what is the loan process of the guarantee company?

(1) application: submission of relevant materials required for loan application

(2) review: after the submitted materials are complete, the guarantee company will verify the authenticity of the materials

(3) agreement: after passing the review, it will sign relevant agreements with the bank and the guarantee company

(4) lending: the bank will issue loans and deposit them in the borrower's account. At the discretion of the borrower

(5) repayment: repayment in full and on time every month as agreed in the contract

(6) settlement: the borrower pays off the principal and interest of the loan and the guarantee fee in full and on time, and goes through the settlement procedures

Because of the high marketing cost of the bank, it is difficult for small enterprises to apply for loans directly from the bank, which causes small enterprises to seek help from financing institutions such as guarantee institutions when they have financing needs, and the cost for guarantee institutions to choose customers is relatively low, so it is better to choose them.

In addition, in terms of risk control of loans, banks are reluctant to put them on the Internet. One of the important reasons is that the management cost of such loans is high, but the benefits are not obvious. For such loans, guarantee institutions can optimize the management process in lending, form personalized services for post-microfinance management, share the management cost of banks, and avoid worries of banks.

Secondly, after the risk is released, the advantages of guarantee institutions are irreplaceable. The projects directly loaned by banks are at risk, and the disposal of collateral often takes a long period, with high litigation costs and poor liquidity. The cash compensation of guarantee institutions has greatly solved the problem of bank's disposal. Some guarantee institutions can make compensation within one month (even three days for investment guarantee), and the bank's non-performing loans will be eliminated in time, and then the guarantee institutions will resolve the risks through their more flexible handling methods than banks.

loan guarantee business process

loan guarantee business process: (1) application: submission of relevant materials required for loan application; (2) Audit: After the submitted materials are complete, the guarantee company will verify the authenticity of the materials; (3) Agreement: After passing the examination, sign relevant agreements with banks and guarantee companies; (4) Lending: the bank issues loans and deposits them in the borrower's account, which is at the borrower's discretion; (5) Repayment: Repay in full and on time every month as agreed in the contract; (6) Settlement: The borrower pays off the loan principal and interest and the guarantee fee in full and on time, and goes through the settlement procedures.

Legal basis: Article 394 of the Civil Code

guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the creditor has the right to be paid in priority for the property if the debtor fails to perform the due debts or the mortgage right is realized as agreed by the parties.

the debtor or the third party mentioned in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property provided as guarantee is the mortgaged property.

What is the loan process for the guarantor to provide guarantee?

The loan process for the guarantor: 1. Apply for guarantee. 2, guarantee institutions to review whether the project meets the acceptance conditions. 3, to meet the acceptance conditions of the project, on-site inspection, data review and formal review of the project. 4, according to the project review results, according to the decision-making procedure to make decisions. 5, for the project decided to underwrite, the implementation of counter-guarantee measures. 6. Charge the guarantee fee. 7. Sign the entrustment guarantee contract, counter-guarantee contract, guarantee contract and related agreements. 8. Track and supervise the projects under insurance. 9. Release the guarantee responsibility.

Legal basis:

The definition of mortgage in Article 394 of the Civil Code is to guarantee the performance of the debt. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to be paid in priority for the property.

the debtor or the third party mentioned in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property provided as guarantee is the mortgaged property.

bank loan guarantee process

In general, the loan guarantee process includes: 1. Application: the enterprise applies for loan guarantee. 2. Inspection: inspect the operation, financial situation, mortgaged assets, tax payment, credit status and business owner of the enterprise, and preliminarily determine whether to guarantee or not. 3. Communication: communicate with the lending bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank. 4. Guarantee: Sign legal procedures such as guarantee and counter-guarantee agreement, asset mortgage and registration with enterprises, sign guarantee contract with loan banks, and formally establish guarantee relationship with banks and enterprises. 5. Lending: The bank issues loans to enterprises on the basis of reviewing the guarantee, and at the same time charges the guarantee fees to the enterprises. 6. Tracking: Tracking the loan usage and operation of enterprises, and directly tracking and inspecting the operation of enterprises through the increase or decrease of quarterly tax payment, electricity consumption and cash flow. 7. Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can make preparations for repaying the loan in advance and ensure the normal operation of the enterprise's capital flow. 8. Dissolution: The mortgage registration is cancelled and the guarantee relationship with banks and enterprises is cancelled with the enterprise's bank repayment form. 9. Record: Record the credit status of this guarantee, which is divided into four grades: normal, abnormal, overdue and bad debts, so as to provide credit records for subsequent guarantees. 1. Filing: all kinds of agreements signed with banks and enterprises, as well as vouchers after repayment of loans and vouchers for cancellation of guarantees, are filed and sealed for future file search.

