Main guarantee products

Loans (financing) guarantee

Loan guarantee is guarantee agencies for lenders (institutions) and the borrower (mainly industry and commerce enterprises and natural person) provide third party guarantee. Guarantee agencies in the borrower that did not press loan contract prescribed time servicing, responsible for pay the borrower cope without paying the principal and interest of the. Loan guarantee contract in the borrower receiving the loan of the become effective, the borrower or the guarantor to repay the principal and interest failure. Loan guarantee is guarantee agencies for lenders (institutions) and the borrower (mainly industry and commerce enterprises and natural person) provide third party guarantee. Guarantee agencies in the borrower that did not press loan contract prescribed time servicing, responsible for pay the borrower cope without paying the principal and interest of the. Loan guarantee contract in the borrower receiving the loan of the become effective, the borrower or the guarantor to repay the principal and interest failure. Loan guarantee is the main business of credit guarantee agencies, the goal is to alleviate the enterprise financing difficulties, scattered bank lending, enterprises financing possible risk, rise to ensure that credit loans safety and promote enterprise development role. The main form of loan guarantees: 1, the floating capital loan guarantees. Working capital loans is to solve the enterprise in the production and business operation process flow and extending loan insufficient funds. The loan is characteristic of the loan time limit short (within one year), working capital is stronger, the financing cost is low, the customer is the most frequent use of loans. For working capital loans guarantee called the liquidity loan guarantees. 2, fixed assets loan guarantees. Enterprise purchase machine equipment, technology innovation, building a house purchase, real estate development, investment in capital construction need money, applies to the bank for loans offered guarantee. 3, bank bills discounting guarantee: is the enterprise (holder) in commercial draft did not expire before, in order to get funds, TieFu certain interest will bill right transfer to the bank provide the guarantee. Main have bank acceptance of draft discount guarantee, business acceptance of draft discount guarantee, etc. 4, personal consumption loan guarantees: is a stable career and economic income, credit is good, have to repay the loan principal and interest ability, natural person having a complete civil used to buy consumer products or used for education, tourism and other personal consumption loan to the bank for the proposed offer assure. Main have personal housing mortgages loan guarantees, auto loan guarantees, a personal housing decorate loan guarantee, big durable consumer goods loan guarantee, personal expenditure spent loan guarantees. 5, personal business loan guarantees: is individual and industrial and commercial door or a sole proprietorship enterprise in the production, management turnover needs to bank loans for provided as security when.

Small and medium-sized enterprise credit guarantee the significance of establishment

Effective to solve small and medium-sized enterprise financing the cost

Credit guarantee system set up after, small and medium-sized enterprise financing cost is the bank of loan interest plus a certain amount of handling fee, far less than the cost of raising money from the folk, and to reduce the financing cost of small and medium-sized enterprises.

Can reduce the cost of management and business bank risk

The existence of the credit guarantee agencies for small and medium-sized enterprises can simplify the bank loan program, reduce the management cost. And because the credit guarantee institutions able to deal effectively with the bank solvency crisis, reduce the Banks' bad loans, so can stimulate the bank to open up new credit business.

Credit guarantee system has the function of the economic lever

And general enterprises and institutions of the professional guarantee compare, due to overcome the spontaneity, scattered shortcomings, such as sex, credit guarantee system, with the system can be studied the specific target, according to their own strength and credibility for many times the assets of the security liability, so this kind of credit guarantee has the function of magnification, in social resource allocation process, can play economic leverage, become the government regulation of the development of small and medium-sized enterprises effectively

Editor this period of credit guarantee defects

From the political economics level, the Chinese small and medium-sized enterprise credit guarantee system currently in structure, operation and function existence triple defects. Structural defects is to point to the financial guarantee in ZF dominant position, type of business folk capital guarantee and mutual aid guarantee the share is very low. Business defects is mainly embodied in the lack of four aspects, namely fund compensation mechanism and diversification mechanism, the guarantee and guarantee the lack of talent varieties. Functional defects and structural defects and profit-making has close relation??????? Structural defect in the sense of the macro functional defects, business defects is a the microscopic sense of functional defects.

Structural weaknesses

Small and medium-sized enterprise credit guarantee system structural defects mainly displays in: in institutions and guarantee the loan amount on the number, ZF guarantee high share, folk capital type guarantee (including mutual guarantee and commercial guarantee) the proportion of the severely limited. By the end of 2003 to the end of June, the national credit guarantee agencies for 966 home, folk capital type guarantee agencies about 35.2%. In 2001 about $10 billion in total guarantee amount, ZF guarantee fund for 6.6 billion yuan. This shows that the financial contribution of the whole system in ZF guarantee is in a dominant position. In the system of market economy, the government is as a macro DiaoKongZhe and social management and existence and operation, in the market supervision function is to market, market rules formulated and maintaining market order. And, small and medium-sized enterprise loan gap as a phenomenon of the market, the market itself have mechanism, reasons and the ability to solve it, that is, by private capital in middle and small enterprise loan market for loan guarantees. Due to the small and medium-sized enterprises more than quantity wide, loan demand has obvious individuation, metabolism faster, so impossible to finish in ZF macro regulation and social management function and after sufficient financial guarantee system in middle and small enterprise plays a leading role. So, small and medium-sized enterprise credit guarantee system heavily reliant on ZF guarantee, no need or impossible.

