Port communicationFinancing guarantee refers to the principal and interest repayment guarantee provided by the guarantor for the guaranteed person to finance the beneficiary.。Financing options include：loan、issue securities(Excludes stocks)、overdraft、Deferred payment and credit line granted by the bank, etc.。Financing guarantee has dual attributes of financial and intermediary nature，Belongs to a special financial intermediary service。
connotation：The dual attributes and characteristics of finance and intermediary：financial、Diversity、Rigidity of performance obligations、Proportional sharing of responsibilities Financing guarantee is one of the main types of guarantee business，along with business credit、A kind of credit intermediary behavior arising from the development needs of financial credit and the financing needs of the guaranteed objects.。
Credit guarantee agencies intervene in financial institutions including banks、between corporate or individual fund lenders and fund demanders, mainly businesses and individuals，As a third-party guarantor, provide credit guarantee to the debtor and the creditor - guaranteeing the debtor to fulfill the responsibilities and obligations agreed in the contract or other types of funds.。 in the nature of its business，Financing guarantee has dual attributes of financial and intermediary nature，Belongs to a special financial intermediary service。
It provides financing guarantee services to both fund suppliers and fund demanders by using its own third-party credit.，To facilitate the completion of transactions between both parties。In the process of carrying out financing guarantee business，Credit guarantee institutions have to complete two aspects of work:：on the one hand，It is a credit assessment of the fund demander；On the other hand, it is to provide fund suppliers with proof of their own creditworthiness.，Obtain its recognition of its credit guarantee qualifications and contract performance capabilities。
Property rights guarantee mainly manifests itself in the mortgage and control of project assets.，Includes real estate assets for the project (such as land、buildings, etc.) and tangible personal property (such as machinery and equipment、Finished product、Semi-finished products、(raw materials, etc.) mortgage，For intangible personal property (such as contractual rights、Company bank account、Patent rights, etc.) Setting up security rights and other aspects，If the debtor fails to perform its obligations，Creditors can exercise their rights over the collateral to satisfy their own claims。
There are two forms of security for property:： Mortgage。Transfer of ownership of an asset to a creditor (mortgagor) for the purpose of providing security，but subject to an express or implied condition，That is, the ownership of the asset should be transferred back to the debtor after the debtor performs its obligations.。 guarantee。This form does not require transfer of possession of assets and interests or transfer of ownership，rather an agreement between a creditor or debtor。
A guarantor guarantee is a commitment made in the form of a legal agreement，The guarantor assumes certain obligations to the creditor。Obligation can be a secondary legal commitment，That is, when the guaranteed party (principal debtor) fails to perform its obligations to the creditor (guaranteed beneficiary) (default)，Must assume the contractual obligations of the guaranteed party。 Project investors as guarantors。Project investors establish a specialized project company to operate the project and arrange financing。
Use a third party with an interest in the project as a guarantor。 commercial guarantor。Providing guarantees as a means of profit，Bear project risks and receive guarantee services
cost
。Commercial guarantors reduce their own risks through diversified operations。The guarantee service provided by the commercial guarantor is to guarantee the obligations that project investors must bear in the project or project financing.。
This type of guarantor is usually a commercial bank、Investment companies and some specialized financial institutions，The guarantee provided is generally a bank letter of credit or bank guarantee。 2Loan guarantee Edit Loan guarantee is a third-party guarantee provided by a guarantee institution to lenders (financial institutions) and borrowers (mainly industrial and commercial enterprises and natural persons)。The guarantee agency guarantees that if the borrower fails to repay the principal and interest within the time limit stipulated in the loan contract,，Responsible for paying the unpaid principal and interest due to the borrower。
The loan guarantee contract takes effect when the borrower receives the loan amount，It expires after the borrower or guarantor repays the principal and interest.。Loan guarantee is the main business of credit guarantee institutions，Its main purpose is to alleviate the financing difficulties of enterprises，Decentralized bank lending、Risks that may arise from corporate financing，Play a role in ensuring the safety of credit loans、The role of promoting enterprise development。
3Pay attention to details Edit first，Small and medium-sized enterprises should try their best to choose companies with high social credibility、Good credit、Strong、Complete procedures、Excellent risk control system、Operation Planning Guarantee Company。It is best to check the relevant certificates and licenses of the guarantee company first.，Depend on how much its registered capital is、Business scale，To judge its operating strength；Secondly, you can view its past guarantee cases，Check whether it is operated legally，Guarantee companies with state-owned assets background have done relatively well in this regard.。
second，Small and medium-sized enterprises should not easily trust guarantee companies that claim that they do not require mortgage loans。“There is no such thing as a free lunch”，No one is willing to lend you money without proof。Small and medium-sized enterprises should not be tempted by various high returns.，You must know that high returns must be accompanied by high risks。 third，Small and medium-sized enterprises should not think that the more loans they can obtain, the better。If an enterprise wants to achieve steady development，Make your own plans，Financing also requires a certain degree of control、act within one's ability。
[1] 4Business Classification Edit 1、indirect financing guarantee (1)loan guarantee：bank loan guarantee、Private loan guarantee (2)trade finance guarantee：Letter of credit guarantee、commercial paper acceptance、with discount guarantee、Factoring of accounts receivable、Financial lease guarantee 2、Direct financing guarantee Bond guarantee、Fund guarantee(capital guaranteed fund)、Trust plan guarantee、Asset Securitization 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。
