UNPROFOR is a "partnership enterprise", and its members take all their net worth as the performance responsibility of UNPROFOR and bear the risks. The mutual aid fund is a "limited liability company". The members take risks for the performance responsibility of the mutual aid fund within the limit of the subscription amount, and block the chain reaction of guarantee, so that the moral hazard of other members' adverse selection will not be caused because one borrower "runs away".

Banks actively participate in fund management, guide and supervise the operation of funds, and the risks are under our management.

The risk reserve (guarantee fee) is low and can be returned under certain conditions, and the final benefit is still enjoyed by members.

The interest rate advantage is 0.6- 1.2% lower than the interest rate of the joint guarantee loan.

The limit is high, the maximum cash can reach 5 million, and the invoice can reach 7 1.4 million, which is greater than the joint guarantee limit.

It is convenient to pick up the goods, and it is not limited by the deposit, how much money to borrow and how much goods to lift, while the small three parties can only pick up the goods according to the deposit paid to the bank.