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1. What are the main support targets of the guarantee company?

Give priority to projects whose products, markets and development prospects are in line with national and provincial industrial policies, especially potential products, scientific and technological products and environmental protection products in our province;

Famous, excellent, special and new products in short supply in the market;

Projects with good market and economic benefits, enterprises with good reputation and strong repayment ability;

Expand urban and rural employment, absorb more labor, increase fiscal revenue and other projects.

2. What conditions does the enterprise applying for guarantee need to meet?

Small and medium-sized enterprises (regardless of ownership and enterprise type) that have been approved and registered by the administrative department for industry and commerce, are self-financing, have legal personality, and have opened accounts in relevant state commercial banks and other legally established financial institutions; Having registered capital meeting the statutory requirements, necessary working capital, legal operation, good credit standing, high management level and good economic benefits; Small and medium-sized enterprises with reasonable asset-liability ratio, sustainable profitability and solvency, and able to provide effective and reliable counter-guarantee measures in accordance with regulations.

3. What is the process of guarantee business?

(1) Guarantee application

(2) Preliminary examination of the guarantee

(3) Xiangxi Review

(4) Guarantee approval

(5) Sign a contract

(6) granting loans

(7) Formal guarantee

(8) Tracking management

(9) Termination of guarantee

4. How can an enterprise apply for a guarantee?

When an enterprise applies for guarantee, it is required to fill in the Application for Credit Guarantee Project of Small and Medium-sized Enterprises in Shanxi Province (note: link), and at the same time, it shall provide the following documents and materials to ensure their authenticity:

(1) business license (copy)

*(2) Capital Verification Report

*(3) The current (quarterly and monthly) financial statements and the financial statements of the last two years (with audit reports) verified by legal intermediaries, mainly including balance sheet, income statement and cash flow statement.

*(4) loan certificate

*(5) Credit certificate

* (6) Articles of Association of the enterprise

*(7) Certificate of legal representative (power of attorney) and ID card of legal representative (or client)

*(8) the feasibility study report of the project and the approval of the competent department;

(nine) the relevant certification materials of the enterprise or project.

(10) Counter-guarantee related information (attached)

note:

(1) The materials marked with * shall be provided with original copies for inspection.

(2) Materials with # should provide at least one of them.

(3) The information provided shall be stamped with the official seal of the unit.

(4) Authorization by the legal representative requires the signature of the legal representative.

(5) The legal representative certificate (power of attorney) is valid for half a year.

5. What are the conditions for accepting the guarantee?

(1) The accumulative insured amount shall not exceed10% of the company's net assets;

(2) The amount of guarantee applied for shall not exceed 70% of the effective net assets of the enterprise;

note:

Effective net assets refer to the deduction of bad debts, deferred expenses, intangible assets and deferred assets from inventories and accounts receivable.

(3) The effective net assets of the enterprise shall not be less than RMB 6,543,800+0,000;

(4) The asset-liability ratio of the enterprise shall not exceed 70%. 6. What are the types of guarantee fees and how to calculate them? How about the payment method?

The guarantee fee includes examination fee and guarantee fee. All projects that have been carefully reviewed are charged a review fee;

Charge a guarantee fee for the guarantee project. Charge standard:

(1) The examination fee is 3‰ of the amount of the guarantee application, and the amount less than 3,000 yuan will be collected in advance, and the project terminated after careful examination in the early stage will be charged at 1000 yuan.

(2) The guarantee fee is based on the guarantee amount and charged according to the guarantee rate (monthly rate). Guarantee fee = guarantee amount × guarantee time (month) × monthly guarantee rate = monthly benchmark rate × risk coefficient × line coefficient, where the monthly benchmark rate is set as 1.5‰, and the risk coefficient and line coefficient are shown in the following table: (Table of rate coefficients) Basic risk assessment value ≤ 0.30 ≤ 0.40 ≤ 0.50 ≤ 0.60 or more. 1.6 1.8 2.0 The guarantee amount is less than 3 million (including 3 million), 3 million to 5 million (including 5 million), 5 million to100000 (including100000), and the credit coefficient is/kloc-

7. How to calculate the mortgage rate of counter-guarantee mortgage?

With real estate mortgage, the mortgage rate (calculated by net value) is not higher than 70%;

Building mortgage, the mortgage rate (calculated by real estate price) is not higher than 70%;

Mortgaged by transferable movable property (calculated by net value) is not higher than 50%;

Equity, bonds and business license plates are pledged, and the pledge rate (calculated by investment amount, bond face value and purchase price respectively) is not higher than 70%. 8. How to collect the enterprise's deposit?

