How to get back the investment guarantee money?

What are the guarantee methods for personal planting and livestock breeding business loans of Bank of China Yinongdai?

Bank of China’s Yinongdai personal planting and animal husbandry business loans can adopt mortgage (pledge) guarantee, guarantee guarantee, etc. approved by the Bank of China, and at least one of the following guarantee methods shall be used:

1. Mortgage (pledge) guarantee: Implemented in accordance with Bank of China’s current regulations on personal investment and business loans.

2. Guarantee from a professional guarantee company: The professional guarantee company admitted by Bank of China provides an irrevocable joint and several liability guarantee.

3. Joint guarantee: Members of the industry with strong economic strength and good personal reputation form a "joint guarantee group", sign a joint guarantee agreement, and assume joint and several liability to guarantee the guarantee. Among them, each joint guarantee member can serve as both a borrower and a guarantor, and meet the following conditions:

(1) The joint guarantee agreement should specify the loan method, the responsibilities of the borrower and the guarantor responsibility.

(2) Joint guarantee must be carried out on a "household" basis, with no less than 3 joint guarantee members. "Household" is generally a family unit, and if multiple families are jointly contracted for operation, the joint guarantee shall be If the project you operate is a unit and involves using family property as guaranteed property, you must also obtain the consent of your spouse.

(3) The residences or main business locations of joint guarantee members should be relatively concentrated.

The above content is for your reference, please refer to actual business regulations.

Bank loan guarantee company

Development history

The term "company" is limited to the territory of our country, and is different from domestic commercial banks, finance companies, automobile finance companies, Financial institutions such as trust companies that can handle loan business have different definitions and business scopes. On August 11, 2009, the China Banking Regulatory Commission issued the "Loan Company Management Regulations" notice to standardize the behavior of my country's loan guarantee companies. Formal loan companies are limited liability companies fully funded by domestic commercial banks or rural cooperative banks.

The company can engage in the following businesses: handling various loans; handling bill discounts; handling asset transfers; handling settlement under loans; and other asset businesses approved by the China Banking Regulatory Commission. When conducting business, loan guarantee companies must adhere to the business purpose of serving farmers, agriculture and rural economic development. Loan investment is mainly used to support farmers, agriculture and rural economic development. Formal loan companies are not allowed to accept deposits from the public, have higher credit lines and flexible loan methods.

According to experience, there are very few formal loan companies now. If you want a loan, it is recommended to go to a formal bank so that the funds are guaranteed. A netizen from Chengdu said that there are no so-called formal small-amount companies in Chengdu or even in the country, and they either cheat on the upfront fees, or they are just that. In Chengdu, you can consider Standard Chartered Bank's cash loan, which is an unsecured and unsecured loan based on the income certificate, asset certificate and your credit record provided by you. As long as you can prove that you have a stable income and a good credit history, your application will have a good chance of being approved.

In short, we need to be on the safe side when it comes to our loans. After all, there are very few formal loan companies now. People’s money is hard-earned and they cannot be cheated in a blink of an eye. Therefore, before we take out a loan, we must confirm the loan. The formality of the guarantee company.

Seven standards for qualified guarantee companies

Standard 1: pursue higher quality of personnel

Due to the particularity of the business operations of investment guarantee companies, the success or failure of the financing guarantee business The decisive factor is the project operation ability and professional ethics of business operators, which are the comprehensive quality factors of personnel. Among them, if the business operation personnel have high project operation capabilities, they will have a strong overall control over the financing guarantee project. On the contrary, if there is any loss of control during the operation of the project, it will cause the investor to lose funds. For guarantee companies, having business operators with qualified project operation capabilities is only a good insurance for the successful operation of financing guarantee projects. In order to fully ensure the success of project operations, we must focus on the professional ethics of business operators. After all, the moral hazard of insiders is the weakest link in the risk prevention and control system of investment guarantee companies, and it is also an important issue that guarantee companies must properly solve in the early stages of project operation.

Standard II reimbursement commitments must be fulfilled

Investment guarantee companies that are responsible for the safety of investors’ funds will often treat investors when introducing high-quality financing projects to investors. Provide full joint and several liability guarantee, and monitor the capital use and recovery throughout the entire process.

The joint liability guarantee provided by the guarantee company refers to

If the capital user fails to repay the loan in time or in full on the due date of the loan, the guarantee company will Unconditionally advance the investor's relevant funds on behalf of the investor within working days.

It is guaranteed that the investor’s funds will be fully recovered if they are overdue for at most three working days.

