Port communicationConditions for establishing a financing guarantee company， 融资性担保公司的担保杠杆是注册资本的10倍，一般担保公司的担保杠杆等同于注册资本。 at present，很多P2P平台都采取与担保公司合作的形式，但这些借款项目来源都是由担保担保公司提供，然后借款项目再由担保公司提供担保。
从这个意义上讲，看起来好像是担保公司给平台担保，实际上更像是平台给担保公司担保。(主要是目前大多数 P2P平台都是承诺保本保息，担保公司不履行贷偿只能由平台垫付) 由于担保公司一般都比P2P平台成立时间长，因此其积累下来的坏账往往也会更高一些。
目前一些担保公司也会出现倒闭的问题，这会给那些与之合作的P2P平台带来经营风险。 还有一种平台采取关联担保或者自我担保形式，比如平台合作的担保公司与P2P平台的法人为同一个人，这种形式我们认为是自我担保。还有一种是平台的股东是担保公司的法人或股东，我们认为这种形式是关联担保。
由于自我担保和关联担保都存在利益关系，如果出现借款人逾期或违约，担保公司是否有能力履行代偿很难确定。certainly，这种担保形式也违背了第三方担保的原则。 in addition，我们在投资过程也需注意，P2P平台与担保公司签订的担保协议，根据担保责任的不同有两种。一是一般责任担保。二是连带责任担保。
一融资担保及融资担保公司定义 融资担保是指担保人为被担保人向受益人融资提供的本息偿还担保。Financing options include：loan、issue securities(Excludes stocks)、overdraft、Deferred payment and credit line granted by the bank, etc.。 Financing guarantee company refers to a company established in accordance with the law，Limited liability companies and joint stock companies operating financing guarantee business。
Financing guarantee refers to the agreement between the guarantor and creditors such as banking financial institutions，When the guaranteed party fails to perform the financing debt owed to the creditor，The guarantor assumes the guarantee liability stipulated in the contract in accordance with the law。
二设立条件 设立融资性担保公司，The following conditions should be met： (a)Have articles of association that comply with the provisions of the Company Law of the People's Republic of China； (b)Have shareholders with the ability to continuously contribute capital；（法人股东持续经营3年以上，近的两个会计年度盈利，3年净利润累计在1000万元以上，The asset-liability ratio is not higher than 70%，Net assets are not less than 50 million yuan。
Natural person shareholders have certain industry backgrounds，个人资产是出资额的两倍。且所有股东无重要不良信用记录，无重大不良从业记录和无违法犯罪记录。） (c)Have registered capital that complies with the provisions of these Measures； 融资性担保公司注册资本不低于一亿，And it is actually paid。
(d)Have qualified directors、Supervisors and senior managers and qualified practitioners；（高管人员从事担保或金融工作3年以上或从事相关工作5年以上。） (e)Have a sound organizational structure、Internal control and risk management system； (f)There is conformity
Require
business premises； (g)Other prudential conditions specified by regulatory authorities。
三经营范围 经监管部门批准，Financing guarantee companies may operate some or all of the following financing guarantee businesses:： (a)loan guarantee； (b)Bill acceptance guarantee； (c)trade finance guarantee； (d)project finance guarantee； (e)Letter of credit guarantee；
About Hong Kong Xintong
Hong Kong Xintong focuses onGuangdong and Hong Kong license plates、Shenzhen Hazardous Chemicals Business License、Shenzhen labor dispatch licenseandShenzhen Charity Foundationapplication services，Assist customers to applyShenzhen travel agency business license、Shenzhen pawn shop business license、Shenzhen auction house license and other mainstream domestic financial licenses，Support enterprises to achieve compliance expansion of cross-border financial business。Also availableODI overseas investment registration、International travel agency registration and other services，Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more，Please contactHong Kong Information Communications Consultant。
