China Bank can mortgage (pledge) or guarantee loans for individual agriculture and animal husbandry, and at least adopt one of the following methods:
1. Collateral (pledge) guarantee: it shall be implemented in accordance with the relevant regulations of Bank of China on personal investment and commercial loans.
2. Guarantee by professional guarantee company: China Bank has access to professional guarantee company to provide irrevocable joint and complete liability guarantee.
3. Joint guarantee: Industry members with strong economic strength and good personal reputation form a "joint guarantee group", sign a joint guarantee agreement and undertake joint and several liability guarantee. Among them, each joint guarantee member can be both a borrower and a guarantor, and meet the following conditions:
(1) The joint guarantee agreement shall specify the borrowing method and the responsibilities of the borrower and guarantor.
(2) the joint guarantee must be carried out in units of "households" with no less than 3 members. Generally, "households" take households as the unit and adopt the mode of multi-household joint contracting, taking the projects they operate as the unit. If family property is involved as collateral property, the consent of the spouse should also be obtained.
(3) The domicile or main business premises of the UNPROFOR members should be relatively concentrated.
The above contents are for your reference. Please refer to the actual business regulations.
Bank loan guarantee company
Development history
The word "company" is limited in China, and it is different from domestic commercial banks, finance companies, auto financing companies, trust companies and other institutions that can handle loan business in definition and business scope. On August 1 1, 2009, the CBRC issued the Notice on the Management Provisions of Loan Companies, which standardized the behavior of loan guarantee companies in China. A formal loan company is a limited liability company fully funded by domestic commercial banks or rural cooperative banks.
The company can operate the following businesses: handling various loans; Handle bill discount; Handle asset transfer; Handle the settlement under the loan; Other assets business approved by China Banking Regulatory Commission. When conducting business, loan guarantee companies must adhere to the business purpose of serving farmers, agriculture and rural economic development, and the investment of loans is mainly used to support farmers, agriculture and rural economic development. Formal loan companies are not allowed to absorb public deposits, with high credit lines and flexible loan methods.
According to experience, there are few formal loan companies now. If you want to borrow money, it is recommended to go to a regular bank, so that the funds are guaranteed. A netizen in Chengdu said that there are no so-called formal small companies in Chengdu and even the whole country, either cheating the upfront expenses or. In Chengdu, you can consider Standard Chartered Bank's cash loan, which is an unsecured and unsecured loan method, based on your income certificate, asset certificate and your credit history. As long as you can prove that you have a stable income and a good credit record, your application may be approved.
In short, we should be safe when lending money. After all, there are few formal loan companies now, and the money of ordinary people is hard earned, so we should confirm the formality of loan guarantee companies before lending.
Seven standards of qualified guarantee companies
Standard 1: Pursuing higher personnel quality.
Because of the particularity of investment guarantee company's business operation, the decisive factor of financing guarantee business success or failure is the project operation ability and professional ethics of business operators, as well as the comprehensive quality factor of personnel composed of * * * *. Among them, enterprise operators have high project operation ability and strong overall control over financing guarantee projects. On the other hand, once the project is out of control, it will cause the loss of investors' funds. For guarantee companies, business operators have qualified project operation ability, which is just a good guarantee for the successful operation of financing guarantee projects. In order to fully ensure the success of the project operation, we must pay attention to the professional ethics of enterprise operators. After all, the moral hazard of insiders is the weakest link in the risk prevention and control system of investment guarantee companies, and it is also an important problem that guarantee companies must properly solve in the early stage of project operation.
Must fulfill the standard 2 salary commitment.
When introducing high-quality financing projects to investors, investment guarantee companies responsible for the safety of investors' funds often provide joint and several liability guarantees to investors, and monitor the use and recovery of investors' funds throughout the process.
The joint and several liability guarantee provided by the guarantee company refers to
If the investor fails to repay in time or in full on the due date, the guarantee company will unconditionally advance the relevant funds for the investor on behalf of the investor within three working days.
