The third-party joint liability guarantee can be used for the combination of one or more of the following guarantors, and the third-party guarantee can guarantee the full credit line or the exposure line other than the mortgage guarantee line.

1. Guarantee provided by a professional guarantee company: The paid-in registered capital of the guarantee company shall not be less than RMB 1 100 million yuan. According to the strength and operating conditions of the enterprise, the amount of external guarantee shall not exceed 65,438+00 times of its paid-in capital, and the margin ratio shall not be less than 65,438+00% of the guaranteed amount.

2. Guarantee provided by the core enterprises in the industrial chain: the sales income of the enterprise in the previous year was more than 500 million yuan, the net profit was more than 65.438+million yuan, the asset-liability ratio did not exceed 70%, and the amount of external guarantee did not exceed its net assets.

3. Borrower's Joint Guarantee: Members of the Borrower's Joint Guarantee Group (hereinafter referred to as "Joint Guarantee Group") shall meet the following conditions:

(1) is a cluster merchant in the same industry;

(two) engaged in the industry for more than 5 years, and established a fund-using enterprise for more than 3 years;

(three) the sum of the net assets of the family and the enterprise with funds is not less than 2 million yuan;

(four) all have no bad records, and have the ability and willingness to repay debts;

(5) They shall not be related parties, including spouses, immediate relatives within three generations and collateral relatives within two generations, shareholders whose main income comes from the same enterprise, cross-shareholding or holding between enterprises with capital exchanges, and other related parties that may lead to the same source of property income;

(6) The same natural person can only join a common insurance group.