投资担保股份有限公司贷款担保风险分散控制暂行办法.doc

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1、投资担保股份有限公司贷款担保风险分散控制暂行办法投资担保股份有限公司贷款担保风险分散控制暂行办法投资担保股份有限公司贷款担保风险分散控制暂行办法 国家和省政府对投资担保公司在业务操作过程中，明确规定了坚持按照“小额、分散”的原则办理贷款担保业务，同一借款人的贷款担保余额不得超过本公司资本净额的10%。这一规定是小额投资担保公司规避单个客户担保过度集中，有效分散贷款担保风险的操作原则，据此制定如下贷款担保风险分散控制办法： 一、 认真执行国家、省政府对单个客户贷款担保控制在本公司资本净额的10%以内，不得超过比例贷款担保。 二、对单个客户实行贷款担保总额授信控制，即申请贷款担保的企业在信用等级评

2、定，贷款担保授信额度内，减去其他金融机构贷款的额度剩余部分，在不超本公司资本净额的10%以内以内提供贷款担保。 三、对经营管理好、产品市场潜力大、利润水平高、担保资产充足的单个客户，申请贷款担保超过实际注册资本金比例的企业，需在认真审查的基础上，提交董事会研究审批。但最高贷款担保额度，不得超过本公司资本净额的15%。 四、在公司对企业贷款担保累计金额达到实际注册资本金80时，暂停对外贷款担保业务。 五、对单个客户有以下行为的不予贷款担保： 1、企业有信用不良记录 2、经营管理不善，连续两年亏损的企业3、贷款资产手续不全，贷款资产不足4、不能真实提供财务报表，弄虚作假5、没有销售合同，产销渠道不

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