2025年度金融機(jī)構(gòu)間貸款擔(dān)保合作協(xié)議3篇

20XX專(zhuān)業(yè)合同封面COUNTRACTCOVER20XX專(zhuān)業(yè)合同封面COUNTRACTCOVER甲方：XXX乙方：XXXPERSONALRESUMERESUME2024年度金融機(jī)構(gòu)間貸款擔(dān)保合作協(xié)議本合同目錄一覽1.合作雙方基本信息1.1合作機(jī)構(gòu)名稱(chēng)1.2法定代表人姓名1.3注冊(cè)地址1.4聯(lián)系方式1.5信用評(píng)級(jí)2.合作目的與原則2.1合作目的2.2合作原則3.合作范圍與期限3.1合作范圍3.2合作期限4.擔(dān)保方式與條件4.1擔(dān)保方式4.2擔(dān)保條件4.3擔(dān)保額度4.4擔(dān)保期限5.貸款額度與利率5.1貸款額度5.2貸款利率5.3貸款期限6.還款方式與期限6.1還款方式6.2還款期限7.合作費(fèi)用與分配7.1合作費(fèi)用7.2費(fèi)用分配8.保密條款8.1保密信息8.2保密義務(wù)9.爭(zhēng)議解決機(jī)制9.1爭(zhēng)議解決方式9.2爭(zhēng)議解決機(jī)構(gòu)10.合同生效與終止10.1合同生效條件10.2合同終止條件11.合同變更與解除11.1合同變更11.2合同解除12.違約責(zé)任12.1違約情形12.2違約責(zé)任13.合同附件13.1附件一：貸款協(xié)議13.2附件二：擔(dān)保合同13.3附件三：其他相關(guān)文件14.其他約定14.1其他條款14.2不可抗力條款14.3合同解釋與適用法律第一部分：合同如下：1.合作雙方基本信息1.1合作機(jī)構(gòu)名稱(chēng)：甲方（金融機(jī)構(gòu)A），乙方（金融機(jī)構(gòu)B）1.2法定代表人姓名：甲方法定代表人：，乙方法定代表人：1.3注冊(cè)地址：甲方注冊(cè)地址：省市區(qū)路號(hào)，乙方注冊(cè)地址：省市區(qū)路號(hào)1.5信用評(píng)級(jí)：甲方信用評(píng)級(jí)：AAA，乙方信用評(píng)級(jí)：AAA2.合作目的與原則2.1合作目的：本合作協(xié)議旨在加強(qiáng)金融機(jī)構(gòu)間的合作，通過(guò)相互提供貸款擔(dān)保，降低貸款風(fēng)險(xiǎn)，促進(jìn)金融市場(chǎng)的穩(wěn)定與發(fā)展。2.2合作原則：平等互利、誠(chéng)實(shí)信用、公平公正、合作共贏。3.合作范圍與期限3.1合作范圍：本合作協(xié)議適用于雙方在2024年度內(nèi)進(jìn)行的貸款業(yè)務(wù)，包括但不限于貸款發(fā)放、擔(dān)保、回收等環(huán)節(jié)。3.2合作期限：本合作協(xié)議自雙方簽字蓋章之日起生效，至2024年12月31日止。4.擔(dān)保方式與條件4.1擔(dān)保方式：本合作協(xié)議采用抵押擔(dān)保和保證擔(dān)保相結(jié)合的方式。4.3擔(dān)保額度：擔(dān)保額度根據(jù)貸款金額和風(fēng)險(xiǎn)程度確定，最高不超過(guò)甲方或乙方貸款總額的50%。4.4擔(dān)保期限：擔(dān)保期限與貸款期限一致，但最長(zhǎng)不超過(guò)5年。5.貸款額度與利率5.1貸款額度：甲方或乙方根據(jù)業(yè)務(wù)需求，可向?qū)Ψ教峁┎怀^(guò)對(duì)方貸款總額的50%的貸款額度。5.2貸款利率：貸款利率參照中國(guó)人民銀行同期貸款基準(zhǔn)利率，并根據(jù)市場(chǎng)情況進(jìn)行調(diào)整。5.3貸款期限：貸款期限最長(zhǎng)不超過(guò)5年，具體期限由雙方協(xié)商確定。6.