1, guarantee fee, according to the pricing of different customers with different risk levels, the bank loan guarantee fee is about 3%, and the housing enterprises can charge 4%-5% at the beginning of the year. Guarantee companies with high rating, large scale and strong strength in the capital market also participate in the capital market guarantee business, such as the guarantee of bonds and capital preservation funds, and the fees depend on the products. For non-policy guarantee companies, the average handling fee of 3% is definitely no problem.

2, capital business, that is, the investment income of the guarantee company's own funds. The letter guarantee company will select capable customers from a large number of customers to entrust them with loans, and the income is within 4 times of the benchmark interest rate, basically 20%-24%. While doing bank loan guarantee, we also do some bridge-crossing business before loan issuance. Before the Huading incident in Zhong Dan, when the supervision was relatively loose, you could also use the withdrawn reserve and the deposit you should pay to do capital business.

3. Interest income: The guarantee company needs to set aside the unearned liability reserve and guarantee compensation reserve, which are 50% of the guarantee fee income and 65,438+0% of the guarantee balance respectively. If it cooperates with banks, it also needs to deposit reserves. If you do more business, you can earn a lot of interest a year.