Professional agency Shenzhen Financing Guarantee Company

Professional agency Shenzhen financing guarantee company Professional agency financing guarantee company Handling financing guarantee company 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。 So how to register a financing guarantee company? Guide to investing in Qianhai registered financing guarantee companies。

Important points to note：What is often overlooked when registering a financing guarantee company is to differentiate between credit guarantees，cannot be confused with。

For the guarantee industry，This is a relatively big difference，Financing guarantees require the secured party to provide some counter-collateral (collateral) to the guarantee company.，Mortgage registration is usually required；Credit guarantees usually require a guarantee company to conduct an in-depth review of the entire enterprise.、Comprehensive understanding，Then grant the secured party a certain credit line，Within this credit scope，The guarantee company provides guarantee to the guaranteed party，No collateral is required from the secured party。。。

But both have to pay a guarantee fee。from another perspective，Financing means that the guarantee company invests in the guaranteed party，So we need collateral，Because once compensation occurs，The guarantee company can dispose of the collateral to protect its own interests；Credit guarantees purely support the development of the guaranteed party.，But once compensatory behavior occurs，The interests of the guarantee company will not be protected；So the risks are very different between the two.。

Financing guarantee company registration

Require

and process： 1、Major shareholders must meet the following conditions： ??Good credit、Strong strength。 Continuous operation for more than 3 years，Profitable in the last two consecutive fiscal years，The cumulative net profit in the past three years has been more than 10 million yuan，The asset-liability ratio is not higher than 70%，Net assets are not less than 50 million yuan，In principle, after the implementation of this project, the long-term investment amount shall not exceed 60% of the net assets.。

? 2、Shareholders' capital contribution

Require

： ??(1) Initiated and established by a corporate legal person as the main sponsor，In principle, the shareholding ratio should not be less than 30%；Initiated and established by two corporate legal persons as the main sponsors，In principle, the shareholding ratio shall not be less than 20%.；Established by a natural person as the main sponsor，Should hold no less than 10% of the equity。

??(2) Generally the sponsors should have certain industry background、Sustained investment capabilities and risk tolerance，In principle, the capital contribution shall not be less than 5 million yuan and the shareholding ratio shall not be less than 1%.。 ? 3、Registered capital： ??Registered capital shall not be less than 100 million yuan，and make a one-time payment in currency，And may not use loan funds or funds entrusted by others to invest in shares。

?4、Have qualified directors、supervisor、Senior managers and qualified practitioners： director、supervisor、Senior managers should comply with the "Directors of Financing Guarantee Companies"、supervisor、Qualifications stipulated in the Interim Measures for the Management of Qualifications for Senior Managers，Familiar with the economy、finance、Guarantee laws and regulations，Have a good sense of compliance and prudent business operations，Possess knowledge appropriate to the proposed position、experience and ability。

Senior managers should have been engaged in guarantee or financial work for more than 3 years，Or have been working in related industries for more than 5 years。

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