what is the specific process of bank secured loan

secured loan means that when the borrower fails to provide mortgage (pledge) in full, a third party recognized by the lender should provide a guarantee to bear joint and several liabilities. Secured loans include secured loans, mortgage loans,. The process of secured loan is as follows:

1. Application: the enterprise applies for loan guarantee.

2. inspection: inspect the operation, financial situation, mortgaged assets, tax payment, credit status and business owner of the enterprise, and preliminarily determine whether to guarantee or not.

3. communication: communicate with the lending bank, further grasp the enterprise information provided by the bank, and make clear the amount and term of the proposed loan.

4. Guarantee: Appraisal guarantee and counter-guarantee agreement with enterprises.

5. Lending: The bank issues loans to enterprises on the basis of reviewing the guarantees, and at the same time charges the enterprises the guarantee fees.

6. tracking: tracking the loan usage and operation of enterprises.

7. Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can prepare for repaying the loan in advance and ensure the normal operation of the enterprise's capital flow.

8. dissolution: the mortgage registration is cancelled and the guarantee relationship with banks and enterprises is cancelled with the enterprise's bank repayment form.

9. record: record the credit status of this guarantee, which is divided into four grades: normal, abnormal, overdue and bad debts, so as to provide credit records for subsequent guarantees.

1. filing.

Legal basis

Article 9 of the General Principles of Loans:

Credit loans refer to loans granted on the credit of borrowers.

secured loans refer to secured loans, mortgage loans,.

Guaranteed loan means that a third party promises when the borrower fails to repay the loan according to the guarantee method stipulated in the Guarantee Law of the People's Republic of China. Loans issued by assuming general guarantee liability or joint and several liability as agreed.

mortgage loan refers to a loan issued with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of the People's Republic of China.

, refers to the loan issued with the movable property or rights of the borrower or a third party as the pledge according to the Guarantee Law of the People's Republic of China.

bill discount refers to the loan granted by the lender by purchasing the unexpired commercial paper of the borrower.

What is the secured loan process

Small secured loan process

1. Apply to the local human resources and social security department and provide relevant materials as required. The relevant departments shall examine whether the qualified person who submitted the application is qualified and the authenticity of the submitted materials;

2. Implement the relevant guarantee conditions. After the qualification review of the applicant, the guarantee conditions provided by the applicant will be reviewed to ensure the authenticity and credibility of the guarantee, so as to reduce financial risks;

3. Financial institutions apply. After the qualifications of relevant government departments and guarantors are examined, the applicant will apply to the relevant financial institutions.

4. After receiving the application materials submitted by the applicant, the financial institution will review them according to the prescribed procedures. If the materials submitted by the applicant are reviewed, they will be ready to lend money; At the same time, sign relevant contract procedures and report relevant data to relevant government departments;

5. Do post-loan management, supervise whether the applicant's loan is implemented, and repay the loan on time according to the contract in advance.

process of enterprise guaranteed loan

1. application: the enterprise applies for loan guarantee.

2. inspection: inspect the operation, financial situation, mortgaged assets, tax payment, credit status and business owner of the enterprise, and preliminarily determine whether to guarantee or not.

3. communication: communicate with the lending bank, further grasp the enterprise information provided by the bank, and make clear the amount and term of the proposed loan.

4. Guarantee: identify the loan guarantee and counter-guarantee agreement, asset mortgage and registration with the enterprise, sign a guarantee contract with the loan bank, and formally establish a guarantee relationship with the bank and enterprise.

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

6. tracking: tracking the loan usage and operation of the enterprise, and directly tracking and inspecting the operation of the enterprise through the increase or decrease of quarterly tax payment, electricity consumption and cash flow.

7. Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can prepare for repaying the loan in advance and ensure the normal operation of the enterprise's capital flow.

8. dissolution: the mortgage registration is cancelled and the guarantee relationship with banks and enterprises is cancelled with the enterprise's bank repayment form.

9. record: record the credit situation of this loan guarantee, which is divided into four grades: normal, abnormal, overdue and bad debts, so as to provide credit records for subsequent guarantees.

1. filing: all kinds of agreements signed with banks and enterprises, vouchers after repayment of loans, vouchers for cancellation of guarantees, etc. shall be sorted, filed and sealed for future file search.