1. Customers apply for or recommend guarantees to the company through government, banks or other channels;

2. Contact and communication with banks;

3. Banks and guarantee companies handle business acceptance for qualified customers and notify customers to come to the company for preliminary negotiations;

4. The account manager conducts a preliminary investigation on the customer and collects data;

5. The business department shall issue a preliminary investigation report and submit it to the Air Duct Department, the Executive Vice President and the General Manager for approval in turn;

6. After the preliminary report is passed, a letter of intent for guarantee will be issued, and the review stage will be entered; If it fails, reply to the customer and relevant units in writing.

Second, the review stage:

1, in-depth investigation of customer details;

2. Analyze customers and write evaluation reports;

3. Regarding the guaranteed projects, the company will hold a review meeting:

4. Report to the general manager after the review meeting is passed. Beyond the approval authority of the general manager, it shall be reported to the chairman for approval and endorsement;

5. For the projects that fail to pass the review meeting, make supplementary investigation for those that meet the guarantee conditions, and then hold the review meeting; Do not meet the guarantee conditions, notify the customer and relevant units in writing;

6. The projects passed at the review meeting shall be signed and approved by the business director before the guarantee confirmation letter is issued to inform the customer to enter the processing stage.

Third, the processing stage:

1. Sign relevant agreements and contracts with customers and banks;

2. Handle counter-guarantee procedures related to secured loans;

3. After the company collects the guarantee fee and deposit, it will notify the bank to lend money with the loan notice;

4. The company issues invoices and receipts to customers.

Fourth, the supervision stage:

1. The company regularly monitors customers, fills out supervision forms for customers who are running normally, and writes supervision reports for customers who are running abnormally;

2. Regular communication between companies and banks;

3. Customers should provide financial reports to the company regularly;

4. One month before the expiration of the secured loan, the business department shall issue a repayment notice to the customer.

Verb (abbreviation of verb) recovery and compensation stage:

1. If the customer repays the loan on time, the bank will issue a repayment certificate and a certificate of releasing the guarantee responsibility to the guarantee company, and the company will return the customer's deposit to the enterprise;

2. If it is necessary to extend the loan, the customer shall apply to the bank and the guarantee company for loan extension one month in advance, and the guarantee extension will take effect after the bank and the guarantee company review and agree and sign the extension agreement;

3, overdue, the bank shall notify the guarantee company in writing, and fulfill the obligation of collection;

4. When in loans overdue, the bank applied for compensation from the guarantee company according to the guarantee contract;

5. After receiving the compensation notice, the company will compensate the cooperative bank according to the guarantee contract and with the approval of the general manager of the company;

6. The company strengthens the collection of problem loans and regularly issues problem loan recovery reports;

7. After the compensation, the company will deduct the overdue loan penalty from the deposit according to the contract; After the loan principal is fully recovered, if there is any surplus, the remaining deposits shall be returned according to the regulations;

8. Write-off of bad debt losses: Write-off of bad debt losses after approval by the board of directors.

Intransitive verb others

1. While going out to handle business, business departments must expand their scope of work, connect with economic departments in various districts and counties, actively seek, discover and tap local potential customers, actively publicize services and promote the company's business, and reserve customer resources.

2, business department to dig business, in principle, handled by the department; The business recommended by relevant departments or banks and the business recommended by customers' families shall be arranged by the business director as a whole.

3. Before the 5th of each month, all business departments need to summarize the newly developed potential customer resources this month and submit them to the business director of the company, who will report them to the general manager.

4. Each business department should report the collection of new customers at the weekly meeting.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.