As an additional condition of the guarantee measures, the deposit shall be paid in advance at 10% of the guarantee amount in principle, which shall be determined through consultation between the company and the guaranteed enterprise and specified in the guarantee agreement.

9. What are the credit evaluation indicators and methods?

Project score project score project score project score

1. Enterprise quality and its potential12 (1) =100% 5 (6) ≥ 8 million yuan10/,management quality 4 (2) ≥ 90% 4 (7) ≥ 5000. ≥ 70% 2 (9 main leadership qualities 3 (6) < 60% 0( 11) <1ten thousand yuan 0 (1) Good 3. The enterprise benefit level is 20 2, and the asset-liability ratio is 1 65438+2. Return on assets10 (1) ≤ 30%13 (3) ≥ 0 (1) ≥10%/kloc-0 (2) ≤ 40%/kloc-0. ≥6% 6 (4) The current ratio is 5 (1), good 3 (1) ≥ 20%, 10 (1) ≥ 200%, and 2 (2) ≥16%. The enterprise's credit standing is 25 (4) ≥ 8% 4 (4) ≥130% 21,and the repayment rate of mature loans is 20 (5) ≥ 4% 2 (5) ≥100%1(/kloc-0 Quick ratio 5 (3) 0% 2 (7) < 50% 0 (4) ≥ 20 million yuan 14 (5)≥20% 1 2, contingent liability repayment rate 5 (5) ≥100000 yuan/kloc-0.

In any of the following circumstances, the company shall voluntarily surrender:

(1) The funds were not actually used according to the purpose when the loan guarantee was declared;

(2) The company determines that there are major business mistakes or potential risks in the market and financial situation of the project undertaking enterprise;

(three) or the level of technological competition of enterprises has declined;

(four) the project undertaking enterprise provides false information or practices fraud;

(5) The project failed to reach the preliminary forecast target for two consecutive years.

12. Is the guarantee contract valid if the bank refuses to lend money?

The guarantee contract is a subsidiary contract of the main contract. The main contract is invalid, and the guarantee contract is invalid. If there are other provisions in the guarantee contract, such provisions shall prevail. If the debtor, guarantor and creditor are at fault after the guaranty contract is confirmed to be invalid, they shall bear corresponding civil liabilities according to their faults.

13. Is the guarantee contract valid if the bank refuses to lend money?

2002-11-12 The guarantee contract is a subsidiary contract of the main contract, and the main contract is invalid, and the guarantee contract is invalid. If there are other provisions in the guarantee contract, such provisions shall prevail. If the debtor, guarantor and creditor are at fault after the guaranty contract is confirmed to be invalid, they shall bear corresponding civil liabilities according to their faults.

14. Who can be the guarantor?

Legal persons, other organizations or citizens who have the ability to pay off debts on their behalf may act as guarantors.

15. Who can't be a guarantor?

State organs may not act as guarantors, except those who use loans from foreign governments or international economic organizations for lending with the approval of the State Council. Schools, kindergartens, hospitals and other public welfare institutions and social organizations shall not be used as guarantors. Branches and functional departments of an enterprise as a legal person shall not act as guarantors. If the branch of an enterprise as a legal person has written authorization from the legal person, it may provide guarantee within the scope of authorization. 17. What is a guarantee contract?

16. What is a guarantee contract?

A guarantee contract refers to a written agreement reached between a guarantor and a creditor, in which the guarantor performs the debt or assumes the responsibility according to the agreement when the debtor fails to perform the debt. A guarantor and a creditor may conclude a guarantee contract separately for a single main contract, or they may agree to conclude a guarantee contract for a loan contract or a commodity trading contract that occurs continuously within a certain period of time within the maximum amount of creditor's rights.

17. What should be included in the guarantee contract?

(1) The type and amount of the secured principal creditor's rights;

(2) The time limit for the debtor to perform the debt;

(3) the method of guarantee;

(4) the scope of guarantee;

(5) Guarantee period;

(six) other matters that both parties think need to be agreed. If the guarantee contract does not fully comply with the provisions of the preceding paragraph, it may be supplemented.

