Mainly responsible for the guarantee business, as follows:

A guarantee company is an individual or enterprise that lends money to a bank. In order to reduce risks, banks do not lend directly to individuals, but require borrowers to find a third party (guarantee company or qualified individual) to provide credit guarantee for them. According to the requirements of the bank, the guarantee company will require the borrower to issue relevant qualification certificates for audit, and then submit the audited materials to the bank, and the bank company will charge corresponding service fees.

Second, generally speaking, personal and full-value collateral (mostly real estate) or pledge (mostly movable property) covers the risks brought by the bank's loan for you, and the amount of collateral or pledge is about 2 times. If individuals and small businesses can't provide the above mortgage, pledge or guarantee, they need to ask the guarantee company for help. After the guarantee company determines your individual capital, it will provide a loan if it thinks it is ok.

Third, in order to collect the total loan amount, the guarantee company must open a margin account in the bank that provides the loan and deposit a certain percentage of the margin. The maximum amount that can be guaranteed is times, and the enterprise loan is 6 times of the total deposit.

1. Generally speaking, a guarantee company is a loan intermediary. When an individual or enterprise lends money to a bank, in order to reduce the risk, the bank does not directly lend money to a third party (guarantee company or qualified individual) for its requirements. The borrower issues relevant qualification certificates for review, and then submits the reviewed materials to the bank, which rechecks the loan, and the guarantee company charges corresponding service fees.

2. Providing loans, financing lease loan guarantees, personal business loan guarantees, automobile consumption credit guarantees, project investment, financing management, etc. For small and medium enterprises.

Second, what is a financing guarantee?

Loan guarantee is a third-party guarantee provided by guarantee institutions for lenders (financial institutions) and borrowers (mainly industrial and commercial enterprises and natural persons). The guarantee institution guarantees that when the borrower fails to repay the principal and interest within the time limit stipulated in the loan contract, it is responsible for paying the outstanding principal and interest payable by the borrower. The loan guarantee contract takes effect when the borrower receives the loan, and becomes invalid after the borrower or guarantor repays the principal and interest. Loan guarantee is the main business of credit guarantee institutions. Its main purpose is to alleviate the financing difficulties of enterprises, disperse the risks that may arise from bank lending and enterprise financing, and play a role in ensuring the safety of credit loans and promoting the development of enterprises.

Simply put, if someone wants to borrow money, you can assure the creditor that the other party has the ability to repay it. If the other party doesn't return it later, you can return it. Therefore, when making financing guarantee, please be careful to ensure the operating conditions and foreseeable development prospects of the other company. I hope the answer will help you.

3. What does the proposed financing guarantee mean?

The proposed financing guarantee means to form an intermediary form with the capital demander by accessing the bank, which helps the capital demander to provide credit guarantee, reduces the difficulty of borrowing, and also helps the capital lender to reduce the risk.

Financing guarantee is both financial and intermediary, and it belongs to a special financial intermediary service. Financing guarantee needs to be tied up with the demand side of funds, and the credit of funds is used to provide financing guarantee services for both borrowers and borrowers to promote the completion of transactions between the two parties.

4. What is the so-called financing guarantee loan? What operation?

Generally speaking, it refers to the enterprise liquidity loan guarantee. To put it simply, the conditions of the enterprise are not mature enough, and the credit collateral is insufficient, so it is impossible to directly finance from the bank, so the loan is intervened by the third party of the guarantee company. Banks pass on risks, and guarantee companies charge guarantee fees. Each guarantee company has different regulations and operation modes, and its demand is also different!