Ensure that the investor's funds can be fully recovered within three working days at most.
The joint and several liability guarantee promise provided by the investment guarantee company, combined with the compulsory execution measures after the judicial organ notarizes the loan contract, can ensure that the legitimate rights and interests of investors are protected to the maximum extent.
Standard 3 business processing must be standardized.
If the strong enterprise strength is the inherent advantage of the guarantee company against the fierce market competition, then the more advanced management system and standardized business process are the fundamental guarantee for the guarantee company to gain recognition from all parties and continue to grow and develop. How to effectively eliminate the hidden danger of capital security from the source is not only a difficult problem for investors, but also one of the priority issues for the guarantee company as the third-party guarantor of the project. Formulating and implementing a rigorous and standardized business process can filter out the factors that are not conducive to the safety of investors' funds as soon as possible from the source. This is the crux of the nonstandard business process of those guarantee companies, which is easy to cause investors' financial losses in project operation.
Standard 4 Risk prevention and control cannot be relaxed.
An industry veteran said that the core strength of a guarantee company is its ability to effectively prevent and control risks in the financing guarantee business. As long as any guarantee company conducts business, it can't completely avoid business risks. In the best state, enterprise risks are only controlled in the lowest possible range, thus creating enterprise profits in risk prevention and control. For a simple example, for general types of financing guarantee business, the guarantee company will charge 3% of the project guarantee fee. In other words, the guarantee company needs to bear the operating risk of 100 yuan while making profits in 3 yuan. Therefore, the establishment and implementation of business risk prevention and control system is of great significance to guarantee enterprises.
Standard 5: The enterprise is strong, but strong.
The first ancient standard for choosing private guarantee companies is to choose guarantee companies with strong enterprise strength. However, what kind of guarantee company is a powerful enterprise? First of all, we need to look at the registered capital of the company. Secondly, it depends on the size of the company's business. The scale of operation is directly restricted by the number of operators, and the number of operators is restricted by the size of the business site. Large-scale companies often need larger business venues to support them. Of course, some guarantee companies with their own property rights business premises are better than those leasing business premises in terms of enterprise strength. The last concern is whether the company has more high-quality financing projects for investors to compare and screen. Choosing high-quality financing projects can not only ensure investors' funds to be safer, but also ensure investors to obtain ideal expected annualized return on investment.
Standard 6 compulsory notarization should be implemented.
An important criterion to judge whether the guarantee company has a good reputation and the business process is standardized is whether the loan contract is sent to the notary office for notarization in accordance with the Opinions of the Ministry of Justice on Notarization of Private Lending Contracts when handling the financing guarantee business. After the investor obtains the contract notarization guarantee in the notary office, he can enjoy the right that once the user fails to repay the investor's loan, including the corresponding interest, the notary office can issue an execution letter according to the investor's application, and the investor can apply to the competent person for compulsory execution to ensure that the investor's loan funds are not lost.
Standard 7 Whether the professional qualifications are complete.
Although the market entry threshold of guarantee companies is not high, and after the "blowout" rapid development in 2009, there are more than 700 private credit guarantee institutions registered in Henan Province. However, there are only a handful of private guarantee companies that have obtained the filing certificates of credit guarantee institutions of relevant government departments. Most private guarantee institutions, especially some small-scale guarantee companies, mainly deal with private lending. Only a few large-scale guarantee companies are really doing the bank loan guarantee business for small and medium-sized enterprises, and these large-scale guarantee companies have submitted applications for registration and filing to the competent department of credit guarantee industry at the first time. If the business license is the industry access qualification of the guarantee company, then the credit filing certificate is the qualification grade certificate of the guarantee company. Those guarantee institutions that have not been formally filed by the government will face the dilemma of being eliminated in the new round of industry reshuffle.