The joint liability guarantee commitment provided by the investment guarantee company, combined with the enforcement measures after judicial notarization of the loan contract, can maximize the protection of the legitimate rights and interests of investors.

Standard 3 business handling must be standardized

If having strong corporate strength is an innate advantage for a guarantee company to fight fierce market competition, then the operation and management system will be more advanced and the business handling process will be more advanced. Standards are the fundamental guarantee for guarantee companies to gain recognition from all parties and continue to grow and develop. How to effectively eliminate potential financial security risks from the source is not only a problem faced by investors, but also one of the priority issues that the guarantee company, as the third-party guarantor of the project, needs to solve. The formulation and implementation of rigorous and standardized business management procedures can filter out factors that are detrimental to the security of investors' funds from the source as soon as possible. This is the crux of the problem that those guarantee companies with irregular business processes can easily cause investors to lose funds in project operations.

Standard 4 risk prevention and control cannot be relaxed

According to a senior person in the industry, the core strength of a guarantee company is its ability to effectively prevent and control risks in the financing guarantee business. As long as any guarantee company conducts business, business risks cannot be completely avoided. The best situation is to control business risks to the lowest possible range and create corporate profits through risk prevention and control. To give a simple example, a guarantee company will charge a 3% project guarantee fee for general types of financing guarantee business. That is to say, when the guarantee company makes a profit of 3 yuan, it also needs to bear an operating risk of 100 yuan. It can be seen from this that the establishment and implementation of a business risk prevention and control system is of great significance to guarantee companies.

Standard 5: Enterprises should be strong but strong

The first Guke criterion for optimizing elective guarantee companies is to choose a guarantee company with stronger corporate strength. However, what kind of guarantee company is considered a strong enterprise? First of all, what we need to look at is the company’s registered capital. The second thing to look at is the size of the company's business operations. The scale of operation is directly restricted by the number of operating personnel, and the number of operating personnel is restricted by the size of the operating site. Companies with large operating scale often require larger operating sites for support. Of course, some guarantee companies that own their own business premises are better than companies that lease their business premises in terms of corporate strength. The last thing to pay attention to is whether the company has more high-quality financing projects for investors to compare and screen. Choosing high-quality financing projects can not only ensure that investors’ funds are safer, but also ensure that investors receive ideal expected annualized returns on investment.

Standard 6 compulsory notarization should be implemented

An important criterion for determining whether a guarantee company is reputable and has standardized business handling procedures is whether, when handling financing guarantee business, it In accordance with the Ministry of Justice's "Opinions on Notarization of Private Lending Contracts", the loan contract will be sent to the notary office for notarization. After the investor obtains the contract notarization guarantee from the notary office, the right that the investor can enjoy is that once the investor cannot repay the investor's loan, including the corresponding interest, the notary office can issue a compulsory enforcement document based on the investor's application. The investor shall apply for compulsory execution to the people with jurisdiction to ensure that the investor's borrowed funds are not lost.

Whether the qualifications of Standard 7 are complete?

Although the market entry threshold for guarantee companies is not high, and after the "blowout" rapid development in 2009, private companies registered in Henan Province The number of credit guarantee institutions has exceeded 700. However, there are only a handful of private guarantee companies that have obtained the "Credit Guarantee Institution Registration Certificate" from relevant government departments. The main business scope of the vast majority of private guarantee institutions, especially some smaller guarantee companies, is limited to private lending. There are only a few large-scale guarantee companies that are actually engaged in bank loan guarantee business for small and medium-sized enterprises, and these large-scale guarantee companies have submitted registrations to the credit guarantee industry authorities as soon as possible. Filing application. If the business license is regarded as the guarantee company's industry access qualification, then the credit registration certificate is the guarantee company's qualification level certificate. Those guarantee institutions that have not yet been formally registered with the government will face the dilemma of being eliminated in the new round of industry reshuffle.

The significant advantages of guarantee companies

Because banks’ marketing costs are high, it is difficult for small businesses to directly apply for loans from banks. This results in small businesses often turning to guarantee companies when they have financing needs. Institutions and other financing institutions seek help. The cost of selecting customers for guarantee institutions is relatively low. Selecting high-quality projects and introducing them to cooperative banks will increase the success rate of financing and reduce the bank's marketing costs.

In addition, in terms of loan risk control, banks are reluctant to invest in the Internet. An important reason is that the management costs of such loans are relatively high, and the expected annualized returns are not obvious. For this For small loans, guarantee institutions can optimize the loan management process to provide personalized services for post-loan management, share the bank's management costs, and relieve the bank from worries.

