What Is an Investment Guarantee?

Investment guarantee generally means that when individuals loan to a bank, the bank does not lend to the individual directly in order to reduce risks. The borrower needs to find a third party to provide credit guarantee for the borrower. That is, the borrower needs to find a guarantee company to guarantee it. The guarantee company will allow the borrower to issue relevant qualification certificates for review according to the bank's requirements. Finally, the audited information will be submitted to the bank. The bank will review the loan and the guarantee company will charge the corresponding service fee.

Investment Guarantee

Investment guarantee generally means that when individuals loan to a bank, the bank does not lend to the individual directly in order to reduce risks. The borrower needs to find a third party to provide credit guarantee for the borrower. That is, the borrower needs to find a guarantee company to guarantee it. The guarantee company will allow the borrower to issue relevant qualification certificates for review according to the bank's requirements. Finally, the audited information will be submitted to the bank. The bank will review the loan and the guarantee company will charge the corresponding service fee.

Chinese name

Investment Guarantee

Foreign name

Investment guarantee

Private investment guarantee companies refer to individuals who lend funds to borrowers with strong repayment ability that use real estate, automobiles or other assets as collateral (pledge) after strict inspection and review by the guarantee company. The investment guarantee company acts as an intermediary to monitor and provide guarantees to the borrower's use and recovery of the funds throughout the process, so as to enable investors to obtain safe, stable and high returns. At the same time, private guarantee companies charge certain guarantee service fees.

All in all, an investment guarantee company is an intermediary company that guarantees financing for small and medium-sized enterprises to earn a profit margin. There are three types: small, medium and large. Private financing enterprises in China have only two industries: guarantee companies and pawn shops.

Judging from the current situation of China's economic development, these two industries have great potential for development. As for its development and growth time, there are many factors to decide, but from a macro perspective, the more developed the private enterprise is, the more conducive to the development of the above two industries.

Since the second half of last year, Fujian, Guangdong, Zhejiang, and other places have successively occurred incidents of capital chain breakage of guarantee institutions. At the end of December, there were media reports that the Lianyungang guarantee company went to Lou Kong's boss abroad, and there was more discussion about the guarantee company. There are also questions from citizens about whether the staff of the guarantee company will also see sales of financial products in the community. Is this credible?

Docking one-to-one or many-to-one

Nowadays, guarantee companies can be seen in the streets and streets of Xi'an. Some even send employees to the community to attract private funds with high-interest financial management services. The reporter saw a guarantee company launched in a community in the western suburbs. Wealth management business, annual income reached 12%. The reporter consulted a guarantee company as a customer. The staff introduced that the personal information was registered after the company came in and the requirements were also recorded. The guarantee company found matching customers through screening. The three parties guaranteed the company to sign the loan contract in person. Guarantee contract. The staff member said that through one-to-one docking, the money was directly deposited into the user's account, and the difference between the borrower's interest and the lender's income was earned. Sometimes many small amounts are pooled together and loaned to individual small and medium-sized enterprises that need funds. This is a many-to-one operation.

Tiecheng Guaranty teaches you how to identify a formal guarantee company. There are four main points about how to distinguish whether a guarantee company is formal or not. One is to know that any investment has risks. Good guarantee companies will have a complete risk control system and an excellent mechanism for continuous learning of risk prevention and control. Second, look at the rigor and legality of the legal text. Formal guarantee companies strictly abide by national laws and regulations, will not operate illegally for short-term benefits, and will not touch the "high-voltage line" of the industry. The rights of the three parties in the contract and their respective obligations are clearly defined. In addition, you can learn from the key company's key years of employment, the number of customers, and no overdue days. You can also judge a company's corporate culture, discipline, and other details from the details of employees' clothing, quality, behavior, number of people, and salary levels. In addition, it should be noted that a financing guarantee company must have a financial license on the basis of a business license, tax registration certificate, and organization code certificate.

1.Be vigilant in the face of possible risks

Entering the market transaction is to enter the field of interest games. It is like walking on the ice across the river in winter. Tiecheng guarantees you to remind you to repeatedly think about the market because of policy changes, hot money inflows, institutional performance variability, and investor mentality changes. Risk of "ice cracking" that may be triggered. As long as one of these factors changes, they will continue to be amplified or offset each other under the psychological role of the investment group. This amplification or offsetting effect is reflected in the market and new comprehensive information will be formed. Therefore, investors face a five-dimensional The information structure of the state, which has an adverse effect on investor psychology, will also trigger a new mutual reflection process. Therefore, in the face of other gamers of interest, investment must be in awe, and the impact of policy, performance, and investment mentality changes on market conditions must not be taken lightly.

Under the above combination of changes and their interactions, if investors can obey the laws of economic movement, they will find that listed companies that are truly capable of maintaining performance growth are not developed through marketing, they have things in them, and they are not in conflict with policies. Do not work against the market, respect customers, and abide by the ethical bottom line, so it will not disturb investors' eyes on public information.

