不要以为地下钱庄离你很远。每个月都结一次利息，表面上非常有诚信，但是挖东墙补西墙，一旦资金链断了，发生挤兑最多只能以担保公司的现有资产偿还，因为他们注册的是有限责任公司。

Don't think that underground Banks far away from you.Every month knot a interest,On the surface is very good faith,But dig the east wall elsewhere,Once the capital chain is broken,Most can only run on a happened to guarantee the company's existing assets pay,Because they registered is a limited liability company.

　　两年前，表叔对于地下钱庄这个词嗤之以鼻，心想自己绝对不做傻事，可当众多担保公司像雨后春笋一样在家乡纷纷冒出的时候，表叔心里直犯嘀咕：作为中介机构的担保公司到底会有多大的魅力如此让人迷恋？又会有多大的需求和发展空间让人趋之若鹜？然而，一个市区人口刚过百万的中等城市，不到两年时间，担保公司从区区数家迅速扩大到百余家，足以说明这一行业的吸引力不亚于房地产，表叔心动了。

Two years ago,The word's side for underground sniff,Thought his absolute don't do foolish things,But when many guarantee company have like in his hometown in succession when out,In FanDiGu straight's side:As intermediaries of guarantee company or how much charm so let person infatuation?And there will be much demand and development space for people scramble for?however,A urban population just over millions of medium-sized cities,Less than two years,Security companies from only several rapidly expanded to over,Enough to show that this industry as the appeal of real estate,'s side has a crush.

　　抹了蜜的子弹头 Put the honey bullet

　　果然，看到银行的一些客户开始把资金陆续转移到了担保公司，谁也抵挡不住高利息的诱惑，一向小心谨慎且精打细算的表叔也没有例外，他从不相信别人给他讲的基金、保险和银行理财产品，却把一大半的积蓄交给一家担保公司，担保公司每月按时返还给表叔的利息已经超过了他在工厂上班时的工资，使得表叔津津乐道又令周围的亲戚朋友羡慕不已。

Indeed as expected,See the bank some customers began to make money have moved to guarantee company,Who also could not withstand the temptation of high interest rates,Has always been cautious and pinch pennies's side is no exception,He never believe someone tell him of the fund/Insurance and bank financing products,But more than half of his savings to a security company,Guarantee on time every month returned to the company's side interest has exceeded his work in a factory the salary when,That's side take delight in talking about and around to relatives and friends envy.

　　本来，表叔在第一家担保公司的投资因为合同到期而终止了。但表叔似乎尝到了甜头，又选择了一家利息更高的公司，还拉了一个老朋友入伙。这是一家外地人开设的“私募理财公司”，打着高息理财的旗号吸收资金入股，实际上是个地下钱庄。表叔的15万元和那位朋友的200万元只拿到了2个月的利息便被套住了，如今那位“有钱”的朋友已经顾不得埋怨表叔，只顾天天往那家他自己都不明白到底是担保公司还是私募公司的机构门口静坐。

was,'s side in the first a guarantee company investment for contract expires and ended.But's side seems to be tasted the sweet taste,And chose a higher interest of the company,Also pulled an old friend get on board.This is a foreigner open"Private finance company",A tight financial banner absorption funds to become shareholders,In fact is a underground.150000 yuan's side with the friend's 2 million yuan to a 2 months of interest and whipped,Now the"rich"Friends did not have complain's side,Every day only to that he doesn't understand what is guarantee company or private company organization sat at the door.

　　据笔者调查，来担保公司做理财投资的客户所提供的资金从几万元到几百万元不等，其中包括不少投资无门的工薪阶层。担保业正处于多方混战时期，并且“杂牌军”以其规模庞大压住了“正规军”。这类担保公司成立之初就把目光定位在了借贷业务，是纯粹的资金掮客。

According to the survey,To guarantee the company do financial investment to customers' funds from tens of thousands of yuan to millions of dollars,Including many investment not working class.Assurance is in many melee period,and"Miscellaneous troops"With its huge pressure lived"Regular army".This kind of guarantee the inception of the company took the eye location in the lending business,Is pure money broker.

