What is a financing guarantee company?

Question 1: What is the difference between a financing guarantee company and a general guarantee company? They are all established according to law, and the conditions for applying for establishment are the same as those for the establishment of ordinary companies.

But there are still the following differences between them:

First, as far as registered capital is concerned, ordinary guarantee companies only need more than 500,000 yuan, while financing guarantee companies need a large amount, generally 450 million or even 1 billion or more (depending on the requirements of each province).

Second, financing guarantee companies must be issued a business license by provincial economic and trade institutions to carry out business activities, while ordinary guarantee companies do not need it. As far as the business scope is concerned, ordinary guarantee companies cannot carry out any other guarantee business except consulting business and intermediary services, while financing guarantee companies can carry out various financing guarantee businesses.

Question 2: What is a financing guarantee company? Hello, landlord:

A financing guarantee institution refers to a legally established limited liability company, joint stock limited company and other unincorporated institutions engaged in financing guarantee business:

(1) The financing guarantee institution is a franchise institution. It can only be registered and established in the relevant industrial and commercial departments after obtaining the pre-approval from the local regulatory authorities and the business license of the financing guarantee institution. Non-financing guarantee institutions are non-licensed institutions.

(2) Financing guarantee business is a franchise business with bank credit line. Non-financing guarantee institutions shall not engage in financing guarantee business.

(3) The financing guarantee institution is a franchise institution under the supervision of the regulatory agency. In addition to institutional access, the qualifications and business of its senior managers need to be examined and approved, and its business activities should be carefully supervised. Non-financing guarantee institutions have no such requirements.

Question 3: What is a financing guarantee? Loan guarantee is a third-party guarantee provided by guarantee institutions for lenders (financial institutions) and borrowers (mainly industrial and commercial enterprises and natural persons). The guarantee institution guarantees that when the borrower fails to repay the principal and interest within the time limit stipulated in the loan contract, it is responsible for paying the outstanding principal and interest payable by the borrower. The loan guarantee contract takes effect when the borrower receives the loan, and becomes invalid after the borrower or guarantor repays the principal and interest. Loan guarantee is the main business of credit guarantee institutions. Its main purpose is to alleviate the financing difficulties of enterprises, disperse the risks that may arise from bank lending and enterprise financing, and play a role in ensuring the safety of credit loans and promoting the development of enterprises.

Simply put, if someone wants to borrow money, you can assure the creditor that the other party has the ability to repay it. If the other party doesn't pay it back later, it's up to you. Therefore, when making financing guarantee, please be careful to ensure the operating conditions and foreseeable development prospects of the other company. I hope the answer will help you.

Question 4: What is the difference between an investment guarantee company and a financing guarantee company? I don't have a satisfactory answer to the difference between the two. I suggest you consult the licensing agent.

Question 5: What is the difference between an investment guarantee company and a financing guarantee company? The difference between them is that the financing guarantee institution must have the Business License of People's Republic of China (PRC) in the form of "administrative department for industry and commerce" and the Business License of People's Republic of China (PRC) in the form of "provincial financial work office", while the investment guarantee company does not.

I also borrowed flowers to worship Buddha, which I saw on the shenyang evening news. The topic is: Liaoning Zhongpu unveiled the painted skin of runway investment guarantee company.

Guess what? I went to the movies. There are pictures and truth.

Question 6: When a guarantee company or enterprise borrows money from a bank, in order to reduce the risk, the bank does not directly lend money to individuals, but requires the borrower to find a third party (guarantee company or qualified individual) to provide credit guarantee for it. According to the requirements of the bank, the guarantee company will require the borrower to issue relevant qualification certificates for review, and then submit the audited materials to the bank, which will lend money after review, and the guarantee company will charge corresponding service fees.

Seven standards of qualified guarantee companies

How to judge whether a guarantee company is qualified should pay attention to the following seven criteria.

Standard 1: Pursuing higher personnel quality.

Because of the particularity of investment guarantee company's business operation, the decisive factor of financing guarantee business success or failure is the project operation ability and professional ethics of business operators, as well as the comprehensive quality factor of personnel composed of * * * *. Among them, enterprise operators have high project operation ability and strong overall control over financing guarantee projects. On the other hand, once the project is out of control, it will cause the loss of investors' funds. For guarantee companies, business operators have qualified project operation ability, which is just a good guarantee for the successful operation of financing guarantee projects. In order to fully ensure the success of the project operation, we must pay attention to the professional ethics of enterprise 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 problem that guarantee companies must properly solve in the early stage of project operation.

Must fulfill the standard 2 salary commitment.

When recommending high-quality financing projects to investors, investment guarantee companies responsible for the safety of investors' funds often provide joint and several liability guarantees to investors, and monitor the use and recovery of investors' funds throughout the process.

The joint and several liability guarantee provided by the guarantee company refers to

If the investor fails to repay in time or in full on the due date, the guarantee company will unconditionally advance the relevant funds for the investor on behalf of the investor within three working days.