2. Do not make frequent transactions and reduce short-term operations

In the face of various natural or social disturbances of information or noise, investors need to take advantage of information (information) to fight (profit), they must first get rid of the interference of information on their emotions, calm nature, maintain inner peace, and chaos The heart calms down and does not make short-term operations excessively, so that it can survive quietly and lastingly and win the "long-distance running" victory.

This statement seems to be different from the "faster, higher, stronger" Olympic spirit. "Faster, higher, and stronger" originally inspired athletes to continue to participate in sports, strive for progress and make breakthroughs in self-seeking. It is more a manifestation of a spirit of hard work, a tenacious spirit, and continuous improvement. This is in line with the spirit of "strength in heaven, gentleman's self-improvement" advocated by the Chinese nation.

However, Chinese culture not only pays attention to movement, but also pays attention to keeping quiet. Therefore, there is a "topography, gentleman with virtue." To conform to nature, it should move when it is moving, and it should be still when it is still. In modern times, due to the relationship between some people and foreigners, the concept of "life lies in movement" is deeply rooted in the hearts of the people, and Chinese securities investors operate frequently in the short and medium term. When some people lament that the contemporary Chinese have lost their "soft" and "slow" operating capabilities, our turbulent hearts may not yet feel. Calmness, such as Xu Xuchun, can calm the impetuous heart; calm down, can act like the wind, and can move towards investment goals in the long run.

3. Not only reduce short-term operations, but also do not set excessive investment goals.

There is no perfect thing in the universe. Excessive pursuit can lead to negative effects. Therefore, investors can invest in profitability goals at a moderate, timely and moderate level, and must not endlessly pursue things that are impossible to achieve for personal desires. In the law of value, due to the interaction between nature and society, there are only elliptical, curved and fluctuating market developments. Since the markets are all going through twists and turns, they are all going through twists and turns, it is impossible to have a kind of market under continuous upward or downward force.

4. Look for companies that are wise and ignorant, less aggressive, and reduce conflicts to invest.

The survival and development of the company will face the constraints of policies, resources, and markets to the outside, and management, technology, and capital constraints to the inside. In order to effectively cooperate with national policies, industry competition, and market development, and to excel in technological upgrading, quality assurance, brand management, product design, and marketing planning, we can develop new combinations in various combinations and form new spaces for profit.

Therefore, investors should look for companies that avoid homogeneous or price-competitive centers, avoid companies that fight in the "Red Sea" price, and pay more attention to those who can find a new way, focus on the difference, differentiate, and develop in "silence" Good company out of the blue market. For example, with the increase in the average wage of workers starting in 2010, due to its large marginal consumption effect, it will inevitably lead to a large expansion of food and clothing consumption, and brand clothing and food consumption may therefore have a continuous consumption boom. In this context, companies that can differentiate themselves in brand and channel, and meet consumer upgrade and enjoyment needs may stand out.

Investment guarantees are a popular investment option. Compared to other types of investment, it has the following specific benefits:

Safe and reliable: Investment principal is guaranteed.

Ensuring growth: Fixed-rate investment guarantees ensure that the interest earned can accurately predict the total value of the investment at maturity.

Prime rates: Investment guarantees provide highly competitive rates.

Flexible term: Different types of investment guarantees have different options to choose the term that best suits you, from one day to 5 years, 7 years, or 10 years.

Flexible payment: Some investment guarantees can choose how to charge interest earned, such as monthly, yearly, or only when due.

Investment guarantee is a safe investment that can provide protection for investors' funds. Choose investment guarantee, the interest earned by the investor's investment will be based on

Loan guarantee business

1.Enterprise

I. Project Application

1. Customers go to the company to inquire about guarantee business; they can also apply for guarantee business on the websites of various companies.

2. The project contact person asks the customer to read the "Customer Manual", and fills in the "Customer Interview Transcript" according to the customer's situation and responds to the customer within three working days.

3. The contact person issues opinions based on the contents of the "Customer Interview Record" and submits it to the department for preliminary review and selection;

4. Issue the "Project Acceptance Notice" after screening and enter the review stage; or issue the "Project Disposal Opinion" to be rejected.

Project review

1. Notify the client to prepare relevant materials and complete the "Project Declaration Form".

2. The project manager conducts a written review of the information provided by the client, conducts field investigations on the authenticity, legitimacy, and feasibility of the "project declaration form" and the attached data submitted by the client. After the information is summarized, the legal department will issue a law Review submissions and submit to secondary review;

3. After passing the secondary review and implementing the relevant conditions, the project manager issues a project review report and reports it to the company's review and insurance committee. In the case of a local enterprise applying for a guarantee project, the on-site review work shall be completed in principle within ten working days from the start of project acceptance; in principle, the on-site review of a foreign company applying for a guarantee project shall be completed within fifteen working days. The investigation costs shall be borne by the enterprise.