Business defects

Small and medium-sized enterprise credit guarantee system of management defect mainly reflects in four aspects the lack of financial compensation mechanism and diversification mechanism, guarantee varieties and guarantee the lack of talent. In addition, many through the policy invests the establishment ZF guarantee agencies did not implement operation of enterprise management and marketization, administrative intervention are still outstanding. Some local government according to the "who investment, who decision" market principles, think ZF in voting on security project, so leaders decided to project the story is not rare. Some local leaders to use this kind of ZF for small and medium-sized enterprises credit guarantee for "set rent" or "rent-seeking", or put to small and medium enterprises ZF credit guarantee this long-term behavior and politicized lot. 1. The lack of money compensation mechanism ZF guarantee agencies funds to local government at all levels of financial capital and assets into give priority to, DanBaoFei income as auxiliary. But local fiscal funds and assets into most are one-off, scale and small. ZF guarantee agencies to profit as the main target not, DanBaoFei charge is low. Commercial guarantee agencies is less capital strength, the same lack of money compensation mechanism. Most commercial guarantee agencies as the cash for the high DanBaoFei source, part of the same period of guarantee agencies bank loan interest rates by half DanBaoFei charge, some institutions of higher DanBaoFei than this. International in most countries DanBaoFei general at around 1%, France is 0.6%, our country TW area and Hong Kong SAR is only about 0.5%. 2. Lack of diversification mechanism because the lack of clear system standard, guarantee agencies and because too small and negotiations in the strength of weak position, so most Banks will be small and medium-sized enterprise loan risk shifting to the guarantee agencies, there are a lot of guarantee agencies or even 100% of the forced to assume the credit risk. International, guarantee agencies generally assume only 80% of the loan responsibility, in the United States for 80%, Canada for 85%, France, for 50%, Japan is 50 to 80%, Germany for 50-80%. Guarantee agencies not only focused on the loan risk too much, and they are lack of diversification mechanism. Most of the guarantee agencies, especially business guarantee agencies, are seeking a counter-guaranty terms to spread risk, or to improve security charge the transfer of risk. 3. A serious lack of guarantee of professional personnel of the capital contribution in some local government guarantee agencies is often by not familiar with guarantee business as ZF officials, but ZF guarantee agencies but only in the operation and management of experts under a market-oriented and operation of enterprise can realize break-even or profit-making business, to not to profit as the ultimate goal of the policy objective. Folk capital type guarantee agencies at present business is one of the reasons for the lack of slow and professional management and operations. Meanwhile, China is still no guarantee qualification access system and disciplinary systems also caused the existing from personnel of the lack of ability and quality. 4. Poor guarantee varieties, the period focused on short-term China most guaranteed loans deadline in less than six months, the longest do not exceed one year. Guarantee breed basically limited to liquidity, few equipment, technical transformation and long-term loan. International, most countries are to small and medium-sized enterprises is the long-term bank loans to provide security, so guarantee period is longer, be in commonly 2 years. The longest is the United States, the guarantee period for 17 years. Guarantee breed is very rich also, including venture loans, bills discounting, science and technology development loan, equipment loans and technical transformation of loans, etc.

Functional defects

Structural weaknesses of functional defects bring embodied in the macroscopic level. In the past, China's large and medium-sized state-owned enterprises can directly use of the country because the credit and bank loans this exogenous financing evolved into endogenous financing. Along with our country market economy system establishment and development, China has gradually corrected the mistake phenomenon, the large and medium-sized state-owned enterprises and assets of the loan financing credit hooks. If now and put too much credit in ZF in small and medium-sized enterprise, equivalent to go to the other extreme. This will allow state-owned enterprises with excessive use of national credit, cause financial burden ZF, ZF amplification risk, market risk management function decline. ZF guarantee of small and medium-sized enterprises, the more loans, which means ZF dial out of the more financial capital, ZF burden, and also means that the more of the credit ZF spending, for the small and medium-sized enterprises and the more loan risk. At the same time, the market itself has the excellence of spreading risk management and function, and small and medium-sized enterprise loan risk was market phenomenon, ZF guarantee dominance of the show for ZF might have been too much by market management and dispersed risk, must cause the market management and dispersive risk function weakening. The existing business system defects restricted the guaranteed loan market demand, adding to a loan guarantee moral risk and adverse selection, which affect the existing credit guarantee system performance and sustainable development. Too much ZF guarantee will induce the opportunism behavior of the small and medium-sized enterprises, increase the moral risk, easy for the small and medium-sized enterprise add to the dependence of ZF. Especially in China many enterprise constraint mechanism has not really form, this problem is more easy to produce.

Guarantee the significance and the advantage

Because the bank microfinance marketing cost is higher, small businesses directly to apply for a loan from the bank accepts the more difficult, this can make small businesses have financing needs, often can to guarantee agencies and financing institutions for help, guarantee agencies of the low cost customer choice, choose from high quality project to recommend to cooperative Banks, improve the success rate of financing, can reduce bank small loans marketing costs. In addition, in the loan risk control, Banks are reluctant to put on in the small loans, one important reason is that Banks these loans management cost is higher, while the benefits are not obvious, to this kind of loan, guarantee agencies may through the optimization of credit management process and form for small loans management personalized service, share the bank management cost, to avoid bank trouble back at home. Second, after the event risk release, the advantage of guarantee agencies is irreplaceable, bank loan project risk in straight, disposal pawn often cycle is long, the high cost of lawsuit, BianXianXing not beautiful. Guarantee agencies' cash compensation, greatly solve the difficult problem of the disposal of Banks, some guarantee agencies to do a month (investment guarantee even 3 days) loans that exceed the time limit compensation, the Banks' bad loans to be eliminated, then by guarantee agencies through the bank more flexible than the treatment method for the risk dissolves. Another, guarantee company timeliness fast. As the bank, its inherent loan mode process, medium and small business owners caused tremendous amount of time; And guarantee the company on the show flexible for different design special financing scheme of enterprise mode, greatly saves business owners of time and energy, to meet the needs of the business owner urgent need money. Moreover, in the mortgage guarantee company on the basis of credit, limit considerably more than the mortgage net worth. For small and medium-sized enterprises provide more needs money. For example Beijing thick jersey investment guarantee Co., LTD, it can provide enterprises with comprehensive credit 80%-200% of the loan model. At present, many investment guarantee company in the credit risk management and loan dissolve and the regulations of the operation of high efficiency, won the trust bank, the bank loan some cooperation after collection, loan asset disposal of outsourcing to guarantee company, both sides have made good cooperation effect. Guarantee company before the financial institutions is classified, and now belongs to the non-financial institutions, and the bank is belongs to pure financial industry, both form similar, on the function for the enterprise to financing, but still has essential difference. Guarantee company is not with their own fund lending, but for the enterprise credit and guaranteed by the bank lending. That is enterprise in bank lending standards to qualification is not enough, can look for guarantee company guarantee, so guarantee companies do is Banks don't want to do that part of the business, the risk by assure the company to undertake. The advantage of guarantee company is low threshold, efficient, loan speed, accept all kinds of forms of against the pledge as counter guarantee measures, such as real estate, vehicles, trademark, equity and so on is the pledge.