Ensure that the investor's funds can be fully recovered within three working days at most.

The joint and several liability guarantee promise provided by the investment guarantee company, combined with the compulsory execution measures after the judicial organ notarizes the loan contract, can ensure that the legitimate rights and interests of investors are protected to the maximum extent.

Standard 3 business processing must be standardized.

If the strong enterprise strength is the inherent advantage of the guarantee company against the fierce market competition, then the more advanced management system and standardized business process are the fundamental guarantee for the guarantee company to gain recognition from all parties and continue to grow and develop. How to effectively eliminate the hidden danger of capital security from the source is not only a difficult problem for investors, but also one of the priority issues for the guarantee company as the third-party guarantor of the project. Formulating and implementing a rigorous and standardized business process can filter out the factors that are not conducive to the safety of investors' funds as soon as possible from the source. This is the crux of the nonstandard business process of those guarantee companies, which is easy to cause investors' financial losses in project operation.

Standard 4 Risk prevention and control cannot be relaxed.

An industry veteran said that 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, it can't completely avoid business risks. In the best state, enterprise risks are only controlled in the lowest possible range, thus creating enterprise profits in risk prevention and control. For a simple example, for general types of financing guarantee business, the guarantee company will charge 3% of the project guarantee fee. In other words, the guarantee company needs to bear the operating risk of 100 yuan while making profits in 3 yuan. Therefore, the establishment and implementation of business risk prevention and control system is of great significance to guarantee enterprises.

Standard 5: The enterprise is strong, but strong.

The first ancient standard for choosing private guarantee companies is to choose guarantee companies with strong enterprise strength. However, what kind of guarantee company is a powerful enterprise? First of all, we need to look at the registered capital of the company. Secondly, it depends on the size of the company's business. The scale of operation is directly restricted by the number of operators, and the number of operators is restricted by the size of the business site. Large-scale companies often need larger business venues to support them. Of course, some guarantee companies with their own property rights business premises are better than those leasing business premises in terms of enterprise strength. The last concern 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 get ideal investment returns.

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Question 7: What is a financing guarantee? What is loan guarantee? In the normal business process, in order to expand business, it is necessary to increase liquidity and apply for loans and credits from banks, which is financing.

If the borrower does not have enough assets mortgage, the professional guarantee company will bear joint and several liability guarantee for the bank's credit, which is called guarantee. Financing guarantee is different from non-financing guarantee, which mainly depends on whether the borrower's guarantee business solves the capital problem. If the purpose of the guarantee is only to solve the phased problems in the business and enhance the applicant's ability to take responsibility, it is not directly related to the funds, then this kind of guarantee is a non-financing guarantee.

Question 8: The difference between financing guarantee companies and credit guarantee companies. Hello, I'm in the guarantee business. In fact, it is not the difference between a financing guarantee company and a credit guarantee company. From the perspective of guarantee companies, there is only the difference between financing guarantee companies and non-financing guarantee companies. The financing guarantee company needs to obtain the business license of the financing guarantee institution from the local financial management department such as the Financial Office and accept the annual inspection of the relevant departments. Financing guarantee companies can be shortlisted in banks and get credit according to relevant regulations, thus providing loan guarantees for units and individuals. If a credit guarantee company has obtained the business license of a financing guarantee company, it can also engage in the above business. A financing guarantee company is a third-party institution between banks and enterprises. At this time, the difference between financing guarantee companies and credit guarantee companies lies in the requirements for counter-collateral. The former generally needs full counter-guarantee, while the latter only needs partial or no counter-guarantee, which greatly solves the financing problem of small and medium-sized enterprises. However, non-financing guarantee companies cannot get bank credit in banks, which is the fundamental difference between financing guarantee companies and non-financing guarantee companies. For other differences, please refer to the relevant provisions of financing guarantee companies and non-financing guarantee companies. At present, many credit guarantee companies in society are divided into financing guarantee companies and non-financing guarantee companies. Many investment companies carry out private lending business in the name of credit guarantee companies. It is common to issue credit loans to individuals, which is characterized by attracting customers to apply for loans at low interest rates. However, with the handling fees charged by them, usury is formed, which is four times higher than the bank interest rate stipulated by the relevant departments. I hope you will be satisfied with my explanation.

Question 9: What do guarantee companies mainly do? Generally speaking, a guarantee company is a loan intermediary.

When an individual or enterprise borrows money from a bank, in order to reduce the risk, the bank does not lend money directly to the individual, but requires the borrower to find a third party (guarantee company or qualified individual) to provide credit guarantee for it. According to the requirements of the bank, the guarantee company will require the borrower to issue relevant qualification certificates for review, and then submit the audited materials to the bank, which will lend money after review, and the guarantee company will charge corresponding service fees.

Question 10: Can a financing guarantee company go public? Yes, it can be listed, but the country has higher requirements for auditing, so there is no listed company specializing in this field at present. However, many listed companies (especially group companies) have actually engaged in financing guarantee business.