還款方式與期限6.1還款方式：貸款本金及利息按月或按季支付，具體還款方式由雙方協(xié)商確定。6.2還款期限：還款期限與貸款期限一致，但最長(zhǎng)不超過(guò)5年。7.合作費(fèi)用與分配7.1合作費(fèi)用：本合作協(xié)議合作費(fèi)用包括擔(dān)保費(fèi)用、咨詢(xún)費(fèi)用、管理費(fèi)用等，具體費(fèi)用由雙方協(xié)商確定。7.2費(fèi)用分配：合作費(fèi)用按雙方約定的比例進(jìn)行分配，具體分配比例由雙方協(xié)商確定。8.保密條款8.1保密信息：本合作協(xié)議及雙方在合作過(guò)程中知悉的對(duì)方商業(yè)秘密、技術(shù)秘密、客戶(hù)信息等，均屬于保密信息。8.2保密義務(wù)：雙方對(duì)本協(xié)議及保密信息負(fù)有保密義務(wù)，未經(jīng)對(duì)方書(shū)面同意，不得向任何第三方泄露。9.爭(zhēng)議解決機(jī)制9.1爭(zhēng)議解決方式：雙方在履行本協(xié)議過(guò)程中發(fā)生的爭(zhēng)議，應(yīng)通過(guò)友好協(xié)商解決。9.2爭(zhēng)議解決機(jī)構(gòu)：協(xié)商不成的，任何一方均可向爭(zhēng)議發(fā)生地人民法院提起訴訟。10.合同生效與終止10.1合同生效條件：本協(xié)議經(jīng)雙方法定代表人或授權(quán)代表簽字蓋章后生效。10.2.1合同約定的期限屆滿(mǎn)；10.2.2雙方協(xié)商一致解除合同；10.2.3任何一方違約，經(jīng)對(duì)方書(shū)面通知后30日內(nèi)未采取補(bǔ)救措施；10.2.4因不可抗力導(dǎo)致合同無(wú)法履行。11.合同變更與解除11.1合同變更：本協(xié)議的任何變更，必須以書(shū)面形式經(jīng)雙方簽字蓋章后生效。11.2合同解除：在合同有效期內(nèi)，任何一方違約，對(duì)方有權(quán)解除合同，并要求違約方承擔(dān)相應(yīng)的違約責(zé)任。12.違約責(zé)任12.1違約情形：任何一方違反本協(xié)議約定的義務(wù)，均構(gòu)成違約。12.2.1支付違約金；12.2.2恢復(fù)或賠償因違約造成的損失；12.2.3采取補(bǔ)救措施，以減輕對(duì)方損失。13.合同附件13.1附件一：貸款協(xié)議13.2附件二：擔(dān)保合同13.3附件三：其他相關(guān)文件14.其他約定14.1其他條款：本協(xié)議未盡事宜，雙方可另行簽訂補(bǔ)充協(xié)議，補(bǔ)充協(xié)議與本協(xié)議具有同等法律效力。14.2不可抗力條款：本協(xié)議履行過(guò)程中，如遇不可抗力因素，導(dǎo)致一方無(wú)法履行或部分履行本協(xié)議，該方不承擔(dān)違約責(zé)任，但應(yīng)及時(shí)通知對(duì)方并提供相關(guān)證明。14.3合同解釋與適用法律：本協(xié)議的解釋、履行和爭(zhēng)議解決均適用中華人民共和國(guó)法律。第二部分：第三方介入后的修正1.第三方介入的概念與定義1.1第三方：在本合作協(xié)議中，第三方是指除甲乙雙方外的任何個(gè)人、法人或其他組織，包括但不限于中介方、評(píng)估機(jī)構(gòu)、擔(dān)保機(jī)構(gòu)、律師事務(wù)所、會(huì)計(jì)師事務(wù)所等。2.第三方介入的必要性2.1第三方介入的必要性：為提高貸款擔(dān)保的效率和專(zhuān)業(yè)性，降低風(fēng)險(xiǎn)，經(jīng)甲乙雙方協(xié)商一致，允許第三方介入本合作協(xié)議的相關(guān)事宜。3.第三方介入的范圍與方式3.1.1貸款評(píng)估；3.1.2擔(dān)保物的評(píng)估與監(jiān)管；3.1.3法律、財(cái)務(wù)咨詢(xún)；3.1.4爭(zhēng)議解決等。