Secondly, risks are released after the fact, and the advantages of guarantee institutions are irreplaceable. Projects with direct bank loans have risks, and the disposal of collateral often takes a long time, litigation costs are high, and liquidity is poor. Cash compensation by guarantee institutions has greatly solved the problem of difficult disposal by banks. Some guarantee institutions can compensate for overdue loans within 1 month (investment guarantee or even 3 days). The bank's non-performing loans can be eliminated in time, and then the guarantee institutions can repay them. Risks are mitigated through its more flexible processing methods than banks.

On the other hand, guarantee companies are very timely. As a bank, its inherent loan model process causes a lot of time wastage for small and medium-sized enterprise owners. However, guarantee companies have shown flexibility in designing special financing plan models for different enterprises, which greatly saves business owners' time and energy and can cater to different needs. Business owners need urgent funds.

Furthermore, the credit limit granted by the guarantee company on the basis of mortgage greatly exceeds the value of the mortgaged assets. Provide more needed funds for small and medium-sized enterprises. For example, Beijing Wancai United Investment Management Co., Ltd. and Wuhan Chengcheng Investment Guarantee Company can provide enterprises with loan models with comprehensive credit extensions up to 240%.

Many investment guarantee companies have gained full trust from banks for their standardized and efficient operations in post-loan management and loan risk resolution. Some cooperative banks outsource post-loan collection and loan asset disposal to guarantee companies, and both parties Both have achieved relatively good results from cooperation.

Guarantee companies were previously classified as quasi-financial institutions, but now they are non-financial institutions, while banks belong to the purely financial industry. They are similar in form and can provide financing for enterprises in function, but they still have their essence. difference.

The guarantee company does not lend money with its own funds, but guarantees the credibility of the company and the bank lends money. That is to say, if an enterprise's bank credit does not meet the loan standards, it can find a guarantee company for guarantee. Then the guarantee company will do the part of the business that the bank is not willing to do, and the risk will be borne by the guarantee company.

The advantages of a guarantee company are low threshold, high work efficiency, fast loan speed, and accept various forms of collateral as counter-guarantee measures, such as real estate, vehicles, trademarks, equity, etc. .

Guarantee company capital requirements

Investment guarantee companies generally require a registered capital of more than 100 million yuan. If cross-regional guarantees are required, it must be more than 100 million yuan.

According to the "Decision of the State Council on Amending the Decision of the State Council on Setting Administrative Licensing for Administrative Approval Items that Really Need to Be Retained" (State Council Order No. 548), "small and medium-sized enterprises that cross provinces or regions or are large-scale "Approval for the Establishment and Change of Enterprise Credit Guarantee Institutions" was changed to "Approval for the Establishment and Change of Financing Guarantee Institutions", and the implementation agency was changed from the National Development and Reform Commission to the department determined by the people's government of the province, autonomous region, or municipality directly under the Central Government. The introduction of the above policy measures will take some time.

From what we know about the registration situation in other provinces and cities, there are differences in operations in different places: the Beijing Municipal Administration for Industry and Commerce does not impose restrictions on the registration of guarantee companies; the Shanghai Municipal Administration for Industry and Commerce has suspended the registration of guarantee companies; the Zhejiang Provincial Administration for Industry and Commerce only Guarantee companies with a registered capital of more than 50 million yuan are registered; the Jiangsu Provincial Administration for Industry and Commerce registers "non-financing guarantee companies", and the business scope of the enterprise is approved as "non-financing guarantee", etc.

In order to unify and standardize the operations of our province, support the development of credit guarantee institutions, and alleviate the financing difficulties of small and medium-sized enterprises, according to the notice of the General Office of the State Council on forwarding the opinions of the National Development and Reform Commission and other departments on strengthening the construction of the credit guarantee system for small and medium-sized enterprises ” (Guobanfa [2006] No. 90), “Interim Measures for Risk Management of Financing Guarantee Institutions for Small and Medium-Sized Enterprises” (Caijin [2001] No. 77) and other regulations, the following are the following suggestions regarding the registration of guarantee institutions during the transition period:

1. Application for the establishment of a new guarantee institution with a registered capital of less than 100 million yuan shall be processed by the industrial and commercial department. The business period of the enterprise shall be approved for one year, and the business scope may be approved as: “providing guarantees for natural persons and enterprises (excluding Financing guarantee)", and the relevant procedures will be completed after the relevant national and provincial policies are clarified.

