At present, the credit granted by banks to guarantee companies mainly depends on the background of shareholders. Generally, policy guarantee companies funded by provincial and municipal finance will give larger credit lines, while for ordinary commercial guarantee companies or private guarantee companies, they mainly pay attention to capital adequacy ratio and risk management ability. The more paid-in capital, the better. They can't escape. In terms of risk management ability, first, whether there is any illegal business, and second, whether there is any default in cooperation with banks, such as payout ratio of past business.
As for the credit rating, it is generally weak for such enterprises. The use of quotas is also more flexible. It may not be possible to give you a quota of 65.438 billion yuan, because when it comes to which enterprise to guarantee, it mainly depends on the qualifications of the borrowing enterprise. Without the guarantee of the guarantee company, you can definitely lend. Second, how to determine the quota coefficient and risk coefficient in the letter of guarantee?
To measure the loan risk, we must first analyze the factors that affect the loan risk. Although the factors affecting the loan risk are complex and changeable, there are four main factors, namely, the loan object, the loan method, the loan term and the loan form. The measurement of loan risk must be the synthesis of the influence degree of the above four factors on loan risk. Liaoning Yuheng Guarantee, 024-3 197626 1
Three, how to determine the amount coefficient and risk coefficient in the letter of guarantee?
To measure the loan risk, we must first analyze the factors that affect the loan risk. Change, but there are four main factors, namely, loan object, loan method, loan term and loan form. The measurement of loan risk must be that the above four factors guarantee the loan Ning Yuheng, 024-3 197626 1.
Fourth, the guarantee fee collection standard
1, the examination fee is 3‰ of the amount of guarantee application, and the amount less than 3,000 yuan is collected in advance by 3,000 yuan, and the project terminated after careful examination in the preliminary examination stage is charged by 1000 yuan. 2. The guarantee fee is based on the guarantee amount and charged according to the guarantee rate (monthly rate). Guarantee fee = guarantee amount × guarantee time (month) × monthly guarantee rate = monthly benchmark rate × risk coefficient × line coefficient, where the monthly benchmark rate is set to 1.5‰, and the risk coefficient and line coefficient are shown in the following table: (rate coefficient table) Basic risk assessment value ≤ 0.30 ≤ 0.40 ≤ 0.50 ≤ 0.600 .. In principle, the guarantee fee with a risk coefficient of1.21.41.465438/kloc-0 1.00.950.90.85, which is more than RMB 10,000, will be collected in one lump sum when signing the entrusted guarantee contract, and it will exceed/kloc. 1. Guarantor conditions: 1. A natural person with full capacity for civil conduct, aged from 18 to 65 (inclusive); 2. Have a legal and valid identity certificate and a permanent residence or permanent residence in the local area; 3. There is no obvious default record and no bad credit record; 4. It has nothing to do with this case; 2. What are the procedures for the execution guarantor: 1, and the person subjected to execution voluntarily applies; 2, the mortgage transfer or registration procedures; 3. With the consent of the applicant; 4. People's censorship system; 5. People's approval. Legal basis: Article 584 of the Civil Code of People's Republic of China (PRC). If one party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the agreement, thus causing losses to the other party, the amount of compensation shall be equivalent to the losses caused by the breach of contract, including the benefits that can be obtained after the performance of the contract; However, it shall not exceed the losses that the breaching party foresaw or should have foreseen when concluding the contract.