Remarkable advantages of guarantee companies
Due to the high marketing cost of banks, it is difficult for small enterprises to apply for loans directly from banks, which leads to small enterprises having to seek help from financing institutions such as guarantee institutions when they have financing needs. The cost of selecting customers for guarantee institutions is relatively low. Choosing high-quality projects to introduce cooperative banks will improve the success rate of financing and reduce the marketing cost of banks.
In addition, in terms of risk control of loans, banks are also reluctant to put them on the Internet. An important reason is that the management cost of such loans is high and the expected annualized income is not obvious. For this kind of loan, the guarantee institution can optimize the loan management process, form personalized service for post-loan management, share the management cost of the bank, and eliminate the worries of the bank.
Secondly, after the risk is released, the advantages of guarantee institutions are irreplaceable. The project of bank direct loan is risky, 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 problems that banks are difficult to deal with. Some guarantee institutions can compensate after loans overdue 1 month (or even three days of investment guarantee), and the bank's non-performing loans will be eliminated in time, and then the guarantee institutions can resolve the risks through their more flexible handling methods than the banks.
On the other hand, the guarantee company has a fast time limit. As a bank, its inherent loan model process causes a lot of time waste for SME owners; The guarantee company just embodies the flexible mode of designing special financing schemes for different enterprises, which greatly saves the time and energy of business owners and can meet their urgent need for funds.
Furthermore, the credit line granted by the guarantee company on the basis of mortgage greatly exceeds the value of the mortgaged assets. Provide more demand funds for SMEs. For example, Beijing Wancai United Investment Management Co., Ltd. and Wuhan Chengcheng Investment Guarantee Company can provide enterprises with a loan model with comprehensive credit up to 240%.
Many investment guarantee companies have gained the full trust of banks in the standardized and efficient operation of post-loan management and loan risk resolution. Some cooperative banks outsource post-loan collection and loan asset disposal to guarantee companies, and the cooperation effect between the two parties is good.
Guarantee companies used to belong to quasi-financial institutions, but now they belong to non-financial institutions, while banks belong to pure financial industries. They are similar in form and can finance enterprises in function, but there are still essential differences.
Guarantee companies don't lend with their own funds, but guarantee with corporate reputation, and banks lend. In other words, if the enterprise can't meet the loan standard in credit reliability, it can find a guarantee company to guarantee it. Then the guarantee company does what the bank doesn't want to do, and the risk is borne by the guarantee company.
The advantages of guarantee companies are low threshold, high efficiency and fast lending speed. They accept various forms of collateral as counter-guarantee measures, such as real estate, vehicles, trademarks, equity and so on.
Capital requirements of guarantee companies
Investment guarantee companies generally require a registered capital of more than 654.38 billion yuan, and if they guarantee across regions, they need to reach more than 654.38 billion yuan.
According to the State Council's Decision on Amending the State Council's Decision on Setting Administrative License for Administrative Examination and Approval Items that Really Need to Be Retained (Order No.548 of the State Council), the "examination and approval of establishment and change of inter-provincial or large-scale credit guarantee institutions for small and medium-sized enterprises" was changed to "examination and approval of establishment and change of financing guarantee institutions", and the implementing organ was changed from the National Development and Reform Commission to the department determined by the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government. The above policy measures will be introduced for some time.
Judging from the registration situation of other provinces and cities, there are differences in local operations: Beijing Industrial and Commercial Bureau does not restrict the registration of guarantee companies; Shanghai Industrial and Commercial Bureau suspended the registration of guarantee companies; Zhejiang Industrial and Commercial Bureau only registers guarantee companies with a registered capital of more than 50 million yuan; Jiangsu Industrial and Commercial Bureau registered as a "non-financing guarantee company", and its business scope was approved as "non-financing guarantee".
