It is legal and reasonable for the guarantee company to collect the guarantee fee. Credit guarantee institutions are mainly engaged in the guarantee of small and medium-sized loans, and their guarantee rates are linked to their operating risk costs. The benchmark guarantee interest rate can be 50% of the bank loan interest rate in the same period, and the specific guarantee interest rate can fluctuate by 30%-50% on the basis of the benchmark interest rate according to the degree of project risk. It can also be agreed by both parties independently with the consent of the supervision department of the guarantee institution. But now, in order to prevent the unfavorable recovery, many credit guarantee companies not only agree to charge guarantee fees, but also agree to charge other guarantee fees with higher rates in their business dealings and trust guarantee contracts signed with borrowers. The loan fee is legal. The loan handling fee is the related expenses incurred by applying for an intermediary or trying to close the evaluation agency during the loan process.
Legal basis: Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises, the relevant departments of the State Council should formulate relevant preferential policies for government procurement of small and medium-sized enterprises, and increase their share in government procurement by formulating procurement demand standards, reserving procurement shares, offering preferential price evaluation and giving priority to procurement.
The share of procurement reserved for small and medium-sized enterprises shall account for more than 30% of the total annual government procurement project budget of this department; Among them, the proportion reserved for small and micro enterprises is not less than 60%. Except for goods and services that small and medium-sized enterprises cannot provide.
Government procurement shall not discriminate against or exclude small and medium-sized enterprises in terms of ownership structure, operating years, operating scale and financial indicators.
The government procurement department shall timely release procurement information to the public in the media designated by the government procurement supervision and management department, and provide guidance and services for small and medium-sized enterprises to obtain government procurement contracts.