Application for cooperation between XXX bank and XXX guarantee company

XXX bank

Our company was established on XX, XX, with a registered capital of XXX million yuan. At present, the balance under insurance is RMB XXX million, payout ratio XXX. We have established cooperative relations with XX Bank, XX Bank and XX Bank ..., and the total credit is XXX billion, with an annual profit of XXX million yuan from 201/kloc-0. My company Mu Minggui Bank has many outlets in XXX, with strong strength and remarkable performance. Therefore, we hope that there will be room for development in our cooperation with your bank. We firmly believe that through this cooperation, your bank and our company will achieve a win-win situation and make due contributions to the implementation of the central government's support for small and micro enterprises, local economic development and re-employment. We sincerely thank your bank for your strong support to our company.

Hereby!

XXXX guarantee co., ltd

Date, year and month

(The cooperation agreement is attached)

Cooperation agreement between XXX bank and XXX guarantee company

Party a: XXX bank

Party b: XXX guarantee company

In order to effectively support the development of small and medium-sized enterprises and ease the difficulties of loan guarantee for small and medium-sized enterprises and individual industrial and commercial households, Party A and Party B have entered into this agreement through friendly negotiation in accordance with the Contract Law of People's Republic of China (PRC) and the Guarantee Law of People's Republic of China (PRC).

Article 1 Party B generally provides paid guarantee services for borrowers such as enterprises and individual industrial and commercial households. During the cooperation period, this agreement shall apply when Party B provides guarantee for the borrower's loan in the branches and business departments under the jurisdiction of Party A. ..

Article 2 The registered capital of Party B is RMB 1 ten thousand yuan. During this cooperation period (including the outstanding guarantee balance before this cooperation period), the total amount of external guarantee balance of Party B shall not exceed twice of its registered capital, and the total amount of external guarantee balance in the branches under the jurisdiction of Party A shall not exceed twice of the risk margin balance. The balance of single-family guarantee provided by Party B in the branch under the jurisdiction of Party A shall not exceed% of the balance of Party B's risk deposit in Party A. ..

Article 3 Party B agrees to open a basic settlement account in Fenghe Sub-branch of Party A for daily business activities.

Article 4 During the cooperation, both parties shall perform their respective duties. Party A has the right to decide whether to release each loan, and Party B has the right to decide whether to provide guarantee for the borrower. The two sides do not interfere with each other, but keep communication smooth.

Article 5 In order to reduce the economic burden of agriculture-related customers, the loan interest rate guaranteed by Party B shall be the current guaranteed benchmark interest rate announced by the People's Bank of China.

Article 6 Party B promises that

(1) Provide Party A with all details of external guarantee, balance sheet, profit and loss statement and all bank account numbers of last month before 10 every month;

(2) Accept the inspection and supervision of Party A on its operation and financial status;

(III) In case of the following events, Party A shall be notified in writing within three working days.

1. Change of legal representative, domicile and business premises;

2. Party B itself increases or decreases loans in other financial institutions;

3. Party B's shareholding structure or asset status changes, including but not limited to shareholding system reform, division and merger, share transfer, asset sale, etc.

4. Foreign investment;

5. Arbitration and litigation with Party B as the defendant;

6. Other major matters in operation, finance and management.

(4) Party B must fully withdraw the unexpired liability reserve (50% of the guarantee fee of the current year) and the risk reserve (65,438+0% of the guarantee liability balance at the end of the current year) in accordance with the Interim Measures for Risk Management of Financing Guarantee Institutions for Small and Medium-sized Enterprises (Order No.77 of the Ministry of Finance).

Article 7 The scope of guarantee provided by Party B includes, but is not limited to, loan principal, interest, liquidated damages, damages, and legal fees, arbitration fees, attorney fees, travel expenses, investigation fees, evaluation fees, auction fees and other fees paid by Party A to realize the creditor's rights.

Article 8 All guarantees provided by Party B are joint (or general) liability guarantees. Where the borrower's mortgage guarantee exists at the same time, Party B agrees to waive the right of defense that the mortgage should be paid off first when Party A realizes the secured creditor's rights, that is, Party B is jointly and severally liable for all debts, and Party A has the right to choose to require Party B to undertake the secured debts at the same time or before the mortgagor.

In this case, both parties can pay off Party A's creditor's rights in the following ways.