18. What are the ways to guarantee it?

(1) general guarantee; If the parties agree in the suretyship contract that the surety shall bear the suretyship liability when the debtor fails to perform the debt, it is a general suretyship. The guarantor of a general guarantee may refuse to undertake the guarantee liability to the creditor before the main contract dispute has been tried or arbitrated and the debtor's property has been enforced according to law. Under any of the following circumstances, the guarantor shall not exercise the rights specified in the preceding paragraph:

(1) The debtor's domicile changes, and it is difficult for the creditor to ask him to perform the debt;

(2) The people's court accepts the bankruptcy case of the debtor and suspends the execution procedure;

(3) The guarantor waives the rights stipulated in the preceding paragraph in writing.

(2) Joint and several liability guarantee. If the parties agree in the guarantee contract that the guarantor and the debtor shall be jointly and severally liable for the debt, it is a joint liability guarantee. If the debtor of joint and several liability guarantee fails to perform the debt at the expiration of the debt performance period agreed in the main contract, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee.

19. What are the safeguard responsibilities?

The scope of guarantee includes the principal creditor's rights and interest, liquidated damages, damages and expenses for realizing creditor's rights. If there are other provisions in the guarantee contract, such provisions shall prevail. Where the parties have not agreed on the scope of guarantee or the agreement is unclear, the guarantor shall be liable for all debts.

20. How long is the general warranty?

Where the guarantor of a general guarantee and the creditor have not agreed on the guarantee period, the guarantee period shall be six months from the expiration of the performance period of the principal debt. If the creditor fails to bring a lawsuit or apply for arbitration to the debtor during the guarantee period stipulated in the contract and the guarantee period stipulated in the preceding paragraph, the guarantor shall be exempted from the guarantee liability; If the creditor has filed a lawsuit or applied for arbitration, the provisions on interruption of limitation of action shall apply during the guarantee period.

2 1. How long is the joint liability guarantee?

If the guarantor of joint and several liability guarantee and the creditor have not agreed on the guarantee period, the creditor has the right to require the guarantor to assume the guarantee responsibility within six months from the date of expiration of the independent debt performance period. If the creditor fails to require the guarantor to assume the guarantee responsibility during the guarantee period agreed in the contract and the guarantee period stipulated in the preceding paragraph, the guarantor shall be exempted from the guarantee responsibility.

22. What should be included in the mortgage contract?

(1) The type and amount of the secured principal creditor's rights;

(2) The time limit for the debtor to perform the debt;

(3) Name, quantity, quality, condition, location, ownership or right to use the mortgaged property;

(4) The scope of mortgage guarantee;

(five) other matters that the parties think need to be agreed. If the mortgage contract does not fully comply with the provisions of the preceding paragraph, it may be supplemented.

23. What documents or their copies should be provided to the registration department for mortgage registration?

(a) the main contract and mortgage contract;

(2) Proof of ownership or right to use the mortgaged property.

24. What is a mortgage loan?

Mortgage means that the debtor or the third party does not transfer the possession of the property and takes the property as the guarantee of the creditor's right. When the debtor fails to perform the debt, the creditor has the right to discount the property or give priority to compensation with the price of auction or sale of the property in accordance with the provisions of the security law.

25. What are mortgagor, mortgagee and collateral?

The debtor or the third party is the mortgagor, the creditor is the mortgagee, and the property provided as guarantee is the collateral.

26. What property can be mortgaged?

(1) Houses and other things fixed on the ground owned by the mortgagor;

(2) Machines, means of transport and other property owned by the mortgagor;

(three) the right to use state-owned land, houses and other fixed objects on the ground that the mortgagor has the right to dispose of according to law;

(4) State-owned machinery, vehicles and other property that the mortgagor has the right to dispose of according to law;

(five) the land use right of barren hills, gullies, hills and beaches contracted by the mortgagor according to law and mortgaged with the consent of the employer;

(six) other property that can be mortgaged according to law. The mortgagor may mortgage the property listed in the preceding paragraph together.

