Cooperation with Banks

ZGC Guaranty deems itself as a public credit guarantor to cooperate with banks. Recently, ZGC Guaranty has established cooperation relationships with 14 banks and their 300 branches located in Beijing. Among them, 52 branches are the key copartners. In terms of cooperation with banks, ZGC Guaranty insists on the following several principles as:

Keep Information Symmetry

ZGC Guaranty takes “We are just a credit model” as operation philosophy, initiatively as well as consciously opens its credit information to public in order to enhance its public creditability. ZGC Guaranty explicitly exposes its information to all the copartners and persons related so as to make them quickly, precisely and completely find out the strength and creditability of ZGC Guaranty.

Act Accordingly Based on Own Strength and Abilities

ZGC Guaranty always takes the appraisal and identification of clients’ credit risks as own core competence and tries its best to keep credit risks under control. In the guarantee operations, the following three principles are kept in mind as:

1) Taking claims as the base to measure risk probability and taking risk probability as a base to control the guarantee leverage;

2)Taking risk reserves as the base to estimate the safety coefficients of risk reserves and taking the safety coefficients as the base to adjust the scale of guarantee outstanding;

3) Taking risk management capability as the base to arrange guarantee volume and taking the risk controlling processes as a precondition to push forward working schedules.