1, the guarantee institution guarantees that:
(1) The borrower's application for college students' entrepreneurial loan is guaranteed by the guarantee institution, and the lender shall sign a cooperation agreement with the guarantee institution.
(2) The loan guarantee cooperation agreement signed by the bank and the guarantee institution shall specify that the guarantee promised by the loan guarantee institution to the borrower is irrevocable joint and several liability guarantee; After the loan expires, the loan that cannot be repaid shall be borne by the loan guarantee institution; The loan guarantee institution shall open a special account for the loan guarantee fund in our bank; In principle, the balance of college students' entrepreneurial loans guaranteed by it shall not exceed 5 times of the balance of the loan guarantee fund account; The loan guarantee institution shall, within a period of no more than three months from the date of receiving the guarantee responsibility of our bank, perform the repayment responsibility on its behalf.
(3) Lenders should pay attention to the compensation rate of loan guarantee funds. According to the regulations, when the loan guarantee compensation rate of the loan guarantee fund to a single handling bank reaches 20%, the guarantee institution should suspend the guarantee business, and the handling bank should also stop issuing college students' entrepreneurial loans. Lenders can apply for college students' entrepreneurship loans only after both parties take further risk control measures and report to the finance and labor security departments at the same level for approval, and the guarantee institutions resume their guarantee business.
College students' entrepreneurial loans can not be guaranteed by guarantee institutions, but can be guaranteed by natural persons or mortgaged (pledged).
2. The natural person warrants that:
(1) According to the loan amount applied, select 1-2 natural person with certain financial strength, good reputation and compensatory ability to provide guarantee, and bear joint and several liability for guarantee.
(2) A natural person with stable income, good reputation, good unit benefit, fixed residence in the local area and willing to provide guarantee for college graduates to apply for business loans can be used as a guarantor. It mainly includes: civil servants of state organs and personnel managed according to civil service standards; Full-time employees in financial, energy, post and telecommunications, communications, transportation and other institutions; Middle and senior managers in large and medium-sized enterprises; University full-time lecturers, hospital doctors, practicing lawyers, certified public accountants, registered auditors, VIP customers of our bank and target customers of personal credit loans, etc.
3. Mortgage (pledge) guarantee:
(1) Take real estate (mainly houses and commercial buildings) acceptable to the bank as collateral, or take certificates of deposit and government bonds acceptable to the bank as collateral.
(2) The owner of the mortgaged (pledged) property (including the owner of * * *) must sign the certificate of consent to the mortgage (pledge), and go through the relevant mortgage (pledge) registration procedures or the delivery procedures of the right certificate.
(3) The mortgage rate shall be implemented in accordance with the relevant provisions of the personal mortgage (pledge) revolving loan amount, and the pledge rate shall be implemented in accordance with the relevant provisions of the pledged loan.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
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