Trust investment trust investment way:

 

One is involved in the way they do business, called the equity investment type, the trust and investment institutions appointed representative participation to the investment enterprise leadership and management, and in the investment proportion as profits or losses divided for the basis of responsibility. Another way is cooperation method, called the contractual investment, that is, only for capital investment, not participate in business management. This kind of investment, trust and investment institutions after the investment by negotiated the constant proportion, in a certain period divide investment income, expires or continue to investment, or giving equity and eat your investment gold. Financial trust investment institutions of manufacturing enterprises in investment, and to invest in banking companies often used the following ways: 1, long-term investment cooperation. Investors in investment, need not agreed in advance with partners investment recovery date, and as an investment enterprise long-term partners, as long as the investment enterprise production normal, investment cooperation relationship will always exist. 2, regular investment cooperation. Regular cooperation investment is investors prior agreed when the investment period, in cooperation investment period, investors to its investment returns, share management risks of doing business. 3, fixed investment share out bonus. Investors in investment, in certain time agreed in advance within the fixed amount of the profit. 4, the rate investment share out bonus. The interest in investment share out bonus investment is investors, agreed in advance by the joint venture enterprises in the investment period, according to the trust and investment companies invest amount to pay interest on a regular basis.

Trust and investment investment program

Financial trust agencies for trust and investment business program to the project in screening, evaluation, negotiations, establishment, execution and termination six stages.

Project screening

The screening of the project is to trust investment company from the planning department, enterprise such as the competent department through certain channels in current projects in the preliminary screening. The trust company after investigation and study, and carries on the earnest analysis, the trust and investment conditions to the project screening out, does not conform to the trust and investment conditions shall be promptly eliminate it. Trust company in accordance with the trust and investment conditions, according to the project, according to screen out the trust investment plan and their own financial resources, to make the next step of the evaluation.

Project evaluation

Trust and investment

In the preliminary screening, and on the basis of trust and investment company according to the feasibility study report, project life period of the necessary conditions of the quantitative and qualitative analysis, the necessity and feasibility of investment projects by scientific appraising, estimation and prediction, provide the basis for investment decisions, and the process is the project evaluation. In project evaluation to the micro and macro, qualitative and quantitative, technology and economy, key and general, investigation and the way of combination of prediction of investment project a complete system of economic and technical argumentation, enormous amounts of data, and carry on the various calculation and comparison. Trust and investment project assessment, mainly includes the following content. 1) the investment environment evaluation. Project investment environment including project in geographical environment, natural environment, economic environment and social environment, etc. The geographical environment requirement of the investment project the geographical position is superior, the railways, roads, ports and airports, convenient transportation, etc.; The natural environment refers to the sun to trust investment square

The water is rich in resources, climate suitable for investment projects production; The economic environment mainly refers to the project is located in the economic development center, developed economy and industrial base is good, a strong technical force, the capital source channels, etc.; Social environment refers to education level is high, and postal culture, telecommunications sector developed countries, to the region have favourable conditions policy development, environmental protection complete facilities, etc. 2) product market evaluation. First to predict the project life period raise market supply and demand; Second from macroscopic aspect predict product sales; Finally from the microscopic aspects predict product sales, analyze project after the production, product quality, performance and design have strong competitive power, analyzes the product cost is reduced. 3) supply situation assessment. The first step to the name of the raw materials, products, specifications, requirements and their sources of supply, supply mode and the conditions of transport to find out. The second step is to investment projects of energy supply, such as water, electricity, coal, gas analysis. If energy supply, they must know its no reason and may take measures, including whether energy saving measures for energy, energy department may supply and analysis of project after the production of energy supply ensure degree. Trust and investment card

4) technology equipment evaluation. For the investment of the project technology equipment evaluation focuses on the suitability of the advanced analysis. The production process is advanced, it is to point to project the production process of mature reliable, and project production conditions, and the conditions of sales adapt, especially project technical level and with the management level, and can save investment, saving energy, should also have a deal with the pollution process facilities; The machine equipment advanced applicable is refers to machine equipment and production technology of supporting, key equipment and auxiliary equipment of supporting and skilled workers. 5) financial benefit evaluation. Financial evaluation is based on the feasibility study report as the basis, with the management accounting, and other aspects of the method, from the Angle of enterprises analysis of project financial benefit to judge whether it is feasible in terms of financial projects. Financial benefit evaluation, first look normal year after project put into production, can produce profits of the proportion of the total information has how old, that is, through investment yields will assess the profitability of the investment; Second look at the length of the investment capital can be recovered; Finally and analysis profits net present value and internal rate of return. The above four index calculation in here no longer etc. Comprehensive above all aspects of evaluation results, the financial trust agencies of the investment projects of the person in charge of the necessity and in technology, financial and economic feasibility conclusion, must be one of the most optimal scheme, write investment project assessment report.

Project negotiations

The project is in negotiations assessment report put forward the feasibility of the project on the basis of the opinion. Through the negotiating investment parties, not only for sign a contract to prepare, but also for the investment company business development, the investment parties for the mutual understanding, to carry on the long-term cooperation effects. The main content of the project negotiations have: investment way, amount and deadline. Methods the distribution of the profits. Investment enterprise the form of organization and management way. Financial trust company and other investors when negotiations, insist on the equality and mutual benefit, friendly consultation principle. Also want to pay attention to the proper combination of principle and flexibility.

Project to establish

The sun trust investment square

The establishment of the project mainly refers to sign the contract. Investment contract is signed, it has legal effect, investment parties must, in accordance with the execution. According to the national policy of economic contract law and regulations, the investment of the contents of the contract should include the following ten three points: investment projects in the name, legal address; The registered capital of investment projects and the total amount of investment; Investment project management content, scale and the way; For the investment mode of investment, investment party amount, the conditions for cooperation, provide service way, the investment structure and deadline; Investment parties investment delivery date, exceed the time limit not of pay, the terms of the transfer, arrears; Investment enterprise organization form and legal representative, the board of directors or the joint mechanism composed; Investment enterprise management mode, management organization setup and management system; Investment income allocation methods of the parties; Investment parties to debt and deficit to perform the duties and responsibilities of the method; Investment enterprise financial and accounting system, Labour and wages, labor management and Labour insurance, etc; The conditions of the contract to suspend or suspension, debt after the liquidation and the processing of assets; When the contract is terminated the debt of the liquidation property treatment; Pigeons to inform contract the responsibility, dispute solution and other matters should be stated.