In order to standardize the operation of our province, support the development of credit guarantee institutions, and alleviate the financing difficulties of small and medium-sized enterprises, according to the Notice of the General Office of the State Council on Forwarding the Opinions of Development and Reform Commission and Other Departments on Strengthening the Construction of Credit Guarantee System for Small and Medium-sized Enterprises (Guo Ban Fa [2006] No.90) and the Interim Measures for Risk Management of Financing Guarantee Institutions for Small and Medium-sized Enterprises (Jin Cai [2006] No.5438+0),
1. The application for establishing a new guarantee institution with a registered capital of less than 654.38 billion yuan shall be handled by the industrial and commercial department. The business term of the enterprise is approved as one year, and the business scope can be approved as "providing guarantee for natural persons and enterprises (excluding financing guarantee)", and the relevant procedures shall be handled after the relevant policies of the state and the province are clear.
Non-financing guarantee companies shall not provide guarantee and re-guarantee for small and medium-sized enterprises to borrow from financial institutions, discount bills, financial leasing and other financing methods, and shall not engage in deposit and loan financial business and financial credit business.
Second, the newly established financing guarantee institutions apply for capital increase, with a registered capital of more than 654.38+billion yuan (including 654.38+billion yuan), and the financing guarantee institutions that have been approved for registration apply for additional branches, which are not accepted by the industrial and commercial departments for the time being, and the relevant procedures will be handled after the relevant national and provincial policies are clear.
Three, the registered capital of 1 100 million yuan guarantee institutions and their branches, apply for change of registration (including the establishment of branches), cancellation of registration, filing, the industrial and commercial departments shall handle in accordance with the law.
Four, introspection financial office formally accepted the examination and approval, the establishment and change of financing guarantee institutions, should be approved by the provincial financial office before going to the industrial and commercial departments for registration. If the national and provincial policies on examination and approval and registration are inconsistent with this notice after being issued, they shall be implemented in accordance with the relevant provisions of the state and province.
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 be prepared to repay 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.
How to identify a formal guarantee company
The ongoing "Rule of Law in Progress" by Beijing TV Station has people falling for it every day. I'm not sure if people who read this article will be fooled in the future. Just in view of the fact that customers often told us about the experience of being cheated when applying for loans at work, I sorted out some tricks commonly used by scammers in the name of handling loans for customers for your reference, hoping to help you identify the true and false, and beware of being fooled!
Deception 1. Handling large credit cards: This kind of deception can often deceive some middle-aged people who lack loan knowledge and are eager to use money. Liars usually claim that they can go through the formalities for you, get a large credit card, and then help you withdraw cash and charge a handling fee. Finally, if the credit card fails, the handling fee will not be refunded to you! First of all, it is free for banks to handle credit cards, and the credit limit is determined according to personal assets and credit information. It doesn't mean that you won't approve more money, so the so-called good relationship with the bank and the president can help you approve large credit cards. These fees are also lies used to manage banks. Most people can figure it out after thinking. How much can I pay by credit card, 200 yuan at most? You don't want to pay anymore. Let's not say that credit card approval is not in the charge of the president, he is in charge as the president. For your petty profit of 200 yuan, you violated the regulations of the China Banking Regulatory Commission and risked being fired to get you a credit card?
Deception 2: This kind of deception often deceives those who have just entered the society and want to start their own business without any assets. Nowadays, it is so difficult for relatives and friends to borrow money. Why should a loan company that has nothing to do with you lend you money? Do you really think that if you don't pay back the money, find some thugs to splash gasoline at your house and brush your money, just like in Hong Kong gangster movies? This so-called unsecured company will generally describe the prospect to you in advance, and then charge you the so-called investigation fee, home visit fee, handling fee, etc. The final result is either that the so-called loan company runs away, or your qualification does not meet the company's loan requirements, but the handling fee you paid before cannot be refunded! What's more, you can get a large credit card just by going around the first move?
Deception 3 Arranged loan: This kind of deception will often deceive some people who do not meet the requirements of bank loans, and their personal credit and conditions do not meet the requirements of bank loans. This kind of deception is similar to a credit card. No matter whether your mortgaged property meets the requirements of bank loans or whether your personal credit meets the requirements of banks, we can provide loans for you through our relationship with banks and presidents. Now that you know that you don't meet the requirements of the bank, if we want to help you with the loan, you must pay some fees to manage the people in the bank. Needless to say, the final result. It's just that people go to the building or the handling fee can't be refunded! .