27. What property can't be mortgaged?

(1) Land ownership;

(2) The right to use collectively-owned land, such as cultivated land, homestead, private plots and private hills, except as stipulated in Item (5) of Article 34 and Paragraph 3 of Article 36 of the Security Law;

(3) Educational facilities, medical and health facilities and other public welfare facilities of schools, kindergartens, hospitals and other institutions and social organizations;

(4) Property whose ownership and use right are unknown or controversial;

(5) Property that has been sealed up, detained or supervised according to law;

(six) other property that may not be mortgaged according to law.

28. If the same property is mortgaged to more than two creditors, how to pay off the proceeds from auction and sale of the mortgaged property?

(1) If the mortgage contract becomes effective after registration, it shall be paid off in the order of mortgage registration; In the same order, it shall be paid off according to the proportion of creditor's rights;

(2) The mortgage contract shall take effect from the date of signing, and if the mortgaged property has been registered, it shall be paid off in accordance with the provisions in Item (1) of this article; If it is not registered, it shall be paid in the order of the effective time of the contract, and if it is in the same order, it shall be paid in proportion to the creditor's rights. The registered collateral should be paid before the unregistered collateral.

29. If the same property is mortgaged to more than two creditors, how to pay off the proceeds from auction and sale of the mortgaged property?

(1) If the mortgage contract becomes effective after registration, it shall be paid off in the order of mortgage registration; In the same order, it shall be paid off according to the proportion of creditor's rights;

(2) The mortgage contract shall take effect from the date of signing, and if the mortgaged property has been registered, it shall be paid off in accordance with the provisions in Item (1) of this article; If it is not registered, it shall be paid in the order of the effective time of the contract, and if it is in the same order, it shall be paid in proportion to the creditor's rights. The registered collateral should be paid before the unregistered collateral.

30. What is pledge? What kinds are there?

Pledge includes chattel pledge and right pledge. Chattel pledge means that the debtor or the third party transfers his chattel to the creditor for possession, and takes it as the guarantee of creditor's rights. When the debtor fails to perform the debt, the creditor has the right to discount the debt or give priority to compensation with the price of auction or sale of the movable property in accordance with the provisions of this law. The debtor or the third party is the pledger, the creditor is the pledgee, and the transferred movable property is the pledge. Pledge of rights means (1) transferring bills of exchange, checks, promissory notes, bonds, certificates of deposit, warehouse receipts and bills of lading; (2) Shares and stocks that can be transferred according to law; (3) Trademark exclusive right, patent right and property right in copyright that can be transferred according to law; (four) other rights that can be pledged according to law are pledged to creditors.

3 1. What does the pledge contract include?

(1) The type and amount of the secured principal creditor's rights;

(2) The time limit for the debtor to perform the debt;

(3) The name, quantity, quality and condition of the pledge;

(4) The scope of pledge guarantee;

(5) The time of transfer of the pledge;

(six) other matters that the parties think need to be agreed. If the pledge contract does not fully comply with the provisions of the preceding paragraph, it may be supplemented.

32. What are the scope of pledge guarantee?

The scope of pledge guarantee includes the principal creditor's rights and interest, liquidated damages, damages, storage expenses of pledged goods and expenses for realizing pledge. Unless otherwise agreed in the pledge contract, such agreement shall prevail.

33. How to deal with the price of the pledge after auction?

After the pledged property is discounted, auctioned or sold, the part of the price exceeding the amount of creditor's rights belongs to the pledgor, and the insufficient part is paid off by the debtor.

34. What are movable and immovable property?

Real estate refers to land, houses, trees and other things fixed on the ground. Chattel refers to something other than real estate.

35. What is a contract?

A contract is an agreement between natural persons, legal persons and other organizations with equal subjects to establish, change and terminate the relationship of civil rights and obligations.

36. What is an auction?

Auction refers to the way of buying and selling specific goods or property rights to the highest bidder in the form of public bidding.

37. What is an auctioneer?

An auctioneer refers to an enterprise legal person engaged in auction activities established in accordance with the Auction Law of People's Republic of China (PRC) and the Company Law of People's Republic of China (PRC).

38. What is the auction target?

The auction target refers to the articles or property rights owned by the client or which can be disposed of or entrusted to the auctioneer according to law.

