欢迎光临深圳融和工程担保有限公司!
全国统一服务热线:0755-23940651

风险控制-英文

RISK
Thursday, 18 October 2018 02:24

Business process control and operation procedures

Written by

Chapter I General Provisions
The first article is to regulate the project guarantee of the Company limited by guarantee (hereinafter referred to as the financial security), and to improve the quality of the work of the project guarantee business.
Article second financial security business will strictly abide by the state laws and regulations, follow the principle of equality, voluntary, fair and good faith.
Second chapter guarantee business process
Article 3 engineering guarantee business program: engineering guarantee application engineering guarantee acceptance -- the investigation of engineering guarantee project engineering security audit, signed entrust contract guarantees (bid guarantee except charging premium and margin (bid bond roor) -- premiums the Ministry of finance, Invoicing -- the implementation of counter guarantee measures -- to send data to the bank (with the exception of the company guarantee) -- bank / company guarantee -- guarantee during management, renewal -- termination guarantee, letter of surrender -- evaluation of engineering guarantee guarantee - filing
Third chapter guarantee application
Fourth guarantees the applicant to fill in the "application for the project guarantee", and to provide the following information to the financial:
Qualified conditions of project content
1 enterprise business license legitimate business
2 enterprise information is true and effective
3 enterprise qualification level to meet the requirements of the project
4 financial statement of financial position
Three the performance of the contract shall be terminated, disputes, disputes, disputes, arbitration proceedings and proceedings shall be recorded in the 5 years of the performance of the contract.
6 tender documents in line with the provisions of real and effective
7 other documents required to be provided
Note:
1, the information provided are copies, but at the same time to provide the original preparation;
2, the information provided by the official seal;
3, the legal representative of the legal representative of the legal representative of the legal representative.
Fourth chapter project guarantee acceptance
Fifth project managers should receive the information from the date of two days to the customer to apply for information on the form of a comprehensive review, review
Through, to the applicant issued "project of the security information notification of acceptance, the acceptance notice stated that details, then its and the application, the applicant to provide the data after finishing bound volumes.
The fifth chapter of the security project survey
Sixth projects from the project manager A, B project team composed of project investigation team to investigate the project, the project guarantee the applicant to fill in the project guarantee comprehensive survey, the preparation of the project guarantee survey report, in the report should be clear to the investigation team's investigation, the head of the project is responsible for the first instance, by the company's risk audit department approval.
The sixth chapter project guarantee audit
Article seventh of the guarantee amount of five million yuan following the project, by the auditor (including economic auditor and legal auditor) audit, and then to the responsible person in charge of approval, and finally by the company's business director, general manager for review, after the nuclear pass, to the bank to deliver project information, such as the company guarantee project, directly to the customer to issue a letter of guarantee.
Article eighth for the security of the amount of five million yuan or more projects, risk auditor (including economic auditors and law
After the initial audit of the law auditor, the responsible person, the project sponsor, the company's business director, general manager of the company, the company's president, the review will be reviewed by the president's final signature confirmation, to the bank to deliver the project information, such as the company guarantee project, directly to the customer to issue a letter of guarantee.
Above all departments audit opinion are required to fill in the "engineering security assessment form".
The seventh chapter is the guarantee contract
Article ninth in the project security review, financial through the Guarantee Corporation and the client signed a corresponding contract of guarantee,
"Counter guarantee contract".
Before signing the contract, the contract blank is filled out by the applicant, then the legal Auditor / legal consultant for the corresponding "entrusted security contract" and the sub "anti guarantee contract" for review, and put forward a written audit opinion, the audit through the applicant and financial Guarantee Corporation signed. After signing the contract, the Ministry of construction of the project is to fill in the registration form of the contract of the project.
The eighth chapter is the premium
Tenth premium is generally in accordance with the amount of the guaranteed amount of the guarantee rate.
Guarantee rate charged to the comprehensive security project, the applicant and the project guarantee market conditions, both to maintain the relative stability, but also to reflect the flexibility of the situation changes.
The ninth chapter is the implementation of the measures against security
The eleventh financial guarantees that the client is required to provide a counter guarantee of not less than the amount of the guarantee. The way of the counter guarantee includes: the deposit (or bank guarantee), the mortgage, the pledge and the third guarantee. The amount of margin accounts for the proportion of the amount of guarantee stipulated in the anti trust guarantee contract "in".
Twelfth if the deposit is guaranteed, the company shall be carried out to the company's margin account (the company's security project or bank guarantee project) or bank deposit account (bank guarantee);
Such as real estate, machinery and equipment, such as mortgage or pledge, for the corresponding mortgage, pledge registration procedures.
The tenth chapter is to submit the information and guarantee
Thirteenth if the company guarantees, the bond is guaranteed by the letter of guarantee:
1, the Commission and the financial security of the guarantee contract signed;
2, the client to pay the deposit, the use of other anti - security approach to the signing of the "anti - security contract," or "anti - security contract," and for the relevant procedures;
3, pay premium;
4, financial bond guarantee issued by the letter of guarantee. Before the issuance of bonds, the company shall submit a letter of legal audit to the guarantee of the letter of guarantee, and issued a written opinion, after the audit, and then seal the letter of guarantee.
Guarantee two copies, a copy of the applicant, the receipt issued by the company, another one from the bottom.
Fourteenth if the guarantee for the bank, in the signing of the "contract of guarantee contract" and "the anti - guarantee contract", the project manager to the bank to submit information.
After the bank agreed to guarantee, business manager with the customer to the bank to pay the premium, letter of guarantee issued by the bank, by a business manager a copy of a company duplicates that will be sent to the applicant the original hereof, the issue a receipt.
Management during the eleventh chapter
Fifteenth financial guarantees will be the guarantee of the project to implement the full track and risk warning mechanism, the project may appear in the problem of reasonable suggestions and solutions. If necessary, financial security can provide funds and professional support to the clients, assist them in the performance of the contract, to avoid the loss of the project and claims.
After sixteenth, the tracking and supervision mode is divided into the following regulation. Executive by the project manager or risk management department. After tracking supervision, should fill in the "post insurance tracking supervision project list", in order to help the company to control the basic situation of the project guarantee.
After tracking supervision, should fill in the tracking supervision, divided into normal, early warning and dangerous three levels, corresponding to take treatment measures.
The twelfth chapter renewal
Article 17 If the applicant in unison general guarantee has been secured for the project need renewal should be fill in the application form for extension of the guarantee, unison general guarantee for the project performance situation, the information of the applicant and other audit, after examination and approval, require customers to pay the renewal premium, letter of guarantee or submitted to the bank data.
The thirteenth chapter of compensation and compensation
Article eighteenth if the beneficiary of the project, according to the beneficiary of the claims, the organization of the relevant personnel to conduct in-depth investigation, fill in the "construction of the claims questionnaire", the preparation of the "project security claims investigation report". Compensation to the beneficiary.
After compensation, be a guarantor to issued notice "compensation" and "recovery notice, require the guarantor and counter guarantee in accordance with the contract to fulfill the corresponding obligations.

Read 2539 times Last modified on Thursday, 18 October 2018 02:25