Project execution

In investment projects established, investment parties shall be stipulated in the contract, will recognize the investment paid into. Financial trust investment company except full investment funds agreement dial, but also to use of funds and project progress supervision; Project is put into production, and to support the joint production and business activities, strengthen financial supervision, make its produce benefit as soon as possible. In case of loss, according to the rules, bear losses.

Program termination

Investment projects in the following circumstances can execute termination: investment expires, both sides has no intention of extension, can withdraw investment; Such as operating losses or a party fails to perform the duty, or because of the irresistible factors so that the business cannot proceed, can clean dissolved; If the contract allows investment shares transfer, trust and investment companies can according to condition, decide whether equity transfer. In addition to the time of investment, investment project appear other dissolved, should by the board of directors of the dissolution of joint venture enterprise put forward the application, and the newspaper examination and approval this enterprise is established, after the examination and approval authority, can dissolve. Investment project announced is dissolved, the board of directors and other relevant management agency shall be submitted to the enterprise of the liquidation procedures, principles and the liquidation commission candidate, report to the competent government departments to review and monitor the liquidation. The liquidation commission appointed by the person for investment parties or parties may jointly hire, the mission is the property of the investment projects, the creditor's rights and debts of the comprehensive inventory. On this basis, the investment project of the balance sheet, and property catalogue, puts forward the enterprise property value and the computation basis, so as to make a plan of liquidation, and report to the board by discussion before implementation.

Laid-off workers small loan guarantee

Designed to solve the application premium, small get loans from the lenders have difficulties laid-off workers of the financial needs. Some guarantee companies using their own money, entrust a bank to provide small loans. Small entrust loan should provide the full guarantee. Guarantee object: comply with the "laid-off workers small loans guarantee" guarantee of the conditions of the laid-off workers security conditions: (1) of this city town residents have registered permanent residence, at the age of 60 years old the following, healthy body, hold labor safeguard branch (hereinafter referred to as the labor department) issued by the "again obtain employment pass" and the qualified training institutions for training related certificate, be engaged in individual manage (countries limit industry except); (2) with the above conditions of the laid-off workers partnerships and organize obtain employment started of small business and reemploy laid-off workers again obtain employment account for more than 30% of the total number of staff and workers, or if the did not reach the 30% but hires laid-off workers in 5 people above, and signed with laid-off workers by labor safeguard branch of verification more than one year of the term of the Labour contract enterprise (countries limit industry except); (3) have engaged in business activities for industry and commerce, taxation, franchising, and other aspects of the legal procedures; (4) self-raised funds not less than 30% of the funds needed for the project; (5) to provide the corresponding counter guarantee.

Comprehensive credit guarantee

Comprehensive credit business mainly used for enterprise working capital credit needs, including current fund turnover loans, the bank accepts the draft of the acceptance and discount, the guarantee of the commercial drafts and international settlement business under a project financing. Enterprise may, within the approved line of credit, time limit and use according to its actual situation in all kinds of ways to loan portfolio, recycling.

Guarantee business

Payment guarantee, including the advance payment guarantee, payment by installment guarantee; The performance guarantee, including bid bond, project contracting guarantee, project contracting guarantee, engineering maintenance bond, quality guarantee; Debt guarantee, including loan guarantee, lease guarantee.

To guarantee

To guarantee company in conformity with the agreement of the commercial guarantee agencies, and private guarantee agencies and other guarantee agencies provides a case of guarantee service business again.

Litigation security guarantee

In the process of civil lawsuit, the people's court for may be a party behavior or other reasons, make effective verdict can't or difficult to enforce case, on the parties apply for property preservation in the request to make a ruling, general requirements apply for property preservation of a party the parties to provide a guarantee. Guarantee varieties introduction: in the process of civil lawsuit, the people's court for may be a party behavior or other reasons, make effective verdict can't or difficult to enforce case, on the parties apply for property preservation in the request to make a ruling, general requirements apply for property preservation of a party the parties to provide a guarantee. Guarantee for the territory of China in accordance with the legal person unit set up or other organizations and citizens to the people's court for property preservation in to provide security. The business, which can solve the party a can't provide for property preservation guarantee or provide the property preservation after the guarantee affecting its normal production and operation activities, and ensure the production and business operation activities and the proceedings of the normal, security is the applicant for litigation property preserved the legal rights of the after. Deal with involves: see guarantee the guarantee business flow chart ", the applicant in addition to provide the guarantee business guide "of the requested information, but also to provide to the people's court should focus on the case acceptance notice, the indictment and other relevant information.

Export tax rebate loan guarantees

To encourage exports, supporting the development of the total export of small and medium-sized enterprises, the security company and bank co-organized with accounts of export tax rebates pledging loan guarantee business. Borrowing object mainly for the good reputation of foreign trade of small and medium-sized enterprises. Guarantee varieties profile: to encourage exports,. Support the government export development of small and medium businesses, the company and bank co-organized with accounts of export tax rebates pledging loan guarantee business. Borrowing object: mainly for the good reputation of foreign trade of small and medium-sized enterprises. Deal with involves: enterprise to Banks and guarantee company and apply in bank to open account guarantee company export tax rebates and review-provided to Banks assured guarantee to Banks to issue loans.

Domestic factoring guarantee

Include owner payment security guarantee the payment, bid, contractor, and the performance guarantee, contractors payment guarantee.

Chinese engineering assured guarantee

Guarantee companies and Banks for credit sales especially credit cooperation way to provide a comprehensive financial service, it is the sales will conclude with the purchaser of the sales contract has the transfer of accounts receivable to the bank, and the bank's offer for its trade financing, sales of the individual account management, accounts receivable collection, credit risk control, and other services, by assure the company provide the guarantee security.

Principal owner payment security

Refers to ensure the performance for the payment of the project contract payment obligation, the guarantor of the owner to contractors, ensure the payment bond's guarantee. The owner in sign the contract of engineering construction at the same time, the contractor with the payment guarantee. The business, which can effectively prevent the payment by default and the credit risk, as well as to protect the interests of the contractor, be helpful for owner successfully obtain a construction permit of construction.

