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.