Port communication深圳融资性担保公司监管
Require
In order to strengthen the supervision and management of financing guarantee companies，Standardize financing guarantee activities，Promote the healthy development of the financing guarantee industry，Specially regulate from the following aspects:： one、Conditions for registration of financing guarantee companies： (1) Shareholders holding more than 5% of the equity have good credit records，*No records of major violations of laws and regulations in the past three years；(2) The registered capital is not less than RMB 20 million，and is paid-in monetary capital； (3) Proposed directors、Supervisors and senior managers meet the qualifications for office as stipulated in Article 10 of these Regulations；(4) Have sound business operating specifications、Internal management systems such as business risk control。
two、Financing guarantee companies may engage in some or all of the following financing guarantee businesses:：??(1) Loan guarantee；??(2) Bill acceptance guarantee；??(3) Trade financing guarantee；??(4) Project financing guarantee；??(5) Letter of credit guarantee；??(6) Guarantees for bonds and other financial products；??(7) Other financing guarantee business。
??Except for the business specified in the preceding paragraph，Upon approval, a financing guarantee company may concurrently engage in some or all of the following businesses:：??(1) Bid guarantee、Project guarantee、Property preservation guarantee and other non-financing guarantee business；??(2) Financing consultation related to guarantee business、Financial advisory and other intermediary services；??(3) Fund utilization with own funds； (4) Other businesses specified by the supervision and management department。
Issues that financing guarantee companies should pay attention to during their operations： 1、Financing guarantee companies shall comply with the law、Administrative regulations and relevant national regulations，Establish and improve guarantee project review、Post-guarantee management、Business rules such as recovery and disposal，and carry out risk classification management on guarantee liabilities and assets.。2、Financing guarantee companies should abide by prudent operating rules。
including risk management、internal control、Asset quality、Use of funds、reserves、risk concentration、Related party transactions、Asset liquidity, etc.。3、should be carried out in accordance with relevant national regulations，Establish and improve financial management system，Truly record and reflect the financial status of the company、Operating results and cash flows。
4、Carry out financing guarantee business，A written contract should be concluded with the relevant parties，risk sharing、fair and reasonable principle，Determine the proportion and method of risk responsibility for each party。
three、Financing guarantee companies shall not engage in the following activities：??(1) Taking deposits or taking deposits in disguised form；??(2) Granting loans or being entrusted to grant loans；??(3) Entrusted investment or entrusted financial management；??(4) Providing guarantees for financial products issued in violation of state regulations；??(5) Law、Other activities prohibited by administrative regulations。
Four、Unless otherwise stipulated by the state，The balance of financing guarantee liabilities of a financing guarantee company shall not exceed 10 times its net assets.。??The ratio of the balance of financing guarantee liability provided by a financing guarantee company to a single guaranteed party and its related parties and its net assets shall not exceed the upper limit prescribed by the state.。
five、Financing guarantee companies shall not be their controlling shareholders、The actual controller provides financing guarantee；Providing financing guarantees to other related parties must be approved by the board of directors，And the conditions for providing guarantees shall not be better than the conditions for providing similar guarantees to unrelated parties.。 If you want to know more about the financing guarantee company, please call me directly.
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