In recent years, rising with the investment boom, Jiangcheng guarantee industry has been rapid development, Guarantee Corporation dozens of expansion from the previous to the current hundreds. In the Guarantee Corporation brought for the enterprise and individual financing convenience at the same time, oneself also has some to be solved problems, such as: the lack of regulation and self-discipline, guarantee agency charges phenomenon is serious; guarantee mechanism of dragons and fishes jumbled together, some illegal usury, some illegal fund raising, illegal arms. in earnest reader's suggestion, this reporter recently on the Guarantee Corporation irregularities depth.Fees of up to seven or eight letters criticizing the chargesWhen the individual to bank loans, the banks in order to reduce risk, lending to individuals not directly. Lenders need to find third party, in order to make credit guarantee loan. Is the need to resort to find a Guarantee Corporation, to guarantee the. The Guarantee Corporation will according to the requirements of banks, allow lenders to issue relevant proof of qualification review, the review of documents to the bank, the bank for review after the loan, the corresponding fees charged by Guarantee corporation. Guarantee corporation financing for individuals, small and medium enterprises convenience, charge a fee. However, charges part of the guarantee mechanism of rack one's brains for ingenious devices are popular for. New year's Eve, the earnest reader, a Wuchang company mister Xiao Jun to this email, written to reflect the Guarantee Corporation charges problem. prompted Xiao Jun to reflect the problem is to him a friend encounters: before New Year's day, friends see a 8 yuan car, because the cash in hand is not sufficient, and would like to reserve a portion of the funds for the turnover, decided to loan. Some of the expenses result let the friend's unexpected. friends to purchase a car Shoufu 4 yuan, bank loans 40000. The relevant expenses incurred in the process of purchase a car includes: the guarantee fee 1200 yuan; visiting fee 220 yuan; post loan management fee 2000 yuan; 1000 yuan fee information; notarization, mortgage, registration fee of 1500 yuan...... Coupled with the purchase of the insurance costs, the price beyond the cost of total close to 20000 yuan. in accompany friends to purchase a car handling process, Xiao Jun realized that the Guarantee Corporation fees is not standard, manifested in the rack one's brains for ingenious devices chaos: fees, fees of up to seven or eight; charges are not uniform, let people "do not". In order to guarantee rate as an example, some of the 2% charge, some of the 3% charge; and as the post loan management fees, some 1000 yuan, or 2000 yuan, and 3000 yuan, the whole thing is a mess. "The recent car city very fire, car loans also follow very fire, over the years between the Guarantee Corporation and the interests of lenders inequality, and the former do what one wishes without restraint, a charge, to take deposits, increased the burden of the borrower." Xiao Jun in a message to reporters said, hope that charges the security industry newspaper and other irregularities depth investigation.Arbitrary charges also shelter evil people and countenance evil practices survey deep industry insiderReceived reflect the earnest reader, this reporter conducted a survey interview last week. The investigation content includes not only the automobile consumer credit guarantee, including the individual consumer credit guarantee. 12 day, 13 day, the reporter went to Wuhan Che Kwun Hankou Zhuyeshan automobile market and to investigate openly and secretly. Part as follows: example 1: Wang bought a Toyota car, the price is 246800 yuan, the first payment of 126800 yuan, 3 year loans for 120000. When I meet Mr. Wang, he is the Che Kwun vehicle licensing procedures. except the normal car, Mr. Wang also pay the fees, the fees of more than 1.5 yuan, almost all Guarantee Corporation, including: the guarantee fee of 2800 yuan, door-to-door service fee 800 yuan; risk margin of about 10000 yuan; notarization, mortgage, registration fee of 1500. example 2: the reporter to the identity of ordinary consumers, to Hankou Zhuyeshan automobile market. In a car dealers, the reporter "and" a price of 106800 yuan car. The loan purchase a car in the consultation process, the sales representative out of the list of expenses to the reporter. expense list to six into loans, loans 64080 yuan. Among them, the costs associated with Guarantee Corporation total 5602 yuan, including: the guarantee fee 1602 yuan; notarization, mortgage, registration fee 1800 yuan; post loan management fee is 2000 yuan; home visit charges 200 yuan. example 3: in another car dealers, the reporter "and" a car is 123800 yuan Lang yi. Shoufu 53800 yuan to 70000 yuan of loans, for example, the dealer also to reporters made out a list of expenses. among them, and the Guarantee Corporation fees Total 6700 yuan, including: the guarantee fee 1700 yuan; notarization, mortgage registration, renewal fee 1500 yuan; 2000 yuan deposit; deposit 1500. survey results show that, the automobile consumption credit guarantees, fees and more complex, various items together nearly ten items, including the guarantee fee, post loan management fees, notary mortgage licensing fees, deposit, deposit, home visits, the door renewal fee service fee, material fee. In addition, fees are not consistent, charges are not uniform, some called post loan management fees, and some called margin, even if the fees name, charges are far. The project these assorted fees what, why charge, I'm afraid for common people to. After consultation, the personage inside course of study made the following interpretation of these fees: according to the amount of the loan guarantee fee is the Guarantee Corporation charge rates ranging from 2%-4%, according to the standard charge; post loan management fees, loan companies related expenses of management after the loan; notarization, mortgage, licensing fees, is a Guarantee Corporation to ensure their own interests, related costs requirements for notarization, mortgage and other produce, agency general collection by Guarantee Corporation; renewal deposit, forcing the lender second years, third years to buy insurance and a