Bidding guarantee

It is to point to by guarantor bidders to the tenderer, ensure provide a bidder in accordance with the tender documents required to participate in the activities of the tender security. At present, the company is mainly to guarantee the winning bidder withdrew to guarantee standard. Bidding the guarantee of the general not guarantee amount more than 2% of the total value of the bid, is highest do not exceed 800000 yuan. This line, can make the bidders exempt deposit, and improve the efficiency of using the capital of the bidder or solve the difficulties the turnover of funds; Through the guarantee for bidders, the deep understanding of the master, can better protect the rights and interests of the owner.

Contractors payment guarantee

Refers to the guarantor to the subcontractor, material equipment suppliers, construction workers, and ensure that the contractor to provide engineering construction the agreement of the contract to the subcontractor, material equipment suppliers, construction workers to pay the expenses and pay the price and payment guarantee. This line, the contractor don't submit relevant materials and the advance payment, the contractor may reduce the financial pressures, but also can ensure the subcontractor, material equipment suppliers, construction workers rights and interests. Deal with involves: see the guarantee the guarantee business flow chart ", the applicant in addition to provide the guarantee business guide "of the requested information, but also to provide quality permits, the key in bidding documents, project contract, project budget and other relevant information.

The performance guarantee

The performance guarantee acceptance once guarantee company is in the guarantee the insured person to perform the contract should fulfill obligations after, the guarantor will ensure the payment of the purchase and sales contract and goods supply settlement terms or liquidated damages to the payment terms are implemented, thus effectively avoid or reduce in both the supply and the demand during the trade risks and maintaining the legal rights of the creditor. The performance guarantee acceptance once guarantee company is in the guarantee the insured person to perform the contract should fulfill obligations after, the guarantor will ensure the payment of the purchase and sales contract and goods supply settlement terms or liquidated damages to the payment terms are implemented, thus effectively avoid or reduce in both the supply and the demand during the trade risks and maintaining the legal rights of the creditor. The performance guarantee categories include engineering contract performance guarantee the performance guarantee, project bidding, technology transfer contract performance guarantees, trade contracts the performance guarantee, real estate transactions guarantee, motor vehicle transaction guarantee, property ownership transfer transaction security guarantees, enterprise property transfer transaction security guarantees, contract hedge deposit/advance payment/quality guarantee deposit, intermediary fee/commission guarantee, the product quality guarantee, went abroad to study economic security, personal payment by installment consumption guarantees, litigation security guarantee, etc. One of the most widely in the business to have: project contract performance guarantee and engineering bidding the performance guarantee. Project contract performance guarantee: ensure security (guarantee) issued by the performance guarantee to the tenderer, guarantee the construction project contract provisions in the all the terms will be in within the time stated, with no more than both sides agreed price, according to the prescribed quality standards to complete the project. Once the contractor in the construction process in default or is unable to complete the contract, the guarantor to the contractor that can provide funds or other forms of aid to give it the ability to complete the contract; Also can be arranged by the new contractor to replace the original contractor to complete the project; Can, after consultation, the new owner bid opening, the winning the contractor will complete the remainder of the contract, which caused the cost the last part of the original contract beyond cost by guarantee guarantor bear; If the solution fail to reach an agreement that the guarantor will pay the owner's loss in the forehead. The performance guarantee amount shall not be lower than the general contract 10% of the price. If use the lowest bid price after the appraisal method of the bid, the performance guarantee amount shall not be less than 15% of the contract value. Project bidding the performance guarantee: ensure security (guarantee) in bid bidders, prior to the tenderer bid bond issue, ensure the winning bidder will enter into a contract with the tenderer and will provide the tenderer the required performance guarantee. If a winning bidder default, the guarantor will ensure the forehead pays the tenderer in within the loss. Bidding assured guarantee can be used to design bidding, construction supervision on tender and bid, material purchasing bidding, all kinds of bidding activities. The guaranteed amount for bidding shall not exceed 2% of the total bidding price, highest must not more than 800000 yuan.

Trust investment conditions

Trust investment in general have investment amount big, long maturity and technical and the characteristics of the big risk. So at the trust and investment business, should be controlled strictly project have the investment conditions. 1 the project approval documents according to our country at present the current investment management system, every new construction, expansion and technical renovation programs must be in accordance with the examination and approval procedures and the examination and approval authority, according to the investment scale, approval from the central, province or city competent departments and the working and for examination and approval. 2, the implement of investment funds, leaving no gap of the investment trust investment estimate to correct, in a total investment to implement. This is to prevent BanLaZi engineering form, make investment projects completed and put into production on schedule on schedule to achieve efficiency assurance. General can take the following several ways input: in yuan, foreign currency cash investment; With movable or immovable real investment; With special technology, patent, copyright and other intangible assets investment, etc. Three, to have broad product sales market productive investment project, its products must have a broad sales market, if no market for products that the product is not the social needed project, the benefit of investment cannot be achieved. Only investment project sales conditions is wide, sales channels and project products can become social products, achieve the expected economic benefits. 4, has the good supply conditions of the investment project supply condition are good, is mainly refers to raw materials and energy supply is assured. Supply conditions not ideal, often can cause or inadequate investment project commenced production is not normal, which affect the benefit of investment. 5, process technology advanced equipment advanced applicable technology equipment is investment project products of good quality, high efficiency, low production cost and products sold the decisive factor of unobstructed. In the socialized production conditions, advanced technology, craft equipment in some extent determine the success or failure of the investment project. 6, a higher quality of enterprise enterprise quality of high and low, decided to the discretion of the benefit of investment. Enterprise, with high quality, all kinds of factors of production to organic combination, three links, supply connected, the enterprise economic benefit is high; Enterprise quality is low, the organic combination of production factors can't, for production and marketing, even if the disjointing of technical equipment and advanced, the enterprise economic benefit is not high.

What matter trust investment?

Trust and investment (TrustInvestment), is financial trust investment institutions and organizations with their own money, money for investment. To investors identity directly involved in on enterprise investment is China's trust and investment company, one of the major business, this kind of trust and investment and the trust investment of different business.

Trust and investment is financial trust investment agency with their own funds and organization of money to fund investment. Trust and investment

To investors identity directly involved in on enterprise investment trust investment company of our country at present is a major business, this kind of trust and investment and entrust investment business have two different. First, trust and investment funds is trust and investment companies own reserves and stable long-term trust funds, and entrust investment funds is with the corresponding client provide investment margin. Second, in the course of investment trust, trust and investment companies directly involved in investment enterprise operation results of the distribution, and bear corresponding risk, but to entrust investment, trust company is not involved in the investment enterprise of the income distribution, a commission, to the benefit of investment does not assume economic responsibility.

