2022年XX公司担保评估审批管理制度 .pdf

制度名称XX公司担保评估审批管理制度制度编号受控状态执行部门监督部门生效日期第 1 章总则第 1 条目的1防范担保业务风险，确保担保业务符合国家法律法规和本公司的担保政策。2规范公司担保风险评估工作，合理、客观地评估担保业务风险，确保风险评估为担保决策提供科学依据。3完善公司担保风险评估审批管理体系，防止越权审核审批行为的发生。第 2 条责任部门财务部组织成立担保风险评估小组，其成员包括财会人员、审计人员和法律顾问等相关人员。评估小组负责担保业务风险进行评估。第 2 章担保风险评估程序第 3 条收集担保风险评估资料风险评估小组应认真收集或要求申请担保人提供包括但不限于以下资料。1申请担保人的营业执照、公司章程复印件、法定代表人身份证明、反映与本公司有关联关系的资料等基础性资料。2担保申请书、担保业务的资金使用计划或项目资料。3近年经审计的财务报告等财务资料。4 申请担保人的资信等级评估报告及还款能力分析报告等资料。5申请担保人与债权人签订的主合同复印件。6申请担保人提供反担保的条件和相关资料。第 4 条担保风险评估公司对担保业务进行风险评估至少应当采取下列措施以防止出现违反相关规定的行为发生。1审查担保业务是否符合国家有关法律法规以及公司发展战略和经营需要。2审查担保项目的合法性、可行性。3评估申请担保人的资信状况，评估内容一般包括：申请人基本情况、资产质量、经营情况、行业前景、偿债能力、信用状况，用于担保和第三方担保的资产及其权利归属等。4综合考虑担保业务的可接受风险水平，并设定担保风险限额。5评估与反担保有关的资产状况。第 5 条撰写评估报告1担保评估结束后，担保风险评估小组应向公司财务总监提交担保风险评估报告，评估报告应包括但不限于以下内容。（1）申请担保人提出担保申请的经济背景。（2）接受担保业务的利弊分析。文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3（3）拒绝担保业务的利弊分析。（4）担保业务的评估结论及建议。2担保风险评估报告须按照规定经财务总监、总经理审批，为公司高层作出担保决策提供依据。第 3 章担保业务审批第 6 条公司各项担保业务必须经董事会或股东大会批准，或由总经理在董事会授权范围内批准，公司其他任何部门或个人均无权代表公司提供担保业务。第 7 条总经理的审批权限单笔担保金额在万元以下（含万元）、年度累计金额万元以下（含万元）的担保项目由董事会授权总经理审批。第 8 条董事会的审批权限1审批超出总经理审批权限的担保项目。2 公司董事会的审批权限不应超出公司担保政策中的有关规定。第 9 条股东大会的审批权限。1审批超出董事会审批权限的担保项目。2审批单笔担保额超过公司最近一期经审计净资产10%的担保项目。3审批担保总额超过公司最近一期经审计净资产50%的担保项目。4审批申请担保人资产负债率超过70%的担保项目。5审批对公司股东、实际控制人及其关联方提供的担保项目。文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3第 10 条担保经办人员应在职责范围内按照审批人的批准意见办理担保业务。对于审批人超越权限审批的担保业务，担保经办人员应拒绝办理。第 3 章附则第 11条本制度自公司董事会审议通过后实施，修订亦同。第 12 条本制度根据国家担保相关法律法规及本公司有关担保业务政策制定，由董事会负责解释。编制日期审核日期批准日期修改标记修改处数修改日期文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 ZV3R7B4N1V3文档编码:CP1E7O6A5I9 HN6Y1H6U1V3 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