1. Where does the guarantee company get the money to lend?
Enterprise name: China-funded CDB International Investment Co., Ltd.
Registration number: 110000000733095
Enterprise type: Domestic investment
Business scope: Project investment; investment management; investment consulting; financial consulting; business management consulting.
Name of natural person shareholder: Zhang Ruilin, Huo Lihua, Wang Xia, Zhang Lubin, Li Fei, Pang Zhenhuang, next year Zhao Chen
Legal person shareholder: None
Registered address: Chaoyang District, Beijing No. 12, 15th Floor, Anhua Building, No. 35 Anding Road
Business address: 3rd floor, Xinyi Building, No. 1 Andingmenwai Street, Chaoyang District, Beijing
General Manager: Zhang Lubin, 50 years old, Beijing native
According to the investigation, Zhang Lubin is the former chairman of Beijing Nuodiya Food Co., Ltd., who is engaged in the "dinosaur egg" business, but has no resources in the financial/investment field. Later, Zhang began to serve as the general manager of a certain guarantee company (according to the investigation, the guarantee company was a shell company) and was fully responsible for (contracting) all the internal and external affairs of the company. However, because Zhang has no bank or corporate resources in the local financial field, and all the resources he claimed to have before taking over the guarantee company came from the Internet, Zhang contracted the company for more than half a year without completing a single business, and the intermediary business also failed. There are other guarantee companies and banks willing to cooperate with it.
It is said that Zhang made no achievements when he was a guarantee company. Later, Zhang joined [Chinese-funded China National Bank of China] by changing shareholders (it was found that this company was also a shell company). The basic information of the company is as above, and all employees are still the same and the resources are still from the above sources.
It was found that when Zhang was solely responsible for guaranteeing the company, he defaulted on employees’ wages and social security due to poor business, and was blacklisted by the local social security inspection brigade for unpaid enterprises!
2. Where does the guarantee company get the money to lend?
Guarantee companies mainly collect idle funds from society, put them into the guarantee company, and then lend them to those in need, charging high interest rates. The more popular guarantee companies are home mortgage loans. As housing prices soar, private property values ??increase day by day, creating spending power for the public. People with stable income can obtain stable financial support through professional credit companies for consumption or personal business development. With the popularity of private cars, car mortgage loan services have gradually become a target for small and micro business owners, individual merchants, and entrepreneurs with short-term needs. Loans: 1. Personal small mortgage loans, mainly using deposit certificates as collateral, not exceeding 95% of the face value of the deposit certificates. 2. Personal housing loans: personal commercial loans; personal provident fund loans; personal portfolio loans. 3. Personal car consumption loans 4. Personal durable consumer goods loans 5. Personal consumption loans 6. Personal small credit loans 7. Car mortgage loans Car mortgage loans are increasingly popular among small business owners with short-term micro loans. Among them, Yichedai is a short-term mortgage loan service launched by CreditEase, the largest P2P loan service platform in China. Customers use the ownership of their own vehicles as collateral to obtain funds, providing convenience for individuals with short-term or financing needs. , fast financing channels. The GPS-type mortgage loan service launched by Yichedai allows customers to continue to use the vehicle after completing the mortgage procedures: no need to pledge the vehicle and can drive freely; the procedure is simple and the money is received on the same day; the loan period can be freely selected, and the repayment method is free and flexible.
3. Where does the guarantee company get the money to lend?
Guarantee companies do not lend, and the amount they can guarantee is generally 10-20 times more than the registered capital.
4. Can the money from investment guarantee companies be used for loans? Do you need a mortgage?
No, a guarantee company can use it