39. What is an auction customer?

The trustor refers to a citizen, legal person or other organization that entrusts an auctioneer to auction goods or property rights.

40. What is a bidder?

Bidders refer to citizens, legal persons or other organizations that participate in the bidding of auction targets.

4 1. What is the buyer?

The buyer refers to the bidder who buys the auction target at the highest bid price.

42. What is the auction procedure?

Auction entrustment; Auction announcement and display; Implementation of the auction.

43. What should be included in the auction contract?

An auction contract shall specify the following items:

(1) Names and domiciles of the trustor and auctioneer.

(2) The name, specifications, quantity and quality of the auction target;

(3) The reserve price proposed by the client;

(4) Time and place of auction;

(five) the time and method of delivery or transfer of the auction target;

(6) Commission, payment method and time limit;

(seven) payment method and time limit;

(8) Liability for breach of contract;

(9) Other matters agreed by both parties.

44. How to handle the mortgage formalities of real estate?

First of all, with real estate as the guarantee of debt, both parties to the mortgage must sign a written real estate mortgage contract, which should be standardized. (1) Names and domiciles of the mortgagor and mortgagee; (2) The type and amount of principal creditor's rights; (three) the location, name, condition, construction area and land area of the mortgaged real estate; ④ The value of mortgaged real estate; ⑤ Occupation manager, occupation management mode, occupation management responsibility and responsibility for accidental damage and loss of mortgaged real estate; ⑥ mortgage term; ⑦ Conditions for the loss of mortgage; 8. Liability for breach of contract; Pet-name ruby dispute resolution; Attending the time and place when the mortgage contract is concluded; ⑾ Other matters agreed by both parties. Secondly, we must apply for mortgage registration. That is, the mortgage parties shall, within 30 days from the date of signing the real estate mortgage contract, go to the real estate management department where the real estate is located to handle the real estate mortgage registration. When handling mortgage registration, the following documents shall be submitted to the registration authority: (1) the identity certificate or legal person qualification certificate of the mortgage party; (2) An application for mortgage registration; Mortgage contract; (3) State-owned land use right certificate, house ownership certificate or real estate certificate. Some houses also need to submit proof of * * * agreeing to mortgage, such as house ownership certificate; (4) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage; 5] Information that can prove the value of mortgaged real estate; (6) Other documents deemed necessary by the registration authority. After examination, if the ownership is clear, the certification materials are complete and meet the mortgage conditions, the registration authority shall handle the mortgage registration. The real estate mortgage contract shall take effect from the date of mortgage registration and shall be protected by law. Without mortgage registration, the mortgage contract is invalid and the mortgage right is not established. 46. What are the ways of counter-guarantee? What are the procedures? Serial number, method, type and scheme remarks B- 1 Guarantee the third party to sign the guarantee counter-guarantee contract B-2 individuals (shareholders, legal representatives or other managers) (1) Same as above (2) The property owner of the counter-guarantee guarantor agrees to D- 1 Mortgaged real estate (1) Same as above (1)-(4) Z- 1 Pledge the shares of a limited liability company (1) More than half of the shareholders of the company agree and make a resolution of the shareholders' meeting (2) Sign a pledge counter-guarantee contract (3) put it on the register of shareholders (4) notarize the Z-3 certificates of deposit and bonds of the shares of Z-2 limited liability company. Appraisal of pledged property of Z-4 movable property (1); (2) Insuring property insurance; (3) Signing pledge counter-guarantee contract; (4) Transferring trademark right and property right in patent right of pledged property Z-5; (1) Appraisal of pledged object; (2) Signing pledge counter-guarantee contract; (3) Registration; (4) Delivery of relevant ownership certificate Z-6. Q-3 financial monitoring is based on the agreement between the two parties. Q-4 Securities account supervision (1) signed a securities account supervision agreement with the securities firm. (2) issue a power of attorney. (3) Deliver the fund account card. 45. What are the preliminary projects?

The preliminary contents of the project mainly include: (1) basic information of the enterprise.

(2) Basic information of the project

(3) Technical analysis of the project and subsequent products

(four) the financial situation of the enterprise

(5) Market forecast and sales analysis

(6) Enterprise funds and repayment sources

(7) Safety guarantee measures

(8) Basic risk assessment

(9) Other issues that need to be explained.

(10) conclusion