Laid-off workers small loan guarantee

Designed to solve the application premium, small get loans from the lenders have difficulties laid-off workers of the financial needs. Some guarantee companies using their own money, entrust a bank to provide small loans. Small entrust loan should provide the full guarantee. Guarantee object: comply with the "laid-off workers small loans guarantee" guarantee of the conditions of the laid-off workers security conditions: (1) of this city town residents have registered permanent residence, at the age of 60 years old the following, healthy body, hold labor safeguard branch (hereinafter referred to as the labor department) issued by the "again obtain employment pass" and the qualified training institutions for training related certificate, be engaged in individual manage (countries limit industry except); (2) with the above conditions of the laid-off workers partnerships and organize obtain employment started of small business and reemploy laid-off workers again obtain employment account for more than 30% of the total number of staff and workers, or if the did not reach the 30% but hires laid-off workers in 5 people above, and signed with laid-off workers by labor safeguard branch of verification more than one year of the term of the Labour contract enterprise (countries limit industry except); (3) have engaged in business activities for industry and commerce, taxation, franchising, and other aspects of the legal procedures; (4) self-raised funds not less than 30% of the funds needed for the project; (5) to provide the corresponding counter guarantee.

Comprehensive credit guarantee

Comprehensive credit business mainly used for enterprise working capital credit needs, including current fund turnover loans, the bank accepts the draft of the acceptance and discount, the guarantee of the commercial drafts and international settlement business under a project financing. Enterprise may, within the approved line of credit, time limit and use according to its actual situation in all kinds of ways to loan portfolio, recycling.

Guarantee business

Payment guarantee, including the advance payment guarantee, payment by installment guarantee; The performance guarantee, including bid bond, project contracting guarantee, project contracting guarantee, engineering maintenance bond, quality guarantee; Debt guarantee, including loan guarantee, lease guarantee.

To guarantee

To guarantee company in conformity with the agreement of the commercial guarantee agencies, and private guarantee agencies and other guarantee agencies provides a case of guarantee service business again.

Litigation security guarantee

In the process of civil lawsuit, the people's court for may be a party behavior or other reasons, make effective verdict can't or difficult to enforce case, on the parties apply for property preservation in the request to make a ruling, general requirements apply for property preservation of a party the parties to provide a guarantee. Guarantee varieties introduction: in the process of civil lawsuit, the people's court for may be a party behavior or other reasons, make effective verdict can't or difficult to enforce case, on the parties apply for property preservation in the request to make a ruling, general requirements apply for property preservation of a party the parties to provide a guarantee. Guarantee for the territory of China in accordance with the legal person unit set up or other organizations and citizens to the people's court for property preservation in to provide security. The business, which can solve the party a can't provide for property preservation guarantee or provide the property preservation after the guarantee affecting its normal production and operation activities, and ensure the production and business operation activities and the proceedings of the normal, security is the applicant for litigation property preserved the legal rights of the after. Deal with involves: see guarantee the guarantee business flow chart ", the applicant in addition to provide the guarantee business guide "of the requested information, but also to provide to the people's court should focus on the case acceptance notice, the indictment and other relevant information.

Export tax rebate loan guarantees

To encourage exports, supporting the development of the total export of small and medium-sized enterprises, the security company and bank co-organized with accounts of export tax rebates pledging loan guarantee business. Borrowing object mainly for the good reputation of foreign trade of small and medium-sized enterprises. Guarantee varieties profile: to encourage exports,. Support the government export development of small and medium businesses, the company and bank co-organized with accounts of export tax rebates pledging loan guarantee business. Borrowing object: mainly for the good reputation of foreign trade of small and medium-sized enterprises. Deal with involves: enterprise to Banks and guarantee company and apply in bank to open account guarantee company export tax rebates and review-provided to Banks assured guarantee to Banks to issue loans.

Domestic factoring guarantee

Include owner payment security guarantee the payment, bid, contractor, and the performance guarantee, contractors payment guarantee.

Chinese engineering assured guarantee

Guarantee companies and Banks for credit sales especially credit cooperation way to provide a comprehensive financial service, it is the sales will conclude with the purchaser of the sales contract has the transfer of accounts receivable to the bank, and the bank's offer for its trade financing, sales of the individual account management, accounts receivable collection, credit risk control, and other services, by assure the company provide the guarantee security.

Principal owner payment security

Refers to ensure the performance for the payment of the project contract payment obligation, the guarantor of the owner to contractors, ensure the payment bond's guarantee. The owner in sign the contract of engineering construction at the same time, the contractor with the payment guarantee. The business, which can effectively prevent the payment by default and the credit risk, as well as to protect the interests of the contractor, be helpful for owner successfully obtain a construction permit of construction.

Bidding guarantee

It is to point to by guarantor bidders to the tenderer, ensure provide a bidder in accordance with the tender documents required to participate in the activities of the tender security. At present, the company is mainly to guarantee the winning bidder withdrew to guarantee standard. Bidding the guarantee of the general not guarantee amount more than 2% of the total value of the bid, is highest do not exceed 800000 yuan. This line, can make the bidders exempt deposit, and improve the efficiency of using the capital of the bidder or solve the difficulties the turnover of funds; Through the guarantee for bidders, the deep understanding of the master, can better protect the rights and interests of the owner.

Contractors payment guarantee

Refers to the guarantor to the subcontractor, material equipment suppliers, construction workers, and ensure that the contractor to provide engineering construction the agreement of the contract to the subcontractor, material equipment suppliers, construction workers to pay the expenses and pay the price and payment guarantee. This line, the contractor don't submit relevant materials and the advance payment, the contractor may reduce the financial pressures, but also can ensure the subcontractor, material equipment suppliers, construction workers rights and interests. Deal with involves: see the guarantee the guarantee business flow chart ", the applicant in addition to provide the guarantee business guide "of the requested information, but also to provide quality permits, the key in bidding documents, project contract, project budget and other relevant information.