3.2第三方介入的方式：第三方介入應(yīng)以甲乙雙方同意的方式，通過(guò)簽訂相應(yīng)的合作協(xié)議或委托書(shū)進(jìn)行。4.第三方責(zé)任限額4.1責(zé)任限額的定義：第三方在本合作協(xié)議中的責(zé)任限額是指第三方因履行本協(xié)議而產(chǎn)生的違約責(zé)任或賠償責(zé)任的上限。4.2責(zé)任限額的確定：責(zé)任限額由甲乙雙方根據(jù)第三方提供的專(zhuān)業(yè)服務(wù)、市場(chǎng)行情及風(fēng)險(xiǎn)程度等因素協(xié)商確定，并在相關(guān)合作協(xié)議中明確。5.第三方責(zé)權(quán)利5.1責(zé)任：第三方應(yīng)按照甲乙雙方的要求，履行其在合作協(xié)議中的職責(zé)，確保其服務(wù)符合相關(guān)法律法規(guī)和行業(yè)標(biāo)準(zhǔn)。5.2權(quán)利：第三方有權(quán)要求甲乙雙方提供必要的資料和協(xié)助，以完成其服務(wù)。5.3利益：第三方有權(quán)獲得甲乙雙方支付的合理報(bào)酬。6.第三方與其他各方的劃分說(shuō)明6.1第三方與甲方的關(guān)系：第三方與甲方之間形成委托代理關(guān)系，甲方為委托方，第三方為受托方。6.2第三方與乙方的關(guān)系：第三方與乙方之間形成委托代理關(guān)系，乙方為委托方，第三方為受托方。6.3第三方與甲乙雙方的關(guān)系：第三方與甲乙雙方之間形成合作關(guān)系，共同確保本合作協(xié)議的履行。7.第三方介入后的額外條款7.1第三方介入后，甲乙雙方應(yīng)將第三方介入的相關(guān)信息及時(shí)通知對(duì)方，包括第三方名稱(chēng)、職責(zé)、責(zé)任限額等。7.2第三方介入后，甲乙雙方應(yīng)確保第三方按照本合作協(xié)議及相關(guān)法律法規(guī)的要求履行職責(zé)。7.3第三方介入后，如第三方未能履行職責(zé)或違反本合作協(xié)議，甲乙雙方有權(quán)終止與第三方的合作關(guān)系，并要求第三方承擔(dān)相應(yīng)的違約責(zé)任。7.4第三方介入后，如因第三方原因?qū)е卤竞献鲄f(xié)議無(wú)法履行，甲乙雙方有權(quán)要求第三方承擔(dān)相應(yīng)的賠償責(zé)任。8.第三方介入后的爭(zhēng)議解決8.1第三方介入后，如甲乙雙方與第三方之間發(fā)生爭(zhēng)議，應(yīng)通過(guò)友好協(xié)商解決。8.2協(xié)商不成的，任何一方均可向爭(zhēng)議發(fā)生地人民法院提起訴訟。9.第三方介入后的合同變更與解除9.1第三方介入后，如甲乙雙方認(rèn)為有必要變更或解除本合作協(xié)議，應(yīng)書(shū)面通知第三方，并經(jīng)第三方同意后方可進(jìn)行。9.2第三方介入后，如因第三方原因?qū)е卤竞献鲄f(xié)議無(wú)法履行，甲乙雙方有權(quán)要求解除本合作協(xié)議，并要求第三方承擔(dān)相應(yīng)的違約責(zé)任。10.第三方介入后的其他約定10.1第三方介入后，本協(xié)議其他條款仍具有同等法律效力。10.2本協(xié)議關(guān)于第三方介入的修正條款，自雙方簽字蓋章之日起生效。第三部分：其他補(bǔ)充性說(shuō)明和解釋說(shuō)明一：附件列表：1.附件一：貸款協(xié)議詳細(xì)要求：明確貸款金額、期限、利率、還款方式等細(xì)節(jié)。說(shuō)明：貸款協(xié)議是本合作協(xié)議的核心附件，需詳細(xì)規(guī)定貸款的具體條款。2.附件二：擔(dān)保合同詳細(xì)要求：明確擔(dān)保方式、擔(dān)保條件、擔(dān)保額度、擔(dān)保期限等細(xì)節(jié)。