1. There are two main expenses for the guarantee business: consulting fee, review fee and guarantee fee.

2. When the guaranteed project enters the risk assessment stage, it needs to pay the consulting assessment fee, which is generally 1%-3% of the loan guarantee amount.

3. The guarantee fee is calculated according to the interest rate and term of the loan guarantee amount. Generally, 50% of the loan interest rate is charged according to the actual loan term. Some companies can also charge 50% higher than the benchmark interest rate of the People's Bank of China in the same period. For example:

If the loan is 1 10,000 and the term is 1 year, then the appraisal fee is 20,000 according to 2%, and the guarantee fee is 1 10,000 * 53 1% * 50% * 1 year = 26550.

4. If the mortgaged assets are provided to the guarantee company and the mortgage registration is conducted, the expenses incurred will also be paid by the party applying for the guarantee.

Extended data

Business process of guarantee company:

1. Application: The enterprise applies for loan guarantee.

2. Inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee.

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 guarantees, and at the same time collects guarantee fees from enterprises.

6. Tracking: tracking the loan usage and operation of enterprises, and directly tracking and checking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.

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: cancellation of mortgage registration, cancellation of guarantee relationship with banks and enterprises with corporate bank repayment form.

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

10. Filing: all kinds of agreements signed with banks and enterprises, as well as vouchers after repayment of loans and vouchers for cancellation of guarantee, etc., are sorted, filed and sealed for future file search.

Baidu Encyclopedia: Guarantee Company