You can't. The government belongs to the state organs, which is fair and cannot provide guarantee for enterprises.

Legal basis:

Article 683 of the Civil Code of People's Republic of China (PRC) * * * A legal person organ may not act as a guarantor, except for loans to foreign governments or international economic organizations approved by the State Council. A legal person not for profit or an unincorporated organization for public welfare may not act as a guarantor.

What is a government financing guarantee?

Government financing guarantee refers to the guarantee companies funded by the government, which are not for profit, have specific service targets and are established to achieve government policy objectives, including small and medium-sized enterprise financing guarantee companies, export credit guarantee companies, low-income family housing guarantee companies, laid-off and unemployed guarantee companies, and agricultural guarantee companies. There are four forms of policy guarantee: the first is pure policy guarantee, the second is simple cooperation, the third is entrustment, and the fourth is investment.

Want to get the government's guarantee, the most important premise is

The owner has integrity.

Guarantee refers to the loan business that is funded by the government to set up a guarantee fund, entrust a guarantee institution to provide loan guarantee, and the handling commercial bank issues a guarantee to solve the problem of insufficient self-financing for entrepreneurs who meet certain conditions, including the start-up capital and liquidity of self-employment, self-employment or partnership organizations.

Guarantee process

(1) Application: The enterprise applies for loan guarantee.

(2) Inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee.

(3) Communication: communicate with the lending bank to further master the enterprise information provided by the bank and clarify the amount and term of the proposed loan.

(4) Guarantee: determine loan guarantee and counter-guarantee agreement, asset mortgage and registration with enterprises, sign guarantee contract with loan banks, and formally establish guarantee relationship with banks and enterprises.

(5) Lending: Banks issue loans to enterprises on the basis of reviewing loan guarantees, and at the same time charge guarantee fees to enterprises.

(6) Tracking: Tracking the loan usage and operation of enterprises, and directly tracking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.

(7) Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can prepare for repayment in advance and ensure the normal operation of the enterprise's capital flow.

(8) Dissolution: the mortgage registration is cancelled and the guarantee relationship with the bank and enterprise is cancelled with the repayment form of the enterprise bank.

(9) Record: Record the credit situation of this loan guarantee, which is divided into four grades: normal, abnormal, overdue and bad debt, so as to provide credit records for subsequent guarantees.

(10) Filing: all kinds of agreements signed with banks and enterprises, as well as vouchers after loan repayment, vouchers for cancellation of guarantee, etc., are sorted, filed and sealed for future reference.

Preferential loan policy for small and micro enterprises

In the course of operation, small and micro enterprises often have problems such as poor and broken capital chains for various reasons. To solve these problems, small and micro enterprises usually choose loans. When applying for loans, small and micro enterprises should first learn about local policies from financial institutions or relevant government departments, then see if they meet the policy requirements, and then apply for loans from designated institutions. The following are common preferential policies for small and micro enterprise loans. Guarantee: Some places support small and micro enterprises, and government departments guarantee loans for enterprises and provide loans to financial institutions. Or loans from financial institutions, guarantee companies provide guarantees, and the government subsidizes guarantee fees. Small and micro enterprises can get bank loan support in the case of insufficient collateral. Interest rate concessions: there is a kind of loan support for small and micro enterprises, which is guaranteed by financial institutions, designated guarantee institutions and subsidized by government departments. Lower the threshold for loans: Small and micro enterprises are not as qualified as large and medium-sized enterprises, and often cannot provide sufficient collateral or ideal proof of running water. Financial institutions will reduce the loan requirements for small and micro enterprises. However, such loans usually require a third-party guarantee (government or guarantee company). Speed up lending: there is usually a long approval process for corporate loans from application to lending, and some corporate loans last for three or four months. Some financial institutions provide fast-track loans for small and micro enterprises, so that enterprises can obtain funds quickly. Small and micro enterprises support loans, usually local governments introduce specific policies and cooperate with designated financial institutions to provide services for small and micro enterprise loans. Therefore, preferential policies vary from place to place, and the conditions and methods of obtaining preferential loans are also different.

Can government bail-out funds entrust loans to policy guarantee companies?

Hello, government bail-out funds can entrust loans to policy guarantee companies. A policy guarantee company refers to a guarantee company established by financial institutions or social capital organizations with the support of the government. Its main function is to provide guarantee services for small and medium-sized enterprises and individuals. Government bail-out funds can be entrusted to policy guarantee companies to support the development of small and medium-sized enterprises and individuals. Government bail-out funds can support policy guarantee companies to lend to support the development of small and medium-sized enterprises and individuals, but the amount of government bail-out funds is limited, generally not exceeding 2 million yuan. At the same time, policy guarantee companies also need to meet certain conditions in order to get the support of government bail-out funds.

The introduction of government-guaranteed enterprise loans ends here.