The performance guarantee

The performance guarantee acceptance once guarantee company is in the guarantee the insured person to perform the contract should fulfill obligations after, the guarantor will ensure the payment of the purchase and sales contract and goods supply settlement terms or liquidated damages to the payment terms are implemented, thus effectively avoid or reduce in both the supply and the demand during the trade risks and maintaining the legal rights of the creditor. The performance guarantee acceptance once guarantee company is in the guarantee the insured person to perform the contract should fulfill obligations after, the guarantor will ensure the payment of the purchase and sales contract and goods supply settlement terms or liquidated damages to the payment terms are implemented, thus effectively avoid or reduce in both the supply and the demand during the trade risks and maintaining the legal rights of the creditor. The performance guarantee categories include engineering contract performance guarantee the performance guarantee, project bidding, technology transfer contract performance guarantees, trade contracts the performance guarantee, real estate transactions guarantee, motor vehicle transaction guarantee, property ownership transfer transaction security guarantees, enterprise property transfer transaction security guarantees, contract hedge deposit/advance payment/quality guarantee deposit, intermediary fee/commission guarantee, the product quality guarantee, went abroad to study economic security, personal payment by installment consumption guarantees, litigation security guarantee, etc. One of the most widely in the business to have: project contract performance guarantee and engineering bidding the performance guarantee. Project contract performance guarantee: ensure security (guarantee) issued by the performance guarantee to the tenderer, guarantee the construction project contract provisions in the all the terms will be in within the time stated, with no more than both sides agreed price, according to the prescribed quality standards to complete the project. Once the contractor in the construction process in default or is unable to complete the contract, the guarantor to the contractor that can provide funds or other forms of aid to give it the ability to complete the contract; Also can be arranged by the new contractor to replace the original contractor to complete the project; Can, after consultation, the new owner bid opening, the winning the contractor will complete the remainder of the contract, which caused the cost the last part of the original contract beyond cost by guarantee guarantor bear; If the solution fail to reach an agreement that the guarantor will pay the owner's loss in the forehead. The performance guarantee amount shall not be lower than the general contract 10% of the price. If use the lowest bid price after the appraisal method of the bid, the performance guarantee amount shall not be less than 15% of the contract value. Project bidding the performance guarantee: ensure security (guarantee) in bid bidders, prior to the tenderer bid bond issue, ensure the winning bidder will enter into a contract with the tenderer and will provide the tenderer the required performance guarantee. If a winning bidder default, the guarantor will ensure the forehead pays the tenderer in within the loss. Bidding assured guarantee can be used to design bidding, construction supervision on tender and bid, material purchasing bidding, all kinds of bidding activities. The guaranteed amount for bidding shall not exceed 2% of the total bidding price, highest must not more than 800000 yuan.

Investment guarantee role

In many of the financing channel, guarantee industry with its unique advantages more and more get the attention of the small and medium-sized enterprises and favour. In the current situation, and gradually perfect guarantee system is to solve the small and medium enterprise loan be one of the most effective measures, to small and medium-sized enterprise financing is playing a positive role. Guarantee system in our country is a rising industry, it is by the government or an enterprise as a legal person and contributive establish, to support small and medium enterprise loan or support in the country, and the establishment of the export products. It in the bank and the enterprise loan relationships, is the identity of the guarantor of existence, it with Banks, enterprise security contract signed respectively, establish specific economic relations, play the following function:

A, ensuring the enforcement of creditor's rights

View from the bank, the bank loan business, especially cautious, and pay attention to the prevention and control of the loan risk. Due to the investment guarantee the company has a number of guarantee fund, has strong ability of compensation, therefore, guarantee agencies have higher credit rating. Small and medium-sized enterprise by its as security, can effectively share the bank loan risk will strengthen the bank loans to small and medium enterprises of confidence, so as to solve enterprise, bank lending the difficult question, promote financing, effectively promote national economic development. From the Angle of enterprises said, through the guarantee and improved its credit rating. Businesses to get credit from the bank support, it will accept guarantee agencies and the supervision of the bank to it, to guarantee agencies to provide its business and capital use report, strengthen the understanding between each other; Guarantee agencies to provide security for the enterprise, and not without destination guarantee, is based on the strict enterprise based on examination and understand, if the enterprise conditions short of asks, guarantee agencies and never will guarantee for it.

Second, avoid a capital loss

In the loan guarantee agencies before, an enterprise credit review before, grasp its business situation and development prospect, loans, keeping a close eye on strict censorship of enterprise use of funds, to find out problems, and Banks to a recovery of funds, thus it can effectively avoid the loss of money and safeguard the interests of the state, the bank and ensures the validity of financing.

Three, improve enterprise financing efficiency

As an intermediary, guarantee agencies to play a role of bridge, it is not only for Banks, matchmaking enterprise, and enterprise, supervision and examination on behalf of the bank enterprise, and enterprise to apply for bank, deal with relevant formalities, actively and effectively using to Banks, enterprise service purpose, make bank, enterprise have more human, financial and other business development time, thus it can effectively promote its development. This shows, to establish the system of guarantee, that small and medium-sized enterprise with stable and reliable credit system, be helpful for on certain level to small and medium-sized enterprises to solve the difficult problem loans, help small and medium-sized enterprise ease financial pressure. At the same time, and can help bank loans in accordance with the "three-properties" management principle achieve operational general objective, and make the loan to the bank more secure and effective.

Investment guarantee advantage

Investment guarantee is a popular investment options, compared to other types of investment, it has the following specific benefits: safe and reliable: investment principal will get guarantee. Ensure growth: fixed rate investment guarantee can ensure that earned interest, can accurate expected the expiry date of the gross investment. Superior interest rates: investment guarantee offer very competitive interest rates. Flexible term: different kinds of investment guarantee have different options, can choose the most suitable for your deadline, from one to five years, seven years, or 10 years. Flexible payment: some investment guarantee can choose how to collect earn interest, such as monthly, and each year, or to charge when due.

