Legal analysis: 1. The registered capital of establishing a credit guarantee institution shall not be less than 50 million yuan, of which the physical object shall not exceed 20%; 2. Senior managers engaged in guarantee business shall have the qualifications recognized by the National Development and Reform Commission, or have more than 2 years working experience in financial business. .3. It has a scientific and standardized risk control system and corresponding internal risk control institutions; 4. Have a fixed business place. When individuals or enterprises lend money, banks will ask lenders to provide guarantors or guarantee companies in order to reduce their own risks. The guarantee company guarantees the lender, so as to get a certain reward.

Legal basis: Article 16 of the Company Law of People's Republic of China (PRC) stipulates that if a company invests in other enterprises or provides guarantees for others, it shall be decided by the board of directors or the general meeting of shareholders in accordance with the provisions of the articles of association; Where the articles of association stipulate limits on the total amount of investment or guarantee and the amount of individual investment or guarantee, it shall not exceed the prescribed limits.

Where a company provides a guarantee for the company's shareholders or actual controllers, it must be resolved by the shareholders' meeting or the shareholders' meeting.

Shareholders specified in the preceding paragraph or shareholders controlled by actual controllers specified in the preceding paragraph shall not participate in voting on matters specified in the preceding paragraph. The voting shall be passed by more than half of the voting rights held by other shareholders present at the meeting.