What is an investment guarantee company and what is a guaranteed investment

Do investment and financing to understand the space for understanding.

Legal analysis: Guaranteed investment is a way for institutions or individuals to invest and earn profits by providing guarantees for others in order to pursue economic interests.

Legal basis: Article 386 of the Civil Code of the People's Republic of China The holder of the security interest shall enjoy the right to receive priority in the repayment of the secured property in accordance with the law in the event that the debtor fails to perform the debts due or the parties agree to realize the security interest, except as otherwise provided by law.

Investment guarantee companies are legal companies registered in accordance with the provisions of the Company Law, and investment guarantee companies are also legal. Before investing in a guarantee company, it is necessary to check the qualifications of the guarantee company and check the company's credit status to avoid unnecessary legal risks.

Article 23 of the Company Law of the People's Republic of China The following conditions shall be met for the establishment of a limited liability company: (1) The shareholders meet the quorum; (2) The amount of capital contribution subscribed by all shareholders in accordance with the provisions of the articles of association of the company; (3) The shareholders jointly formulate the articles of association; (4) Have the name of the company, and establish an organizational structure that meets the requirements of the limited liability company; (5) Have a company domicile.

1. What is an investment guarantee company?

An investment guarantee company is an intermediary company that guarantees the financing of small and medium-sized enterprises to make a profit by earning the difference in profits. There are three types: small, medium and large. In China, there are only two types of private financing enterprises: guarantee companies and pawnshops.

SME credit guarantee refers to the agreement between the guarantee company and the bank and other creditors that when the guaranteed SME fails to perform the debts agreed in the contract, the guarantee company shall assume the agreed responsibilities or perform the debts. When the small and medium-sized enterprises themselves are unable to provide sufficient loan guarantees, the guarantee company assumes certain risks and responsibilities as a third party, and connects small and medium-sized enterprises and commercial banks through standardized operation, so as to guide the smooth flow of social capital, especially bank funds, to small and medium-sized enterprises.

From a macro point of view, credit guarantee can reduce the risk of creditor's rights and strengthen the role of creditor's rights, thereby playing an important role in standardizing the order of credit transactions, strengthening the security of credit transactions, maintaining the stability of social and economic relations and promoting the orderly development of the market economic environment. However, from a micro point of view, the essence of credit guarantee is the process in which banks transfer the loan risk of small and medium-sized enterprises to the guarantee company and the guarantee company to resolve the risk with its own risk management ability.

2. What kind of business does the investment guarantee company operate?

Guarantee companies usually have three main businesses: guaranteed financing and financial management.

In a word, it is: you are rotten and contributed, he takes out a loan, and I guarantee it.

The details are: Zhang San borrowed, Li Si contributed, and the guarantee company made a guarantee, if Zhang San did not repay the money, the guarantee company would repay Li Si.

To be more specific: Zhang San wants to borrow 100,000 yuan for a period of one year, and has a property worth 200,000 yuan as collateral. And Li Si has 100,000 yuan, the two sides don't know each other, and they don't trust each other.

At this time, a powerful person is needed to stand up and be an intermediate guarantor. This person is the guarantor company.

During this period, the role of the guarantee company is that the three parties sign the loan contract and notarize it by the notary office. Then assist in mortgaging the property to Li Si, Li Si lent 100,000 yuan to Zhang San, Zhang San needs to pay 5,000 yuan to the guarantee company (River Mengqi leaks South Province investment guarantee **** fee standard) guarantee fee, during which the guarantee company urges Zhang San to play 1150 yuan interest to Li Si every month, and will call ** to Li Si to check the interest on time, after the loan expires, if Zhang San is unable to repay the loan, at this time the guarantee company will pay 100,000 yuan to Li Si in advance. Then take the notarized contract to the court to forcibly auction Zhang San's property to recover the loan.

For the investor Li Si, the interest is collected on time, and the principal is 0 risk.

For Zhang San, he can quickly finance and achieve business turnover.

For the guarantee company, it is necessary to control the risk and achieve profits.

During this period, the Guaranty Company only charges the lender's guarantee fee, and the funder does not have to bear any fees.