III. Project decision-making approval According to the second-level review opinions and review report, it is reviewed by the company's review and insurance committee and submitted to the decision-making agency for approval. From the acceptance of the project, the enterprise shall be notified in writing within 17 working days to complete the guarantee formalities (or make a reply without a guarantee); the enterprise in another place shall be extended to 20 working days.

IV. Completion of guarantee procedures

1. For projects that have been approved and approved for guarantee, a letter of intent guarantee is issued for the relevant bank.

2. Sign relevant legal documents such as "Entrusted Guarantee Contract", "Anti-guaranteed Mortgage Contract" or "Anti-guaranteed Mortgage Contract", "Supervision Agreement" and other relevant legal documents, and improve legal procedures such as contract notarization, mortgage registration of mortgages, and insurance.

3. After approval by the bank loan review committee, sign a "guarantee contract" with the loan bank. The loan bank will formalize the loan disbursement procedure to the borrower, and at the same time the loan bank will send a loan notice to the guarantee company. The company formally fulfils its guarantee obligations and collects guarantee fees in accordance with regulations.

Fifth, follow-up tracking

1. According to the legal documents such as the "Supervision Agreement" signed with the enterprise, the project manager will conduct in-depth loan business investigations on the use of loan funds, bank account funds in and out, and progress of project implementation during the coverage period on a monthly (quarterly) basis. ;

2. If problems are found during the operation of the project during the inspection, measures must be taken immediately, and the existing problems and preliminary treatment opinions should be reported to the department manager in written form within two days.

3. One month before the loan maturity date, the guarantee department shall notify the guaranteed enterprise in writing to prepare the loan repayment funds.

Termination of guarantee

The completed guarantee projects shall be completed in time for the cancellation of mortgage registration and other project termination procedures, and the original mortgaged materials shall be returned to the guaranteed enterprise.

Compared with the development history and level of the guarantee industry in developed countries, credit guarantee is relatively new in China.

The guarantee method refers to the method of realizing the use of security rights and responsibilities as stipulated in the guarantee law, including five methods of mortgage, pledge, guarantee, lien and deposit. In particular, the guarantee belongs to PICC, and the credit guarantee we often refer to is Belongs to the property protection.

With regard to the scope of the use of guaranty behavior, in the relationship between the rights and liabilities guarantee law, other improperly profitable debts and civil and commercial activities for which guaranty can be established are abundant. Both the guarantee law and the judicial interpretation of the guarantee law have a comprehensive understanding of guarantees.

In the practice of guarantee business, guarantee companies are also working hard to explore, establish a guarantee style based on the original guarantee method, regulate legal risks, and promote the smooth development of guarantee business.

As a guarantee company, how to quickly improve its risk management capabilities, we believe that practicing internal skills is the key. The first thing a guarantee company must deal with is how to improve its ability to manage risks. In the following aspects, we will make great efforts. Practice internal skills and complete the construction of our risk management system.

First of all, it is necessary to form a sound internal control mechanism and a business check and balance mechanism. The guarantee company should establish a check and balance internal control system to prevent risks through collective wisdom. The guarantee company can set up three parts in the middle, back and forth stages, and guarantee business as a development department. The guarantee department needs to make clear division of responsibilities and check and balance each other.

Establish a scientific risk assessment system. The establishment of a risk assessment system is very important for the guarantee company. It evaluates the guarantee risk and reduces human error. The guarantee company evaluates the client based on the reference and conducts a comprehensive evaluation based on the characteristics of the client.

Investment guarantee companies want to follow the path of sustainable development. Without innovation, innovation is also very important. Looking at the development situation, only through innovation can we solve the dilemma of development, and only by continuous innovation and truth-seeking. The realization of income risk from the mechanism, widening the source channels, so that the entire industry has a sustainable outbreak.

The continuous innovation of anti-guarantee measures. The use of counter-guarantees is the key to guarantee companies to avoid risks. From a general perspective, guarantee companies should pay more attention to anti-guarantee measures. Guaranty companies can not only really solve the problem of insufficient guarantees of guarantors. The borrower's performance can be urged.

The continuous innovation of services, guarantee companies adhere to the people-oriented, customer-oriented, popular customer first principle, in addition to customer surveys, but also borrowed from other companies' methods, to brainstorm forums, dedicated to research on innovative services Explore. In the future, with the rapid development of the guarantee business, the business continued to develop and adapted to the needs of market competition.

The innovation of management methods, after continuous management time, the guarantee company has also continuously formed a clear business management concept, tried the customer manager rating method, proposed the concept and performance management mode, greatly improved Motivation and initiative of employees.

The guarantee company also needs to carry out information construction. The collection of information is very important. Only by implementing "centralized" management of information can we bring us better innovation.