XX担保有限公司担保业务操作流程2015年6月1/46目录第一章总则..................................................................4第二章担保业务流程..........................................................5一、担保业务流程.....................................................5二、担保项目的选择与受理.............................................8（一）担保项目的选择..................................................8（二）受理条件........................................................8（三）不予受理条件....................................................8（四）慎重对待条件....................................................9（五）担保项目的受理..................................................9（六）担保项目的申请资料.............................................10（七）担保项目资料的初审.............................................13（八）担保项目初审的终止.............................................13三、担保项目的现场调查..............................................14（一）现场调查人员的职责.............................................14（二）现场调查应遵循的原则...........................................14（三）现场调查考察的对象.............................................15（四）现场调查的主要内容.............................................15四、担保项目的资料核查..............................................16（一）审查资料的完整性...............................................16（二）审查资料的有效性和合法性.......................................20五、担保项目的评估..................................................21（一）申请担保企业资信评估...........................................21（二）反担保措施评价.................................................26（三）项目主要风险分析...............................................27（四）担保项目的总体评价和评审报告的撰写.............................28（五）十五级评分.....................................................29六、担保项目的决策...................................................30（一）《项目评审报告》审核...........................................30（二）项目评审委员会制度.............................................30（三）担保项目审批权限...............................................32（四）担保项目评审会的执行...........................................32七、担保合同签署.....................................................33（一）担保合同的种类.................................................33（二）签订担保合同...................................................33八、反担保措施设置...................................................33（一）设置反担保措施的必要性.........................................33（二）反担保物应满足的条件...........................................34九、评审费、担保费、保证金、定金的收取...............................34（一）评审费用的收取.................................................35（二）担保费的确定依据...............................................35（三）担保费费率的确定...............................................36（四）担保费的收取...................................................362/46（五）保证金、定金的收取.............................................37十、担保项目的放款及档案移交.........................................38十一、担保项目运营管理...............................................38十二、担保责任的解除与代偿...........................................39（一）...
