I copied a copy online, please refer to it

Introduction to Shanghai Zhongcai Guarantee Company Company background: Shanghai Zhongcai Guarantee Co., Ltd. is a joint venture between Zhejiang Zhongcai Investment Group Co., Ltd. and Shanghai Zhongcai Industrial Development Co., Ltd. The company and Zhejiang Zhongcai Guarantee Co., Ltd. jointly invested 50 million yuan. It was a private guarantee company formally established in November 2001 after being approved and registered by the Shanghai Administration for Industry and Commerce. Organizational structure: The company has a complete organizational structure, including a general manager's office, a business department, an evaluation department, a legal advisory office, and a financial department. A complete set of business rules management system, internal risk control system and guarantee business operating procedures have been established. The employees in the company's business department all have long-term financial work backgrounds and rich experience in credit work. Business scope: Provide guarantee services, technical consulting services, economic information consulting services, and asset management for enterprises and individuals (the above business scope excludes special approval projects). Types of guarantee: Bank loan guarantee: working capital loan guarantee, bill discount guarantee, trade loan guarantee, letter of credit issuance guarantee; personal consumption loan guarantee, study abroad loan guarantee, housing decoration loan guarantee, second-hand house period guarantee, CDMA mobile phone consumer loan guarantee etc.; contract guarantees and guarantees: project bidding guarantees, performance guarantees, advance payment guarantees, lease guarantees, settlement guarantees, etc.; commercial guarantees and guarantees: litigation preservation guarantees, etc. Service objects: Shanghai's small and medium-sized enterprises of various ownerships and individual industrial and commercial households, companies in Shanghai and Zhejiang, especially small and medium-sized enterprises that are high-tech innovative, professional supporting, have a certain growth period and have great development potential; have certain assets or stable income The natural person of origin. Guarantee conditions: Guarantee conditions for individual customers: ⑴ Clear personal identity, with legal residence and business premises; ⑵ Good personal credit, no record of bad behavior; ⑶ The purpose of borrowing meets the requirements of bank credit investment; ⑷ Have stable and legal high annual income Source; ⑸ Be a self-employed person with more than 3 years of business experience and outstanding business performance; ⑹ The counter-guarantee method must be a mortgage of real estate or ownership (property), with clear, clean and sufficient property rights. Guarantee conditions for corporate customers: ⑴ The nature of the company is privately owned, joint venture or joint-stock; ⑵ Registered in accordance with the law and passed the annual inspection by the industrial and commercial department; ⑶ Those operating in special industries must obtain a business license; ⑷ The legal representative, general manager and financial department are responsible Everyone's personal credit record is good; ⑸ The company's bank credit record is good, and there is no bad default on bank loans; ⑹ It has a certain operating period and good operating performance: a production company, about 5 years; a commercial company, about 3 years; a high-tech company Company or project, more than 2 years; ⑺The corporate credit rating is rated as BB or above, and the short-term debt repayment ability is strong; ⑻The purpose of the borrowing complies with national policies and bank credit investment requirements; ⑼The company's financial management is standardized and the financial records are true; ⑽The above Loans in the name of individuals used for company operations are classified as corporate customers. Guarantee procedures: Application for registration - Acceptance investigation - Comprehensive review - Meeting review - Contract signing - Mortgage registration - Loan granting Business purpose: Adhering to the service concept of "honesty, seriousness and humility", on the premise of effectively controlling risks Under the current situation, relying on China Finance Group's industrial, futures economics, import and export trade, and nationwide sales network resources to provide customers with unique guarantee services, solve customer financing difficulties, and seek mutual development and long-term cooperation.