Non-financing guarantee companies are not allowed to provide guarantees and re-guarantees for small and medium-sized enterprises to obtain loans from financial institutions, bill discounts, financial leases and other financing methods, and are not allowed to engage in deposit and loan financial business and fiscal credit business.

2. A newly established financing guarantee institution that applies for capital increase with a registered capital exceeding 100 million yuan (including 100 million yuan), and a financing guarantee institution that has been approved and registered and applies for adding a branch , the industrial and commercial department will not accept it for the time being, and will handle the relevant procedures after the relevant national and provincial policies are clarified.

3. If a registered guarantee institution and its branches with a registered capital of less than 100 million yuan apply for registration changes (including the establishment of additional branches), cancellation of registration, and filing, the industrial and commercial departments shall handle it in accordance with the law.

4. From the date when the Provincial Finance Office formally accepts the approval, the establishment and change of financing guarantee institutions must be approved by the Provincial Finance Office before being registered with the industrial and commercial department. If the relevant national and provincial approval and registration policies are inconsistent with this notice after they are promulgated, they shall be implemented in accordance with the relevant national and provincial regulations.

Guarantee company business process

1. Application: The enterprise submits a loan guarantee application

2. Inspection: Inspection of the enterprise's operating conditions, financial situation, and mortgage assets , tax situation, credit situation, business owner situation, and initially determine whether to guarantee or not.

3. Communication: Communicate with the lending bank, further understand the corporate information provided by the bank, and clarify the amount and term of the bank's intended loan.

4. Guarantee: Sign guarantee and counter-guarantee agreements with enterprises, asset mortgage and registration and other legal procedures, and sign guarantee contracts with lending banks to formally establish guarantee relationships with banks and enterprises.

5. Lending: Banks issue loans to enterprises on the basis of reviewing guarantees, and at the same time charge guarantee fees from enterprises.

6. Tracking: Track the company's loan usage and company operations, and most directly track and examine the company's operating status through the company's quarterly tax payment, electricity consumption, and cash flow growth or decrease.

7. Reminder: One month before the enterprise repays the loan, advance reminder is provided so that the enterprise can make preparations for loan repayment in advance and ensure the normal operation of the enterprise's capital flow.

8. Lifting: With the company's bank repayment note, the mortgage registration is canceled and the guarantee relationship with the bank and the company is lifted.

9. Records: Record the credit status of this guarantee, divided into four levels: normal and abnormal, overdue, and bad debts, to provide credit records for subsequent guarantees.

10. Archiving: Arrange and archive various agreements signed with banks and enterprises, as well as vouchers for loan repayments and guarantee release vouchers for future investigation.

How to identify regular guarantee companies

Beijing TV’s "The Rule of Law" broadcasts various scams every day and some people are still fooled. I don’t think people who read this article will be fooled in the future. We were deceived because at work we often hear clients tell us about their previous experiences of being deceived when applying for loans, so here is a list of scammers commonly used by scammers who pretend to be able to apply for loans for clients. The trick is for everyone’s reference, and I hope it can help you identify the authenticity and the fake, and be careful not to be fooled!

Fraud 1. Applying for large-amount credit cards: This scam often deceives middle-aged people who lack knowledge about loans and are eager to use money. Scammers will usually claim to be able to handle the procedures for you to apply for a large credit card and then help you withdraw cash, charging you a handling fee. In the end, if you fail to apply for a credit card, the handling fee will not be refunded to you! First of all, it is free for banks to apply for credit cards, and the size of the credit limit is based on the individual's assets and credit report. It does not mean that you will be approved if you pay more. If you don't pay, it will not be approved. So what is the so-called contact with the bank? If you have a good relationship and have a good relationship with the bank manager, you can get a large credit card approved for you. These handling fees are also used to manage the lies of the bank. Most people can figure it out in their head. How much can you pay to get a credit card? The maximum is 200 yuan, right? No matter how much you pay, you don't want to pay. Let's not say that credit card approval is not under the president's control. It is under his control. What is the identity of the president? Just for your petty profit of 200 yuan, why would you violate the regulations of the China Banking Regulatory Commission and risk being fired to get a credit card for you?

Fraud 2: This scam often deceives those who have just entered society and want to start their own business but do not have any assets. In today's society, it is so difficult to borrow money from relatives and friends. Why would a loan company that is not related to you lend you money for nothing? Do you really think that if you don't pay back the money, you'll find a few thugs to pour gasoline on your house to pay for it, just like in the Hong Kong gangster movies? This kind of so-called unsecured company will usually describe the prospects to you in advance, and then charge you so-called investigation fees, home visit fees, handling fees, etc. In the end, either the so-called loan company runs away or you are not qualified. It does not meet the company's loan requirements, but the handling fee you paid previously cannot be refunded! What's more, they go right to the first scam and ask you to apply for a large credit card?

