Financing guarantees that must be distinguished from financing leases

We have already talked a lot about financial leasing.，However, many people do not know the difference between financing guarantee and financing lease.。Today we will talk about financing guarantee in detail，Understand the concept of financing guarantee、Risk control and other related knowledge，It is natural to distinguish between financial lease and financial guarantee.。The following is the relevant knowledge on financing guarantees collected and compiled by Shanghai Yushang for everyone.，After everyone has read this article, let’s go back and think about financial leasing.，The difference between them is obvious。

one、Overview Financing guarantee is one of the most important 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 guarantees are mainly provided by financial institutions including banks、between corporate or individual fund lenders and fund demanders, mainly businesses and individuals，As a third-party guarantor, we provide credit guarantee to the debtor and creditors to ensure that the debtor fulfills its responsibilities and obligations under the contract or other financial agreements.。two、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 for both fund supply and demand parties 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 projects，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。

three、Financing guarantee business scope

1. loan guarantee bank loan guarantee、Private loan guarantee；
2. Trade Finance Guarantee Letter of Credit Guarantee、Commercial paper acceptance and discount guarantee、Factoring of accounts receivable、Financial lease guarantee；
3. direct financing guaranteed bond guarantee、Fund guarantee、Trust plan guarantee、Asset Securitization Guarantee。

Four、Financing guarantee business guarantee objects

1. Products are marketable、High technical content、Have development prospects、Conducive to increasing employment opportunities、There is a market that can drive local economic development、Effective、Various small, medium and micro enterprises with quick capital recovery；
2. Focus on supporting energy-saving、Environmentally friendly、High-tech industries and enterprises with independent intellectual property rights；
3. Planting and breeding shout out、family farm、Modern Agriculture Demonstration Park、ecological park、Grain and oil processing and other agricultural enterprises。

five、Financing guarantee business guarantee types

1. Trademark exclusive rights pledge guarantee；
2. Patent rights pledge guarantee；
3. Agricultural insurance policy pledge guarantee；
4. Small loan guarantee insurance guarantee、Internet financial guarantee、Financial product issuance guarantee。

five、Risk 1、Macro risk 1) Policy risk includes national and local macroeconomic policies、Industry policy、financial policy、Environmental protection policy、Tax policy and industrial policy, etc.，Although such policies cannot be controlled，But pay close attention、Timely understanding and in-depth research，And try our best to study and judge from many economic phenomena and public opinion guidance；2) Market risks require understanding of industry policies and related financial policies，Is it a supporting industry?；From the enterprise product structure、Production estimates and scale of operations，Understand the company's product market share and industry status，In particular, we need to understand the company's product R&D and innovation capabilities and ideas.，In this way, we can understand and judge the sustainable development capabilities of enterprises.。

3) Non-man-made natural disasters to avoid such risks，Can

Require

Business purchase property insurance，If the enterprise uses its insurance assets as collateral，The guarantee company should be listed as the first beneficiary。

1. Micro-risk 1) Personality risks of the company’s legal representative and his team. It is necessary to understand their character and personality through multiple channels.，Find out if they have bad habits，To judge their comprehensive quality and business management capabilities；2) Business risks: Detailed examination of the current status of business operations and management，Insight into its existing problems and flaws，Understand whether the company is aware of the existence of such problems，Are there any improvement plans and measures?，Are the improvement measures feasible and effective?。

3) Financial risks Understand the current status of corporate financial management、Is the financial system sound and complete?、Is it capable of execution?、Enterprise assets and liabilities。

Require

The enterprise shall submit relevant financial statements in a timely manner after the guarantee，It is best to submit financial statements once a month，Credit report and bank statements are submitted quarterly，In order to understand and grasp the company's cash in a timely manner、Changes in liabilities、Financial conditions such as operating results。

4) After guaranteeing the risk of the collateral, you must always understand and master the actual situation of the collateral.，Check whether the collateral has been damaged、转移、rent、Transfer, etc.。5) Legal risks: It is necessary to promptly understand whether the company is involved in litigation and violations of laws and regulations.。6) Trademark risk for companies with well-known and well-known trademarks，Pay special attention to whether it has been notified or even canceled due to product quality problems.、The occurrence of well-known trademark incidents，In particular, food and grain processing companies should pay close attention。

7) Environmental risks are particularly important for chemical companies that require environmental assessment.，Pay close attention and frequently log in to the Environmental Protection Agency website to check the occurrence of different types of risks.，according to its nature、as a result of、extent and impact，Take different approaches，Such as reminding enterprises to pay attention to、improve、Early loan recovery、Until litigation, etc.。

six、Guarantee industry

Advantages

1) Maximize single-family size 2) Diversify business varieties 3)Give full play to the functions of incubator and booster 4) Professional team、Advanced business management concepts 5) Guaranteed varieties are introduced and new products are introduced 7、The difference between financing guarantee and non-financing guarantee in business，Financing guarantee business is a franchise business，Mainly working with banks，Guarantee for the borrower，They have a bank line of credit。

Non-financing guarantee agency，Mainly doing things like litigation preservation guarantees、Bid guarantee and other performance guarantee business。The former can concurrently run the latter's business，The latter cannot operate the former's business。

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