1. Party B shall pay the security deposit to Party A according to the amount of debt owed by the guarantor. After Party B pays the deposit in full, it may require Party A to bring a lawsuit against the warrantee. If requested by Party B, Party A shall bring a lawsuit. And claim the mortgage right, and return the deposit to Party B according to the amount of the paid creditor's rights after the lawsuit, and Party A's litigation expenses shall be borne by Party B. ..

2. Party A transfers the creditor's rights guaranteed by Party B to Party B, and Party B shall pay the transfer fee in equal amount according to the creditor's rights. When the creditor's rights are transferred, the mortgage rights are transferred together.

Article 9 The guarantee period is two years from the expiration of the principal debt performance period. During the guarantee period, as long as the guarantee amount of Party B is not increased, during the performance of both parties, Party B will no longer sign and seal the changes in the terms of the main contract, but it will still be binding on Party B, and Party B will give up the defense that it does not assume the guarantee responsibility.

Article 10 After the loan guaranteed by Party B is returned, Party A shall promptly notify Party B; If it is not returned within the time limit, Party A shall promptly remind Party B to actively urge it. After overdue 15 days, Party B shall make compensation according to the contract. When Party B exercises the right of recourse, Party A shall actively cooperate.

Article 11 Party B has deposited the guarantee risk deposit of RMB10,000.00 Yuan in Party A's special deposit account, and the guarantee risk deposit increased by Party B due to business development. The interest shall be calculated according to the one-year unit time deposit rate of the same grade published by the People's Bank of China, and shall not be withdrawn before the guaranteed loan is fully paid off. After the bill is issued, the money is immediately pledged to Party A as a certificate of deposit, which is one of the ways for Party B to provide guarantee for the borrower to borrow from Party A's branches ... Both parties hereby confirm that the pledge guarantee and the various guarantees provided by Party B exist at the same time and are not mutually exclusive, that is, when Party B provides guarantee for the borrower, Party B will provide guarantee and pledge guarantee for each loan, which will be further confirmed in the single guarantee loan contract signed between Party B and Party A's branches. The pledge guarantee is stipulated in this agreement and will be included in various guarantees in the future. During the cooperation period, when Party B needs to assume the guarantee responsibility in Party A's branch, Party A or its branch may deduct the funds from other accounts of Party B or deduct the corresponding guarantee amount from the deposit amount. As Party B has provided guarantees for some borrowers' loans in Party A's branches before the signing of this agreement, Party B agrees that the scope of this pledge guarantee also covers every secured loan that has occurred but has not been paid off.

Article 12 Under any of the following circumstances, Party A has the right to terminate this contract, recover the loan principal and interest paid in advance, and require Party B to undertake corresponding guarantee responsibilities:

(1) The Borrower fails to pay the loan interest in full and on time, and Party B fails to make compensation within the time limit agreed in this Agreement;

(2) Party B is sued to a people's court or an arbitration institution for a debt dispute involving more than 20% of its registered capital or more than 5 million yuan;

(3) In financial institutions such as Zhejiang Fuyang Rural Cooperative Bank, Party B fails to repay the principal and interest on schedule, or fails to pay the interest on schedule, or fails to perform the guarantee responsibility;

When Party A exercises the right to terminate this contract or recover the loan in advance according to the above agreement, it may directly bring a lawsuit to the people's court and notify the Borrower and Party B by way of litigation.

Article 13 During the cooperation period, unless it is expressly stipulated in the single guaranteed loan contract signed by Party B and Party A's branch that a certain clause of this agreement is not applicable, the effectiveness of this agreement will of course extend to this single guaranteed loan contract.

Article 14 This Agreement is an independent and irrevocable guarantee. Therefore, after being signed or sealed by all parties, Party B agrees that if the guarantee of this contract is invalid or invalid for any reason, Party B shall bear all joint and several liabilities for each principal debt.

Article 15 The cooperation term of this agreement is years, increasing year by year. After the expiration, if both parties agree, the agreement should be re-signed. This agreement shall come into effect after being signed and sealed by the authorized signatories of Party A and Party B. This agreement is made in quadruplicate, and each party holds two copies. |

Legal representative or authorized signatory of Party A

sign and seal

Legal representative or authorized signatory of Party B

sign and seal

Date, year and month

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