Investment guarantee business scope

Loan guarantee business 1, enterprise technical transformation loan guarantee 2, enterprise liquidity loan guarantee 3, enterprise credit loan guarantee 4, the comprehensive enterprise credit loan guarantee 5, business owners personal loan guarantee 6, and personal investment loan guarantee 7, property right replacement bridge loan guarantee 8, all kinds of short term loans guarantee bill securities business 1, 2, open the letter of credit guarantee bank acceptance of draft guarantee 3, commercial draft guarantee 4, bank guarantee guarantee 5, enterprise bonds guarantee 6, 7, trust guaranteed fund guarantee product guarantee 8, other instruments securities trading the performance guarantee business 1, engineering the performance guarantee 2, 3, bidding project payment guarantee security 4, 5, equipment guarantee raw materials credit guarantee payment by installment 6, 7 property preservation guarantee, lease contract guarantee 8, other contract guarantees

Investment guarantee characteristics

Investment guarantee is a safe investment, can provide protection for of investors' money. Choose investment guarantee, investors investment earned interest will be fixed interest rate, according to a floating interest rate, or link with market formula. For many people, the investment guarantee (or other conservative fixed income investments) is the role of investment combination of high quality options. Investment guarantee mainly used in investment guarantee company, usually refers to the individual will be borrowing funds to pass strict inspection, the guarantee company approved by the house property, car or other assets as (mass) and against which have strong ability to repay borrowers. Guarantee company as a medium, the use of funds and recovery situation for the whole monitoring and provide guarantee, so investors get the security, stability, high returns. Investment guarantee on one hand loan financing for small and medium enterprises open a new channel, for the contributor again at the same time provide a kind of new investment channels. Formal investment guarantee company profit points to the borrower is to charge a DanBaoFei, lending directly from the bank transfer, guarantee companies don't handle possession of both parties of the lending money, just for lending both sides provide information intermediary service, charged assure service fee. (along with the social development of the financial system, investment guarantee industry business model have also changed, not only on the security costs for profit points, such as: issue bonds, financial products and so on) yields is actually of investors in person to pay interest to borrow money. That means that if the borrower can not guarantee on time reimbursement, guarantee the company to pay to, to ensure the contributor principal and interest from losses. Investment guarantee this "don't touch the money" principle, and underground, small medium, such as raising funds illegally thoroughly to distinguish.

Investment guarantee established conditions

1, meet the minimum amount of registered capital. 2, have to meet the requirements of the business place. 3, comply with the law (the company law), the articles of provisions. 4, familiar with finance and related business management and evaluation personnel. Need to the company registration authority (the location of industrial and commercial bureau) submit the following documents: 1, the establishment of a company's application report (institutions name, registered capital source, business premises, scope of business). 2, the articles of association. 3, the administrative department for industry and commerce of the enterprise name issued in advance notice of audit. 4, each shareholder agreement.

Financing lease specific content

It is to point to the specific content of the lessor according to the lessee the lease objects to the special requirements of the supplier and the choice, contribution to the supplier to buy lease objects, and to the lessee for its use, and the lessee to pay the rent is staging the lessor, the ownership of the lease, lessor belongs to all objects, and the lessee has the right to use the lease objects. Upon expiration of the lease term, the rental payment and the lessee financing lease contract according to the provisions of the full performance after the obligations, where ownership of the lease item was not prescribed or the agreement is not, can supplement agreement; Can't reach a supplementary agreement, according to the contract concerned clause or trade used to determine, still cannot decide, title to the lease objects all the lessor. Financing lease financing is set with content, trade and technology update in one of the new financial industry. Due to its financing with the combination of features that, when problems occur leasing company can recovery, processing the lease item, so the deal with financing and the guarantee of enterprise credit demand is not high, so it is very suitable for small and medium-sized enterprise financing. In addition, the financing lease belong to off-balance-sheet financing, not reflected in the financial statements of the enterprise debt project, do not affect the enterprise credit status. The need to financing for the small and medium-sized enterprises is very beneficial.

And traditional rental difference

Financing lease and traditional rental a essential difference is: traditional rental tenant rental use objects to the time calculation the rent, the lessee and financing lease to occupy the financing cost time calculation rents. Market economy is developed to a certain stage and produce a good adaptability of financing, raised in the United States is the 1950 s a new way to trade, because it to adapt to the requirements of the development of the modern economy, so in 20 centuries 60 ~ 70 s rapidly developed in the world, the enterprise has become the main update equipment financing means one, is known as "the rising sun industry". Early 1980 s introduced in China after the business mode, in more than 20 years and is rapidly developing, but compared with the developed countries, the advantages of the lease is far from plays out, a potential market.

And the difference between the payment by installment

(1) instalment is a kind of transactions, buyers not only won the right to use the items are trading, but also acquire the ownership of the goods. And financing lease is a kind of lease behavior, although the lessee the lease item for actually caused by cost and risk, from a legal point of view, the ownership of the lease item in name return to the lessor all. (2) a financing lease and payment by installment in the accounting process variations. Financing lease item in rent Clinton all ownership all the lessor, therefore, as the lessor assets into its balance sheet, and to the lease item the amortization of depreciation, and the lessee will lease expenses production cost. While instalment purchases of goods to all buyers, and included in the buyer's balance sheet and responsible for the amortization of depreciation by the buyer. (3) the two above lead to both in tax treatment are different. Financing lease of the lessor can will amortization of depreciation of the project should be deducted from income, and the lessee may bring the amortization of depreciation of the taxable income from deducted, in instalment trading is the buyer can amortization of depreciation cost will be deducted from taxable income, buyers can still will spend interest cost deducted from the taxable income, in addition, buy some fixed assets in some western countries can also enjoy duty-free investment. (4) in the term, payment by installment payment period often less than trade article economic life span, and a financing lease lease term then often and lease item the economic life of quite. Therefore, the same item financing lease is the way the installment credit period for long. (5) instalment is not a full credit, the buyer will usually paid at sight loans-part; And financing lease is a kind of full credit, it to lease price of the paragraph all even shipping, insurance, such as the installation of additional fees are to provide financing. Although financing lease is usually on the lease beginning to pay some margin when, but the cost is generally payment by installment payment at sight to exchange the much less (for example in the import and export trade of the buyer need at least cash pay 15% of the loans). Therefore, the same thing, the way of financing lease provide total credit is usually better than instalment way to trade could provide. (6) the financing lease and payment by installment payment transaction in time also have a difference. The latter generally in each issue the final, usually in instalment before a grace period, lease financing generally no grace period, the lease beginning after the need to pay the rent, so, the rent payment usually in the beginning each issue. (7) the financing lease expiration of the lease item usually leave salvage value, general to the lease item to the lessee not any treatment, need to deal with formalities of exchange or buy procedure. And payment by installment of the rules of the trading buyer installment that have the trade article, can be arbitrary processing. (8) a financing lease object is generally longer life expectancy, value higher items, such as mechanical equipment, etc.