說(shuō)明：擔(dān)保合同是甲乙雙方就擔(dān)保事宜達(dá)成的具體協(xié)議，需確保擔(dān)保的有效性和合規(guī)性。3.附件三：第三方合作協(xié)議詳細(xì)要求：明確第三方介入的具體事項(xiàng)、職責(zé)、權(quán)利、義務(wù)及費(fèi)用等。說(shuō)明：第三方合作協(xié)議是甲乙雙方與第三方就第三方介入事宜達(dá)成的協(xié)議，需確保第三方服務(wù)的質(zhì)量和效率。4.附件四：風(fēng)險(xiǎn)評(píng)估報(bào)告詳細(xì)要求：提供對(duì)貸款項(xiàng)目或擔(dān)保人的風(fēng)險(xiǎn)評(píng)估結(jié)果，包括財(cái)務(wù)狀況、信用記錄等。說(shuō)明：風(fēng)險(xiǎn)評(píng)估報(bào)告是第三方提供的服務(wù)之一，用于評(píng)估貸款風(fēng)險(xiǎn)和擔(dān)保人的信用狀況。5.附件五：擔(dān)保物評(píng)估報(bào)告詳細(xì)要求：對(duì)擔(dān)保物進(jìn)行評(píng)估，包括價(jià)值、風(fēng)險(xiǎn)等。說(shuō)明：擔(dān)保物評(píng)估報(bào)告是第三方提供的服務(wù)之一，用于確定擔(dān)保物的實(shí)際價(jià)值。6.附件六：法律意見(jiàn)書(shū)詳細(xì)要求：提供對(duì)合作協(xié)議及相關(guān)法律問(wèn)題的專(zhuān)業(yè)意見(jiàn)。說(shuō)明：法律意見(jiàn)書(shū)是律師事務(wù)所提供的服務(wù)，用于確保合作協(xié)議的合法性和有效性。7.附件七：財(cái)務(wù)審計(jì)報(bào)告詳細(xì)要求：對(duì)擔(dān)保人的財(cái)務(wù)狀況進(jìn)行審計(jì)，確保其財(cái)務(wù)健康。說(shuō)明：財(cái)務(wù)審計(jì)報(bào)告是會(huì)計(jì)師事務(wù)所提供的服務(wù)，用于評(píng)估擔(dān)保人的償債能力。8.附件八：爭(zhēng)議解決機(jī)制協(xié)議詳細(xì)要求：明確爭(zhēng)議解決的方式、程序和機(jī)構(gòu)。說(shuō)明：爭(zhēng)議解決機(jī)制協(xié)議是雙方就爭(zhēng)議解決達(dá)成的一致意見(jiàn)，用于解決合作過(guò)程中的爭(zhēng)議。說(shuō)明二：違約行為及責(zé)任認(rèn)定：1.違約行為：甲乙雙方未按約定提供貸款或擔(dān)保；第三方未按約定提供專(zhuān)業(yè)服務(wù)；任何一方未按約定支付費(fèi)用；任何一方泄露保密信息；任何一方違反合同約定的其他義務(wù)。2.責(zé)任認(rèn)定標(biāo)準(zhǔn)：違約行為一經(jīng)確認(rèn)，違約方應(yīng)承擔(dān)違約責(zé)任；違約責(zé)任包括支付違約金、賠償損失、采取補(bǔ)救措施等；違約金的具體數(shù)額由雙方協(xié)商確定，或按合同約定執(zhí)行；賠償損失包括直接損失和間接損失，由違約方承擔(dān)；如違約行為導(dǎo)致合同無(wú)法履行，違約方應(yīng)承擔(dān)合同解除的責(zé)任。3.違約責(zé)任示例說(shuō)明：甲乙雙方約定，甲方應(yīng)在2024年3月1日前向乙方提供1000萬(wàn)元的貸款，但甲方未按時(shí)提供，構(gòu)成違約；違約責(zé)任：甲方應(yīng)支付違約金，并賠償乙方因違約而遭受的損失；第三方提供的服務(wù)不符合約定標(biāo)準(zhǔn)，導(dǎo)致?lián)Ｎ飪r(jià)值評(píng)估不準(zhǔn)確，構(gòu)成違約；違約責(zé)任：第三方應(yīng)退還費(fèi)用，并賠償由此給甲乙雙方造成的損失。