What are the bank financing guarantees?
1, bank fixed assets investment loan guarantee
Apply for bank fixed assets investment loans for enterprises for new construction, expansion, transformation, development and purchase of equipment. The loan guarantee period can generally exceed three years according to the actual situation of the enterprise.
2. Bank liquidity loan guarantee
It is a guarantee for enterprises to apply for bank working capital loans to meet the temporary and seasonal capital needs in production and business activities. According to the actual needs of enterprises, working capital loan guarantees can be divided into:
Temporary working capital loan guarantee: the term is generally not more than three months, which is mainly used for temporary capital needs of enterprises to purchase goods at one time or make up for other insufficient payment funds.
Short-term working capital loan guarantee: the term is generally three months to one year, which mainly provides guarantee for working capital loans for normal production and operation of enterprises.
Medium-term working capital loan guarantee: the term is generally more than one year and less than three years, mainly to provide guarantee for loans that often occupy funds in the normal production and operation of enterprises.
Working capital loan guarantee under the highest comprehensive credit: the enterprise signs a loan contract with the bank at one time and a maximum guarantee contract with the guarantee company at one time. Within the validity period stipulated in the contract, the enterprise can make multiple withdrawals, repay one by one and recover the loan funds.
3. Bank Bill Guarantee
Guarantee for discounting bank drafts (bank acceptance bills and letters of credit) under working capital. Bill discount business refers to the behavior of the holder to transfer the bill rights to the bank in order to obtain funds before the bill expires. The guarantee period is generally three to six months.
4. Bank guarantee
Guarantees provided for letter of guarantee (including performance guarantee, advance payment guarantee, payment guarantee, bid guarantee, etc.). ) issued by the enterprise in the bank.
5. Bank financing guarantee for a human resource customer.
The bank financing guarantee business of human customers includes: automobile loan guarantee business, mortgage guarantee business, personal business loan guarantee business, personal consumer credit guarantee business, etc.
What is the guarantee function of an investment guarantee company?
When making relevant economic loans, all major companies need corresponding guarantors to guarantee. At the same time, there will also be professional investment guarantee companies to guarantee, which has brought great benefits to many people. So, do you know the specific function of an investment guarantee company? For enterprises, the main functions include ensuring the realization of creditor's rights and avoiding the loss of funds. It is safer and more reliable for investors. I. Guarantee function of an investment guarantee company 1. Corporate banks have fewer types of personal loans, strict requirements for personal loans, long investigation and review period, complicated procedures and flexible types of loans for guarantee companies. By providing a guarantee to the bank, it undertakes the obligation of repayment when due, helps the borrower to borrow money from the bank, and meets the financial needs of the borrower for starting a business, buying a house and buying a car. Among many financing channels, the guarantee industry has attracted more and more attention and favor from small and medium-sized enterprises because of its unique advantages. Under the current situation in China, gradually improving the guarantee system is one of the most effective measures to solve the loan difficulties of small and medium-sized enterprises, which has a positive effect on financing of small and medium-sized enterprises. The guarantee system is still a new industry in China. It is funded by the government or enterprise legal person, and it is established to support loans for small and medium-sized enterprises or the export of domestic local products. In the bank-enterprise loan relationship, it exists as a guarantor. It signed guarantee contracts with banks and enterprises respectively, established specific economic relations, and played the following roles: the realization of secured creditor's rights. From the bank's point of view, banks are particularly cautious in handling loan business and pay attention to preventing and controlling loan risks. Because the investment guarantee company has certain guarantee funds, it has strong compensation ability and the credit rating of the guarantee institution is high. Small and medium-sized enterprises can effectively share the loan risk of banks, which is conducive to enhancing the confidence of banks in lending to small and medium-sized enterprises, thus solving the problem of difficult loans for enterprises and banks, promoting financing and effectively promoting the development of the