fee; margin, is a Guarantee Corporation to the lender, to ensure that the performance of a charge. "and Guarantee Corporation fees at thousands of yuan, if coupled with the interest of bank loans, financing cost is relatively high, this is also a lot of people would rather bite the full payment of the loan to buy a car to buy a car, rather than." In the investigation, a loan buyers said quite representative: on lenders and Guarantee Corporation, although one is willing to fight, one is willing to endure, but in the face of high financing cost, is in fact very reluctantly. guarantee from investigating the automobile consumption credit, the reporter financing of Hankou a Guarantee Corporation operations. The town can not be optimistic about the situation. during the unannounced visits, the reporter said, because the job needs, need 100000 yuan of funds. The company's business staff heard that there is a 80 square metre house reporter hands, take an oath devoutly commitment, can immediately loan, monthly interest for 6%-8%. But lenders before, need to take ID card, real estate certificate as a notary, notary fees for 800 yuan, borne by the borrower. Once 3 months can not timely repayment, the other party will hold the notarization materials, the property price to transfer to others. is five point interest rate personal loans benchmark "current year a few, and here the monthly interest is 6%-8%, a difference of ten." Concerned personage points out, the Guarantee corporation should engage in mortgage lending, in even usury is illegal behavior.Industry standardization development professionals complaining of painIt is understood, guarantee business can be divided into financing guarantee, guarantee, financial derivative products, security and other non contract guarantee. At present the domestic professional Guarantee Corporation, the vast majority are engaged in financing guarantee business, for their quality is not directly obtained from the bank corporate or personal loan guarantees, so that they can obtain loans of commercial banks. Mostly focus on car loans, housing mortgage, the second-hand housing loans, housing mortgage loans, personal credit business cycle. With the increasing demand, guarantee institutions such as bamboo shoots after a spring rain sort out. Wuhan City currently registered Guarantee corporation about 300, specifically for small and medium enterprises to provide financing guarantee companies but 10 home, most companies are engaged in personal financing business, some are still engaged in illegal fund raising, illegal usury illegal. The exposed illegal fund-raising case is far more than a case. "for small and medium enterprises engaged in financing guarantee business Guarantee Corporation, charging standard, generally only charge a cost that is the guarantee fee, fee for the national benchmark interest rate."Hubei Tiancheng investment Company limited by guaranteeChairman Xie Yiming said, the industry does not regulate fees, are the main do personal financing business Guarantee Corporation, various fees add up to at least seven or eight, charging standard is not unified.Hubei Libang investment Company Limited by GuaranteeIs the vice president of Wuhan City Credit Guarantee Association unit, the company vice president Wang Buddha also think that, in a loan guarantee, the existence of Guarantee Corporation charges rack one's brains for ingenious devices phenomenon. Guarantee industry standard fees and charges, there is not an authoritative department make effective supervision and regulation. to strengthen supervision of financing guarantee business management, business health promoting financing guarantee development, guard against and defuse the risk of financial guarantee, the decision of the State Council, in February this year, the establishment of financing guarantee business inter ministerial Joint Conference for the regulation, and clear the corresponding supervision. The CBRC shall lead the joint meeting, to participate in the development and Reform Commission, the Ministry of industry and information technology, Ministry of finance, people's Bank, the State Administration for Industry and commerce, the Legislative Affairs Office and other departments. The joint meeting office located in the China Banking Regulatory Commission, undertake the daily work of the joint meeting. related notice requirements, the joint meeting to perfect the relevant systems and. As soon as possible to the financing guarantee institutions, business norms, regulations and legal liability provisions, shall be submitted to the State Council for approval before implementation. In addition, also asked the local regulatory departments must bear the responsibility of supervision. Strictly in accordance with the conditions of approval of financing guarantee institutions set up regulations, unauthorized development financing guarantee business without approval, must be resolutely banned. Strengthen the daily supervision of financing guarantee institutions, conduct regular check and investigation and real-time monitoring on the possible risks, the financing guarantee institutions engaged in illegal activities to be punished according to law, if the circumstances are serious, shall be ordered to stop business, until the abolition of the financing guarantee business engaged in sexual. The relevant responsible a regulators also said, although the State Council made it clear that the financing guarantee business regulatory responsibilities, but the actual work, there exist the regulation is not in place. In addition, some government departments work to guarantee institutions lack of support. Such as: vehicle mortgage registration, land and housing mortgage registration only to the bank, not guarantee institutions, even if the registration requirements, evaluate, make ride fees, increase the cost of financing of medium and small enterprises. "is the Guarantee Corporation fees chaos exists mix, with banks, insurance companies, car sales of interests. In a sense, we are all part of the interests of the chain." Concerned that the security industry to strengthen self-discipline, the relevant functional departments at the same time can effectively fulfill the responsibility, standardize and guide the healthy development of the guarantee industry.