全文完。2024年度金融機(jī)構(gòu)間貸款擔(dān)保合作協(xié)議1合同目錄第一章合同概述1.1合同名稱(chēng)1.2合同簽訂日期1.3合同雙方基本信息1.4合同目的和原則1.5合同適用范圍1.6合同期限1.7合同生效條件1.8合同解除條件1.9合同變更程序1.10合同爭(zhēng)議解決方式第二章合作機(jī)構(gòu)及其權(quán)利義務(wù)2.1合作機(jī)構(gòu)定義2.2合作機(jī)構(gòu)資質(zhì)要求2.3合作機(jī)構(gòu)權(quán)利2.4合作機(jī)構(gòu)義務(wù)2.5合作機(jī)構(gòu)責(zé)任第三章貸款擔(dān)保業(yè)務(wù)內(nèi)容3.1貸款擔(dān)保業(yè)務(wù)定義3.2貸款擔(dān)保業(yè)務(wù)范圍3.3貸款擔(dān)保業(yè)務(wù)條件3.4貸款擔(dān)保業(yè)務(wù)流程3.5貸款擔(dān)保業(yè)務(wù)費(fèi)用3.6貸款擔(dān)保業(yè)務(wù)風(fēng)險(xiǎn)控制第四章貸款擔(dān)保業(yè)務(wù)操作規(guī)范4.1貸款擔(dān)保業(yè)務(wù)申請(qǐng)4.2貸款擔(dān)保業(yè)務(wù)審批4.3貸款擔(dān)保業(yè)務(wù)發(fā)放4.4貸款擔(dān)保業(yè)務(wù)監(jiān)控4.5貸款擔(dān)保業(yè)務(wù)變更4.6貸款擔(dān)保業(yè)務(wù)終止第五章保證金管理5.1保證金定義5.2保證金繳納5.3保證金退還5.4保證金利息5.5保證金風(fēng)險(xiǎn)第六章風(fēng)險(xiǎn)承擔(dān)與分擔(dān)6.1風(fēng)險(xiǎn)定義6.2風(fēng)險(xiǎn)評(píng)估6.3風(fēng)險(xiǎn)承擔(dān)6.4風(fēng)險(xiǎn)分擔(dān)6.5風(fēng)險(xiǎn)補(bǔ)償?shù)谄哒逻`約責(zé)任7.1違約定義7.2違約責(zé)任承擔(dān)7.3違約責(zé)任追究7.4違約責(zé)任賠償?shù)诎苏潞贤K止與解除8.1合同終止定義8.2合同解除條件8.3合同解除程序8.4合同終止后的處理第九章合同附件9.1附件一：貸款擔(dān)保業(yè)務(wù)申請(qǐng)表9.2附件二：貸款擔(dān)保業(yè)務(wù)審批表9.3附件三：貸款擔(dān)保業(yè)務(wù)合同9.4附件四：貸款擔(dān)保業(yè)務(wù)監(jiān)控報(bào)告第十章合同簽署與生效10.1合同簽署10.2合同生效條件10.3合同生效日期第十一章合同變更與補(bǔ)充11.1合同變更11.2合同補(bǔ)充11.3合同變更與補(bǔ)充程序第十二章合同解除與終止12.1合同解除12.2合同終止12.3合同解除與終止程序第十三章合同履行與監(jiān)督13.1合同履行13.2合同監(jiān)督13.3合同履行與監(jiān)督責(zé)任第十四章合同爭(zhēng)議解決14.1爭(zhēng)議解決方式14.2爭(zhēng)議解決程序14.3爭(zhēng)議解決機(jī)構(gòu)合同編號(hào)_________第一章合同概述1.1合同名稱(chēng)本合同名稱(chēng)為“2024年度金融機(jī)構(gòu)間貸款擔(dān)保合作協(xié)議”。1.2合同簽訂日期本合同簽訂日期為_(kāi)___年____月____日。