Port communication融资担保 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；(f)Other financing guarantee business。
at the same time，Approved by regulatory authorities，Financing guarantee companies can concurrently engage in some or all of the following businesses:：(a)Litigation Preservation Guarantee；(b)bid security、advance payment guarantee、Project performance guarantee、Other performance guarantee services such as guarantee for repayment of final payment as agreed；(c)Financing consultation related to guarantee business、财务顾问等中 介服务；(d)Invest with own funds；(e)Other businesses specified by regulatory authorities。
also，Financing guarantee companies can provide re-guarantee for the guarantee liabilities of other financing guarantee companies and handle bond issuance guarantee business，However, the following conditions must be met at the same time：(a)No violations in the past two years、Bad record of violations；(b)Other prudential conditions specified by regulatory authorities。in，Financing guarantee companies engaged in re-guarantee business must meet the above-mentioned conditions in addition to，Registered capital should be no less than RMB 100 million，And operate continuously for more than two years。
四监管体制依据《融资性担保公司管理暂行办法》（中国银行业监督管理委员会、National Development and Reform Commission of the People's Republic of China、Ministry of Industry and Information Technology of the People's Republic of China、Ministry of Finance of the People's Republic of China、Ministry of Commerce of the People's Republic of China、People's Bank of China、国家工商行政管理总局令2010年第3号）及各地域融资性担保公司管理暂行办法进行监管。
部分监管指标：1.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.。2.The balance of financing guarantee liabilities of a financing guarantee company shall not exceed 10 times its net assets.。
3. 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。五融资担保公司业务来源之银行担保担保是金融业常见的业务，也是我们第三方金融界不可不提的重要内容。
下面来给大家扒一扒担保业务中和银行有关的银行融资担保。(a)银行流动资金贷款担保是为企业申请银行流动资金贷款以满足其生产经营活动中临时性、季节性资金需要而提供的担保。
根据企业的实际需要，流动资金贷款担保可分为：临时性流动资金贷款担保：期限一般不超过三个月，主要是为企业一次性进货的临时资金需要或弥补其他支付性资金不足而提供的短期贷款担保支持。短期流动资金贷款担保：期限一般在三个月到一年，主要为企业正常生产经营周转资金贷款提供担保。
中期流动资金贷款担保：期限一般在一年以上、三年以内，主要为企业正常生产经营中经常占用资金贷款提供担保。高综合授信项下流动资金贷款担保：企业与银行一次性签订借款合同、与担保公司一次性签订高额保证合同。在合同规定的有效期内，企业可以多次提款、逐笔归还贷款、循环使用贷款资金。
(b)银行固定资产投资贷款担保为企业申请银行固定资产投资贷款以用于新建、Expansion、改造、开发与购置设备等目的担保。贷款担保期限可根据企业实际情况一般为三年以上。(c)银行票据担保为流动资金项下的银行票据(银行承兑汇票和信用证)贴现业务提供的保证。
票据贴现业务是指持票人在票据到期前为获得资金而将票据权转让给银行的行为。提供保证的期限一般为三个月至半年。(d)银行保函担保为企业在银行开具得保函(包括履约保函、advance payment guarantee、付款保函、投标保函等)业务提供的保证。
个人类客户银行融资担保个人类客户银行融资担保业务包括：汽车贷款担保业务、房贷担保业务、个人经营性贷款担保业务、个人消费信贷担保业务等。
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