. In western countries, changes in the stock market are more sensitive to the economic climate. Often six months before the recession, stock prices have begun to fall. For example, in February of 199 1, six months before the American economy entered a new recession, the famous Dow Jones industrial average began to fall, and the stock price began to rebound in the first half of the economic recovery. According to the analysis of historical data, we can also know that most of its economic boom period lasted for 48 months. Therefore, we can correctly judge the position of the economic situation in the ups and downs cycle at that time and grasp the investment period.
3. Prevent operational risks
Before buying stocks, we should carefully analyze the financial report of an investment object, that is, an enterprise or company, and study its current operating situation, position in the competition and past profit trends. If we take the enterprises that can keep the income growing continuously and have feasible development plans as the stock investment objects, and keep a certain investment distance from those enterprises or companies with poor business conditions, we can better guard against business risks. If we can deeply analyze the operating data of related enterprises or companies, be unmoved by superficial phenomena, see their flaws and hidden dangers, and judge calmly, we can completely avoid operating risks.
4. Avoid purchasing power risks
In the period of inflation, we should pay attention to the goods with high price increase in the market and choose the enterprises with high profit level and ability from the enterprises that produce such goods. When the inflation rate is unusually high, preserving value should be the primary factor. If you can buy stocks of products with value preservation (such as gold mining companies, gold and silver manufacturing companies, etc.). ), you can avoid the purchasing power risk brought by inflation.
5. Avoid interest rate risk
Try to understand the proportion of self-owned components in the working capital of enterprises. When the interest rate rises, it will cause more difficulties for enterprises or companies that borrow more, thus hurting the stock price. For those enterprises with less loans and more self-owned funds, the rise and fall of interest rates have little effect on the company's chances of winning. Therefore, when the interest rate is high, it is generally necessary to buy less or not to buy stocks of enterprises that borrow more. When interest rate fluctuations are unpredictable, priority should be given to buying stocks of enterprises with more self-owned funds, so as to basically avoid interest rate risks.
Can you be a stock in the rising channel and a short in the falling channel? The reason is that simple. Basically, people can't do it. I hope you can.
How can online loans be invested to avoid risks? In order to effectively avoid the above risks, it is recommended to analyze the P2P platform as follows before investing:
1, the first step is to examine the enterprise qualification and team strength.
Before investing, investors should carefully examine some qualifications of the platform, such as whether there is a complete and compliant business photo, whether the website has ICP filing, registered capital and paid-in capital. Check the office address on the website. If you can make a field trip in the local area, you can basically determine the authenticity and approximate scale of the company.
In addition, the team strength of the platform is as important as the enterprise qualification, such as whether there are members with financial background in the team, whether they have risk awareness and strong risk control ability. Also check the technical strength of the team to ensure the data security of the platform.
2. Judge whether the capital preservation and interest protection promoted by the platform are tricky.
Many platform guarantees have quota restrictions. Don't blindly believe the 100% guarantee of principal and interest in the advertisement, but carefully look at whether there is a quota limit in the rules.
3. Choose a platform whose interests are within the normal range.
After deducting the normal operation and profit of the platform, under normal circumstances, the reasonable interest rate obtained by investors through bidding is about 10%. Therefore, it can be seen that after a round of high-interest promotion, the compliant platform will reduce interest.
4. Diversified investment can effectively diversify risks.
Investors are advised to spread their funds to different P2P platforms, which can effectively reduce investment risks. Investors should have a reasonable allocation when choosing a platform. They can choose multiple P2P platforms to invest through field visits, and feel the differences of different platforms more intuitively in actual operation, which is convenient for re-screening after comparison and can also help investors get better returns.
5. Select the "small" loan object.
Generally, the amount of short-term working capital loans is relatively low, and the natural risk is also low, but there are also large-scale project investments, and the risk is generally higher than that of small loans.