1. First of all, the marketing cost of bank microfinance is high, and it is difficult for small enterprises to apply for loans directly from banks, which leads to financing SMEs seeking help from financing institutions such as guarantee institutions. The cost of selecting customers for guarantee institutions is relatively low, and selecting high-quality projects from them to recommend to cooperative banks will improve the success rate of financing, which will reduce the marketing cost of bank microfinance.

2. In addition, in terms of risk control of loans, banks are reluctant to invest in small loans. An important reason is the high management cost of such loans. However, the benefits are not obvious. For this kind of loan, the guarantee institution can optimize the management process of the loan, form personalized service of post-loan management, share the management cost of the bank, and avoid the worries of the bank.

3. Secondly, after the risk is released, the advantages of guarantee institutions are irreplaceable. There are risks in the project of bank direct loan, and the disposal of collateral often takes a long time, with high litigation cost and poor liquidity. The cash compensation of guarantee institutions has greatly solved the problem of bank disposal. Some guarantee institutions can compensate overdue loans after 65,438+0 months (or even 3 days of investment guarantee), and the bank's non-performing loans will be eliminated in time, and then the guarantee institutions will pass it.

By enabling banks to fully guarantee the standardized and efficient operation of the company's post-loan management and loan preservation, some cooperative banks outsource post-loan collection and loan asset disposal to guarantee companies, and the two sides have achieved good cooperation results, so timely bank collection is only a little, not very high.

Loan skills

1. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. For example, a good personal credit record.

2. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the trend of lending within half a month. If the loan amount applied by the lender is large, I suggest that you reduce the loan amount appropriately, so that the hope of passing the bank audit will be greatly increased.

3. Description of the loan: fill in the application materials in detail, the purpose of the loan, personal credit record, income source, repayment ability and family income, etc. Make sure that your loan can be repaid on time whenever and wherever it is.

4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, resulting in a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.