　　投资理财是噱头 Finance and investment is stunt

　　担保公司按照其业务性质不同分为融资性担保和非融资性担保。融资担保公司经营范围主要有贷款担保、票据承兑担保、贸易融资担保、项目融资担保、信用证担保等融资性担保业务；而非融资性担保公司只能经营诉讼保全、履约担保、合同担保等业务，也可以提供融资咨询、财务顾问等中介服务。仅从经营范围来看，融资性担保公司更能解决企业或个人资金需求的燃眉之急，因此，目前遍布各地的投资担保公司绝大多数为民间融资性担保公司。

Guarantee company according to the business nature is divided into different financing guarantee and the financing guarantee.Financing guarantee company business scope mainly loan guarantee/Acceptance guarantee/Trade financing guarantee/Project financing guarantee/Letter of credit guarantee, such as financing guarantee business;Rather than financing guarantee company can only business litigation preservation/Performance security/Contract guarantee, etc,Can also provide financing consultation/Financial advisers and intermediary services.Only from the business scope to see,Financing guarantee company more can solve the enterprise or individual fund demand of burning issue,therefore,At present have been around the investment guarantee company most for folk financing guarantee company.

　　按照相关法规要求，无论是非融资性担保公司还是融资性担保公司，都不得从事吸收存款和发放贷款活动，也不得受托发放贷款和受托投资。正规的信贷担保业务流程是：担保公司只负责为借贷双方牵线搭桥，至于贷款的期限、利率等，只能由借贷双方协商确定。也就是说，担保公司除了自己的自有资金，是不能替客户“管钱”的；同时还要负责对融资项目进行风险评估，对资金运作进行风险监控，并承担融资方违约的连带责任。

In accordance with the relevant regulations,No matter is financing guarantee company or financing guarantee company,All shall not be engaged in absorb deposits and issue loans activities,Will not the issue loans and fiduciary investment.Formal credit guarantee business process is:Guarantee company only responsible for lending matchmaking both bypass,As for the loan period/Interest rates,Only by lending to determine both parties through consultation.That is,Guarantee the company in addition to their own funds,Is not for the customer"Tube money"of;At the same time also is responsible for financing project risk assessment,For capital operation risk monitoring,RongZiFang breach of contract and bear the joint and several liability.

　　但事实上并非如此。目前多数的担保公司都是打着“投资理财”的旗号直接吸收存款，然后再贷给资金另一方，实际就是非法集资。由于担保公司的盲目扩张，鱼珠混杂现象在所难免。许多担保公司并不是独立的第三方机构，而是由有特殊背景的人或企业所掌控的，所谓“小企业融资专家”基本只是停留在广告牌上的口号而已。因为有房地产企业背景的担保公司并不在少数，房地产公司可以把担保公司吸收到的民间资金直接用于关联的地产开发项目。即便是“正规”的担保公司，其推荐的项目也大多与房地产相关。这也难怪，因为除了房地产、矿产资源等少数行业，年收益率能够达到30%的几乎没有。

But in fact is not the case.At present most of the security companies are under"Finance and investment"Under the banner of direct absorption deposit,Then loans to fund the other party,The actual capital is illegal.Due to guarantee the company's blind expansion,Fish bead hybrid phenomenon unavoidable.Many guarantee company and is not an independent third party institution,But by a special background or enterprise of control,The so-called"Small business financing experts"Basic to just stay on the billboard's slogan.Because there are real estate enterprise background of guarantee company is not in a few,Real estate company can guarantee the company to absorb the folk capital applied directly to associated real estate development projects.even"normal"Guarantee company,The recommended projects also mostly related with real estate.It is no wonder that,Because in addition to real estate/A few other industries of mineral resources,Years yield can reach 30% of almost no.

　　这就是地下钱庄？ This is illegal private bank?

　　不要以为电视上的地下钱庄离你很远。一个不容忽视的现实是：目前大多数的担保公司并没有与任何一家银行发生过业务往来，尽管挂着担保公司的牌子，实际上干地下钱庄的生意。“靠拿担保中介费根本养不了这么多人，也绝对不会有这么大的吸引力，因此几乎所有的民营担保公司都是违规操作。”一位业内人士透露。

Don't think that the TV underground Banks far away from you.A not allow to ignore reality is:At present most of the guarantee company and with no any bank happened business,Although hung guarantee company's brand,In fact dry underground business."Take charge by guarantee basic keep so many people,Also won't have such a big attraction,So almost all the private security companies are illegal operation."A personage inside course of study has revealed.