Fraud 3. Arranged loans: This scam often deceives people who have conditions that do not meet bank loans and whose personal credit and conditions do not meet bank lending conditions. This scam is similar to credit cards. No matter whether the property you mortgage meets the bank's loan requirements or whether your personal credit meets the bank's requirements, we can provide you with a loan through secret operations through our relationship with the bank and the president. Since you already know that you do not meet the conditions of the bank, if you want us to help you get a loan, you will have to pay some fees to manage the people in the bank. Needless to say, the final result? It’s because the building is empty or the handling fee cannot be refunded! .

What are the bank financing guarantees?

1. Bank fixed asset investment loan guarantee

Provide guarantee for enterprises to apply for bank fixed asset investment loans for new construction, expansion, renovation, development and equipment purchase. The loan guarantee period can generally be more than three years based on the actual situation of the enterprise.

2. Bank working capital loan guarantee

It is a guarantee provided for enterprises to apply for bank working capital loans to meet their temporary and seasonal capital needs in production and operation activities. According to the actual needs of the enterprise, working capital loan guarantees can be divided into:

Temporary working capital loan guarantees: the period is generally no more than three months, mainly for the temporary capital needs of the enterprise for one-time purchase or to make up for other expenses. Short-term loan guarantee support provided when payment funds are insufficient.

Short-term working capital loan guarantee: The term is generally between three months and one year, and it mainly provides guarantee for working capital loans for normal production and operation of enterprises.

Medium-term working capital loan guarantee: The term is generally between more than one year and within three years. It mainly provides guarantee for loans of funds regularly occupied by enterprises in their normal production and operations.

Working capital loan guarantee under the highest comprehensive credit line: the enterprise signs a one-time loan contract with the bank, and signs a one-time maximum guarantee contract with the guarantee company. During the validity period stipulated in the contract, the enterprise can withdraw funds multiple times, repay the loan one by one, and recycle the loan funds.

3. Bank bill guarantee

Guarantee provided for the discount business of bank bills (bank acceptance bills and letters of credit) under working capital.

Bill discounting business refers to the behavior of the holder transferring the rights to the bill to the bank in order to obtain funds before the bill matures. The guarantee period generally ranges from three months to half a year.

4. Bank guarantee guarantee

It provides guarantee for enterprises to issue guarantee letters (including performance guarantees, advance payment guarantees, payment guarantees, bid guarantees, etc.) from banks.

5. Bank financing guarantee business for personal customers

Bank financing guarantee business for personal customers includes: car loan guarantee business, housing loan guarantee business, personal operating loan guarantee business, and personal consumption credit Guarantee business, etc.

What is the guarantee function of investment guarantee companies?