national economy. From the enterprise's point of view, its credit rating has been improved through guarantee. In order to get credit support from banks, enterprises must accept the supervision of guarantee institutions and banks, provide reports on their operations and the use of funds to guarantee institutions, and strengthen mutual understanding; Guarantee institutions provide guarantees for enterprises, not aimless guarantees, but on the basis of strict examination and understanding of enterprises. If the enterprise conditions fail to meet the requirements, the guarantee institution will never guarantee. In order to avoid the loss of funds, the guarantee institution conducts a pre-loan review of the enterprise to grasp its operating conditions and development prospects. After the loan, we will closely monitor and strictly examine the use of enterprise funds, find problems in time, and recover funds from banks, so as to effectively avoid the loss of funds, safeguard the interests of the state and banks, and ensure the effectiveness of capital financing. As an intermediary, guarantee institutions play a bridge role. It not only builds a bridge between banks and enterprises, but also examines, supervises and handles relevant procedures on behalf of banks, actively and effectively serves banks and enterprises, so that they have more manpower, financial resources and time to develop other businesses, thus effectively promoting their development. It can be seen that the establishment of the guarantee system enables small and medium-sized enterprises to have a stable and reliable credit system, which is conducive to solving the problem of difficult loans for small and medium-sized enterprises to a certain extent and helping them alleviate the financial pressure. At the same time, it can help banks achieve the overall business objectives according to the "three characteristics" management principle of loans, and make bank loans safer and more effective. [1] 2. Investor investment guarantee is a popular investment choice. Compared with other types of investment, it has the following specific benefits: safety and reliability: the investment principal will be guaranteed. Guarantee growth: Fixed interest rate investment guarantee can guarantee the interest earned and accurately predict the total investment value due. Superior interest rate: Investment guarantee provides highly competitive interest rate. Flexible term: Different types of investment protection have different options. You can choose the term that suits you best, from one day to five years, seven years, or 10 years. Flexible payment: Some investment guarantees can choose how to charge interest, such as monthly, annual, or when it expires. Second, what is an investment guarantee company? A guarantee company is a professional organization that undertakes the credit guarantee function of individuals or small and medium-sized enterprises. By lending its own credit resources, guarantee companies can prevent and control credit risks and obtain economic and social benefits. Investment guarantee company is an intermediary company that provides financing guarantee for small and medium-sized enterprises to earn profit difference. * * * There are three kinds: small, medium and large. There are only two kinds of private financing enterprises in China: guarantee companies and pawn shops. Credit guarantee for small and medium-sized enterprises refers to the behavior that the guarantee company agrees with creditors such as banks that when the guaranteed small and medium-sized enterprises fail to perform the debts agreed in the contract, the guarantee company will assume the agreed responsibilities or perform the debts. When small and medium-sized enterprises can't provide sufficient loan guarantee, the guarantee company, as a third party, bears certain risks and responsibilities, and bridges the gap between small and medium-sized enterprises and commercial banks through standardized operation, thus guiding social funds, especially bank funds, to flow smoothly to small and medium-sized enterprises. From a macro point of view, credit guarantee can reduce the risk of creditor's rights and strengthen the role of creditor's rights, thus playing an important role in standardizing the order of credit transactions, strengthening the security of credit transactions, maintaining the stability of social and economic relations, and promoting the orderly development of market economy environment. However, from the microscopic point of view, the essence of credit guarantee is the process that banks transfer the loan risks of SMEs to guarantee companies, and guarantee companies resolve the risks with their own risk management capabilities. To sum up, investment guarantee companies that invest by way of guarantee are very good choices for many people. At the same time, during the guarantee period, it can not only effectively improve the financing efficiency of enterprises, but also better avoid the capital loss of enterprises. Of course, investors can also pay flexibly and provide interest rates accordingly.