　　按照规定，成立担保公司必须有充足的资本金，不过每个地方的门槛并不一样。比如在河南注册担保公司的条件是：注册资金不低于3000万元、资本金充足率80%以上、近1年与银行开展的融资性担保业务1亿元以上。门槛不可谓不高，但实际上只有少数正规的担保公司能达到这一标准。担保公司自有对付的手段：多家公司通过联合蒙混过关，合伙凑够一家的注册资金，待这家验收完后再搬到另一家。在鄂尔多斯(600295,股吧)、神木等地，由于煤炭、稀土暴利的诱惑，不少担保公司根本就是空手套白狼，从别的地方借到钱后再包装自己，注册一家担保公司，吸收散户资金后再去投资项目，既没有担保业务也没有担保能力，做高利贷是其唯一初衷。难怪有人说开一个担保公司比开饭馆还容易，在一个鱼珠混杂的世界里，什么见不得阳光的事情都可能发生。

According to the regulation,Established guarantee company must have enough capital,But each local threshold are not the same.For example, in henan registered guarantee company condition is:The registered capital of not less than 30 million yuan/Capital adequacy ratio above 80%/Nearly one year and bank financing guarantee business in 100 million yuan of above.The threshold not is not high,But the fact is that only a few normal guarantee company can meet this standard.Guarantee company own deal with means:Many companies through the joint muddle through,Marta: a partnership of the registered capital,For the acceptance after then move to another.In the ordos(600295,guba)/Shenmu etc,Because of coal/The temptation of rare earth profits,A lot of guarantee company is fundamentally empty set of the white Wolf,From other places to borrow money to package yourself,Registered a guarantee company,Absorption retail funds to go after investment projects,Neither guarantee business also no guarantee ability,Do usury is the only original intention.No wonder people talk a guarantee company and it is easier than open restaurant,In a world of mixed fish shot,What gross sunshine thing could happen.

　　在担保公司，多重抵押担保则是另一个见怪不怪的现象。表面上看，借款人必须以固定房产作抵押，问题的关键是：借款人对这个房产是否有100%的处置权？对债权人的权益能有多大的保全功能？将一栋房子抵押给多人的现象屡见不鲜，假如对方真的违约了，几十个人分一套房子的结果可想而知。

In the guarantee company,Multiple mortgage guarantee is another mind don't blame phenomenon.On the surface,Borrowers must be at a fixed property as a pledge,The key to the problem is:The borrower to the real estate are 100% of disposition?The rights and interests of creditors can have how old preservation function?Will a house mortgage give people a common phenomenon,If the other side is really the breach of contract,Dozens of people points of a house can imagine as a result.

　　在河南各地市，不断有担保公司大门被围或老板跑路的事件。事实上，面对担保业的无序状态，新一轮担保业整顿从年初就开始了，但直到现在也没有令人满意的结果。用监管部门的一句话是：无从下口，左右为难。不刹车，越来越多的人会栽倒担保公司的车轮下；刹车过急，有可能出现更大的连锁反应。1600多家担保公司最早都是经过工信厅核准的，都有许可证，突然说没有资格了，出资人会很恐慌，容易出现挤兑风潮。

Every city in henan,There is growing guarantee company gate enclosed or boss run road event.In fact,In the face of the assurance of the disordered state,A new round of assurance from the beginning of the rectification began,But until now there is no satisfactory results.With regulators sentence is:Where mouth,dilemma.Don't brake,More and more people will fall under the wheel of guarantee company;Brake run,There may be more a chain reaction.More than 1600 home guarantee the company have been working letter hall approved,Have license,Suddenly say not qualified to the,Investors will be very panic,Prone to run agitation.

　　不合格的仍在营业，违规的还在违规。如何从源头上规范这个行业，达到“堵”与“疏”的平衡，是摆在监管部门和地方政府的面前的一个头等大事。而投资者也务必应该擦亮眼睛，不能所谓“零风险、高收益”或真假难辨的财富故事蒙蔽。地下钱庄都是一个套路，那就是高息揽储，不要对夸下海口的收益掉以轻心，表叔的故事就在你身边。

Unqualified is still in the business,Illegal still illegal.How to regulate the industry from the source,achieve"plugging"and"hydrophobic"balance,Is in the supervision department and local government in the face of a top priority.And investors also be sure to should polish eyes,Not so-called"Zero risk/High yield"Or true and false cramped wealth story hoodwinked.Underground Banks is a set pattern,That's tight embrace store,Don't bombast earnings treat STH lightly,'s side of the story is on your side.