1. Guaranteed loans are divided into general guaranteed loans and special guaranteed loans. General secured loan refers to a loan in which a number of small and medium-sized enterprises form a guarantee group and sign an agreement, and when the borrower fails to repay the loan as agreed, the members of the guarantee group bear joint and several liabilities; Special joint guarantee loan refers to a loan issued by rural credit cooperatives to small and medium-sized enterprises, which is jointly funded by a number of small and medium-sized enterprises to set up a risk fund, set repayment responsibility and loss risk compensation mechanism.
Second, apply for a joint guarantee loan. There should be at least five members of the joint guarantee team. During the whole repayment period, the asset-liability ratio of the members of the joint guarantee team should be kept below 60%. At least 30% of the annual sales income of the members of the joint guarantee team should be deposited in rural credit cooperatives. The credit rating of all members of the joint guarantee team should be above A+, and the members of the joint guarantee team are not related parties.
Third, the guaranteed loan amount of small and medium-sized enterprises should be determined within 25% of the total comprehensive credit, AA level should be determined within 20% of the total comprehensive credit, and A+ level should be determined within 15% of the total comprehensive credit; The total amount of loans of all members of the special joint guarantee loan team shall not exceed 3 times of the total amount of risk funds established. The maximum term of joint guarantee loans for small and medium-sized enterprises is 3 years.
Fourth, enhance awareness and guard against risks. While vigorously expanding the joint guarantee loan business, it is necessary to effectively prevent and control its risks. 1. Choose farmers who are honest and trustworthy, have good family economic conditions and have practical business projects as joint guarantee households, avoid emphasizing quantity over quality, prevent sloppy pre-loan investigation, and lightly issue joint guarantee loans. 2. Vigorously publicize relevant legal knowledge, explain the legal responsibility of joint guarantee loans to farmers, strengthen farmers' credit awareness, and improve farmers' affinity for joint guarantee loans. 3, the loan purposes and farmers' production and operation projects, to fully demonstrate and predict with a serious and responsible attitude, and strengthen post-loan inspection and tracking management.
Fifth, improve laws and regulations, facilitate operation, strengthen services and expand influence. First, actively marketing and extensive publicity to enhance the social influence of farmers' joint guarantee loans. The second is to give full play to the advantages of credit cooperatives' wide contacts and rich information resources, help farmers choose suitable projects to get rich, and actively provide farmers with "one-stop" services before, during and after childbirth. Especially in cost management, product sales, payment settlement and so on. Help farmers, promote farmers to increase their income, and create a good environment for the promotion and development of joint guarantee loans.