What are the classifications and precautions of financing secured loans in Chongqing?

financing guarantee: refers to the principal and interest repayment guarantee provided by the guarantor for the insured to finance the beneficiary. Financing methods include borrowing, issuing securities (excluding stocks), overdraft, deferred payment and credit line granted by banks. Borrowing money (financing) from banks generally requires guarantees: government-guaranteed loans, corporate credit-guaranteed loans, and natural person-guaranteed loans. Then, what are the classifications and precautions of financing guarantee loan in Chongqing? The classifications are as follows: 1. The guarantee of things mainly shows the mortgage and control of project assets, including the mortgage of real estate (such as land and buildings) and tangible movable property (such as machinery and equipment, finished products, semi-finished products, raw materials, etc.) of the project, and the establishment of security interests for intangible movable property (such as contractual rights, company bank accounts, patent rights, etc.). There are two forms of property security: mortgage transfers the ownership of the asset to the creditor (mortgagee) for the purpose of providing security, but with an express or implied condition that the ownership of the asset should be transferred to the debtor again after the debtor performs its obligations. Guarantee. This form does not require the transfer of possession or ownership of assets and rights, but an agreement between creditors or debtors. 2. A person's guarantee is a promise made in the form of a legal agreement, and the guarantor assumes certain obligations to the creditor. Obligation can be a secondary legal commitment, that is, if the guarantor (the principal debtor) fails to perform his obligations to the creditor (the beneficiary of the guarantee) (in case of default), he must assume the contractual obligations of the guarantor. Project investors act as guarantors. Project investors operate the project and arrange financing by establishing a special project company. 3. The third-party guarantor uses a third party who has an interest relationship with the project as the guarantor. Commercial guarantor To provide guarantee as a means of profit, bear the risk of the project and charge the guarantee service fee. Commercial guarantors reduce their own risks through decentralized operation. The guarantee service provided by the commercial guarantor is the obligation that the investor of the guarantee project must undertake in the project or project financing. Such guarantors are generally commercial banks, investment companies and some specialized financial institutions, and the guarantees provided are generally bank letters of credit or bank guarantees.