Port communicationFinancing guarantee companies should establish and improve corporate governance structures in accordance with the law，Improve the rules of procedure、Decision-making process and internal audit system，Maintain the effectiveness of corporate governance。如何注册一家融资性担保公司 跨省、autonomous region、Financing guarantee companies that set up branches in municipalities directly under the Central Government，There should be two or more independent directors。
第二十三条融资性担保公司应当建立符合审慎经营原则的担保评估制度、decision making process、Post-event recovery and disposal system、Risk warning mechanism and emergency response mechanism，and formulate strict and standardized business operating procedures，Strengthen risk assessment and management of guarantee projects。 第二十四条融资性担保公司应当配备或聘请经济、finance、law、Professionals with relevant qualifications in technology and other fields。
across provinces、autonomous region、Financing guarantee companies that establish branches in municipalities directly under the Central Government shall establish a chief compliance officer and a chief risk officer。Chief Compliance Officer、The chief risk officer should have relevant qualifications such as lawyer or certified public accountant，And personnel with financing guarantee or financial industry experience serve as。
第二十五条融资性担保公司应当按照金融企业财务规则和企业会计准则等
Require
，Establish and improve financial accounting system，Truly record and reflect the financial status of the company、Operating results and cash flows。 第二十六条融资性担保公司收取的担保费，Depending on the risk level of the guaranteed project，Determined through independent negotiation between the financing guarantee company and the guaranteed party，However, it shall not violate relevant national regulations。
第二十七条融资性担保公司对单个被担保人提供的融资性担保责任余额不得超过净资产的10%，The balance of financing guarantee liability provided to a single guaranteed party and its related parties shall not exceed 15% of the net assets.，The balance of guarantee liability provided for the bond issuance of a single guaranteed party shall not exceed 30% of the net assets.。 第二十八条融资性担保公司的融资性担保责任余额不得超过其净资产的10倍。
第二十九条融资性担保公司以自有资金进行投资，limited to treasury bonds、Fixed-income financial products with high credit ratings, such as financial bonds and large corporate debt financing instruments，and other investments where there is no conflict of interest and the total amount does not exceed 20% of net assets。 第三十条融资性担保公司不得为其母公司或子公司提供融资性担保。
第三十一条融资性担保公司应当按照当年担保费收入的50%提取未到期责任准备金，And withdraw the guarantee compensation reserve at a rate of no less than 1% of the balance of guarantee liability at the end of the year。The cumulative guarantee compensation reserve reaches 10% of the balance of guarantee liability for the year，Implement difference withdrawal。The methods for withdrawing the difference and the management methods for the use of guarantee compensation reserves shall be formulated separately by the regulatory authorities.。
Regulatory authorities may, based on the liability risk status of financing guarantee companies and the needs of prudential supervision,，Proposing to increase the ratio of guaranteed compensation reserves
Require
。 Financing guarantee companies shall implement risk classification management of guarantee liabilities，Accurately measure guarantee liability risks。 第三十二条融资性担保公司与债权人应当按照协商一致的原则建立业务关系，and clearly stipulate in the contract how to assume the guarantee liability.。
第三十三条融资性担保公司办理融资性担保业务，It should be agreed with the guaranteed party that relevant information can be continuously obtained during the guarantee period and that the party has the right to verify relevant situations.。 第三十四条融资性担保公司与债权人应当建立担保期间被担保人相关信息的交换机制，Strengthen credit guidance and supervision of guaranteed persons，Jointly safeguard the legitimate rights and interests of both parties。
第三十五条融资性担保公司应当按照监管部门的规定，corporate governance、financial accounting report、risk management status、Capital composition and utilization、Inform relevant creditors of the overall situation of the guarantee business and other information。
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