When major companies make relevant economic loans, they need corresponding guarantors to provide guarantees. At the same time, there will also be professional investment guarantee companies to provide guarantees, which will bring huge benefits to many people. So, do you know what the specific role of an investment guarantee company is? For enterprises, the main role includes ensuring the realization of creditor's rights and avoiding the loss of funds, etc. It is even more safe and reliable for investors. 1. The guarantee role of investment guarantee companies 1. Corporate banks have fewer types of personal loans, have strict requirements for personal loan conditions, long investigation and review periods, and cumbersome procedures. However, guarantee companies have flexible loan types and can assume the maturity by providing guarantees to banks. Repay obligations and help borrowers obtain loans from banks to meet the borrower's financial needs for starting a business, buying a house, buying a car, etc. Among the many financing channels, the guarantee industry has attracted more and more attention and favor from small and medium-sized enterprises due to its unique advantages. Under the current situation in China, gradually improving the guarantee system is one of the most effective measures to solve the loan difficulties of small and medium-sized enterprises, and plays a positive role in the financing of small and medium-sized enterprises. The guarantee system is still an emerging industry in China. It is funded by the government or corporate legal persons and is established to support loans to small and medium-sized enterprises or to support the export of domestic and regional products. It exists as a guarantor in the lending relationship between banks and enterprises. It signs guarantee contracts with banks and enterprises respectively, establishes specific economic relationships, and plays the following roles: Guaranteeing the realization of claims. From a bank's perspective, banks are When handling loan business, be particularly cautious and pay attention to preventing and controlling loan risks. Since investment guarantee companies have a certain amount of guaranteed funds and have strong compensation capabilities, guarantee institutions have higher credit ratings. Small and medium-sized enterprises can effectively share the bank's loan risks by using it as a guarantee, which is conducive to enhancing banks' confidence in loans to small and medium-sized enterprises, thus solving the problem of difficulty in borrowing by enterprises and banks, promoting financial circulation, and effectively promoting the development of the national economy. From an enterprise's perspective, the guarantee improves its credit rating. If an enterprise wants to obtain credit support from a bank, it must accept the supervision of the guarantee institution and the bank, and provide reports on its operations and fund use to the guarantee institution to strengthen mutual understanding; the guarantee institution provides guarantees for the enterprise , it is not a purposeless guarantee, it is based on strict examination and understanding of the enterprise. If the conditions of the enterprise fail to meet the requirements, the guarantee agency will never guarantee it. To avoid the loss of funds, the guarantee agency conducts a pre-loan review of the enterprise before taking the loan to understand its operating status and development prospects. After the loan, it pays close attention and strictly examines the company's use of funds, discovers problems in a timely manner, and works with the bank to implement the funds. recovery, thereby effectively avoiding the loss of funds, safeguarding the interests of the country and banks, and ensuring the effectiveness of financial financing. Improve corporate financing efficiency. As an intermediary, guarantee agencies play a bridging role. They not only connect banks and companies, but also review companies on behalf of banks, supervise companies, apply to banks on behalf of companies, and handle relevant procedures. They play an active and effective role in The purpose of banking and enterprise services is to enable banks and enterprises to have more manpower, financial resources and time to develop other businesses, thereby effectively promoting their development. It can be seen that the establishment of the guarantee system gives small and medium-sized enterprises a stable and reliable credit system, which is conducive to solving the problem of loan difficulties for small and medium-sized enterprises to a certain extent and helping small and medium-sized enterprises relieve financial pressure. At the same time, it can help banks achieve their overall business goals in accordance with the "three natures" operation and management principles of loans, and make bank loans safer and more effective. [1] 2. Investors Investment guarantee is a popular investment option. Compared with other types of investments, it has the following specific benefits: Safe and reliable: the investment principal will be guaranteed. Guaranteed Growth: A fixed-rate investment guarantee guarantees that the interest earned will accurately predict the total value of the investment at maturity. Prime Interest Rates: Investment Guarantee offers extremely competitive interest rates. Flexible term: Different types of investment guarantees have different options. You can choose the term that best suits you, from one day to 5, 7, or 10 years. Flexible payments: Some investment guarantees allow you to choose how the interest earned is collected, such as monthly, annually, or upon maturity. 2. What is an investment guarantee company? A guarantee company is a professional institution responsible for credit guarantee functions for individuals or small and medium-sized enterprises. Guarantee companies obtain economic and social benefits by lending their own credit resources for a fee and preventing and controlling credit risks. Investment guarantee companies are intermediary companies that provide financing guarantees for small and medium-sized enterprises to earn profit margins. ***It is divided into three types: small, medium and large. There are only two types of private financing enterprises in China: guarantee companies and pawn shops.

Credit guarantee for small and medium-sized enterprises refers to the agreement between the guarantee company and creditors such as banks that when the guaranteed small and medium-sized enterprises fail to perform the debts stipulated in the contract, the guarantee company will assume the agreed responsibilities or perform the debts. Guarantee companies assume certain risks and responsibilities as a third party when small and medium-sized enterprises themselves are unable to provide sufficient loan guarantees, and connect small and medium-sized enterprises with commercial banks through standardized operations, thereby guiding social capital, especially bank funds, to flow smoothly to small and medium-sized enterprises. . From a macro perspective, credit guarantees can reduce the risk of creditor's rights and strengthen the role of creditor's rights, thereby playing an important role in standardizing the order of credit transactions, strengthening the security of credit transactions, maintaining the stability of social and economic relations, and promoting the orderly development of the market economic environment; but from a micro perspective From a perspective, the essence of credit guarantee is a process in which banks transfer the loan risks of small and medium-sized enterprises to guarantee companies and the guarantee companies resolve the risks with their own risk management capabilities. To sum up, investment guarantee companies that invest in guarantees are a very good choice for many people. At the same time, during the guarantee period, it can not only effectively improve the company's financing efficiency, but also better avoid the loss of corporate funds. Of course, investors can also make flexible payments and provide corresponding interest rates.