1.3合同雙方基本信息甲方（擔(dān)保機(jī)構(gòu)）：名稱(chēng)：__________________住所：__________________法定代表人：____________聯(lián)系電話：______________乙方（貸款機(jī)構(gòu)）：名稱(chēng)：__________________住所：__________________法定代表人：____________聯(lián)系電話：______________1.4合同目的和原則本合同旨在明確甲乙雙方在2024年度金融機(jī)構(gòu)間貸款擔(dān)保業(yè)務(wù)中的合作原則、業(yè)務(wù)范圍、權(quán)利義務(wù)及風(fēng)險(xiǎn)分擔(dān)等內(nèi)容。1.5合同適用范圍本合同適用于甲乙雙方在2024年度內(nèi)開(kāi)展的所有貸款擔(dān)保業(yè)務(wù)。1.6合同期限本合同期限自____年____月____日起至____年____月____日止。1.7合同生效條件本合同自雙方簽字蓋章之日起生效。1.8合同解除條件1.8.1任何一方違約，對(duì)方有權(quán)解除本合同。1.8.2發(fā)生不可抗力事件，導(dǎo)致合同無(wú)法履行時(shí)，雙方均有權(quán)解除本合同。1.9合同變更程序1.9.1合同變更需經(jīng)雙方協(xié)商一致，并以書(shū)面形式簽署變更協(xié)議。1.9.2變更協(xié)議與本合同具有同等法律效力。1.10合同爭(zhēng)議解決方式雙方發(fā)生爭(zhēng)議時(shí)，應(yīng)友好協(xié)商解決；協(xié)商不成的，提交____仲裁委員會(huì)仲裁。第二章合作機(jī)構(gòu)及其權(quán)利義務(wù)2.1合作機(jī)構(gòu)定義合作機(jī)構(gòu)是指甲乙雙方在合同有效期內(nèi)，開(kāi)展貸款擔(dān)保業(yè)務(wù)的金融機(jī)構(gòu)。2.2合作機(jī)構(gòu)資質(zhì)要求2.3合作機(jī)構(gòu)權(quán)利2.3.1合作機(jī)構(gòu)有權(quán)根據(jù)本合同約定，開(kāi)展貸款擔(dān)保業(yè)務(wù)。2.3.2合作機(jī)構(gòu)有權(quán)要求甲方提供擔(dān)保服務(wù)。2.4合作機(jī)構(gòu)義務(wù)2.4.1合作機(jī)構(gòu)應(yīng)遵守國(guó)家法律法規(guī)，誠(chéng)信經(jīng)營(yíng)。2.4.2合作機(jī)構(gòu)應(yīng)按照本合同約定，及時(shí)履行貸款擔(dān)保義務(wù)。2.5合作機(jī)構(gòu)責(zé)任2.5.1合作機(jī)構(gòu)因違反本合同約定，導(dǎo)致貸款損失，應(yīng)承擔(dān)相應(yīng)的賠償責(zé)任。第三章貸款擔(dān)保業(yè)務(wù)內(nèi)容3.1貸款擔(dān)保業(yè)務(wù)定義貸款擔(dān)保業(yè)務(wù)是指甲方為乙方在貸款業(yè)務(wù)中提供擔(dān)保服務(wù)的行為。3.2貸款擔(dān)保業(yè)務(wù)范圍貸款擔(dān)保業(yè)務(wù)范圍包括但不限于：流動(dòng)資金貸款、固定資產(chǎn)貸款、并購(gòu)貸款等。3.3貸款擔(dān)保業(yè)務(wù)條件3.3.1乙方須具備合法的貸款資格。3.3.2甲方應(yīng)審查乙方的貸款申請(qǐng)，確保乙方具備還款能力。3.4貸款擔(dān)保業(yè)務(wù)流程3.4.1乙方向甲方提交貸款擔(dān)保申請(qǐng)。3.4.2甲方審查乙方貸款申請(qǐng)，同意后簽訂貸款擔(dān)保合同。3.4.3乙方與貸款機(jī)構(gòu)簽訂貸款合同。3.4.4甲方履行擔(dān)保義務(wù)。3.5貸款擔(dān)保業(yè)務(wù)費(fèi)用貸款擔(dān)保業(yè)務(wù)費(fèi)用由乙方承擔(dān)，具體費(fèi)用標(biāo)準(zhǔn)由雙方另行協(xié)商確定。3.6貸款擔(dān)保業(yè)務(wù)風(fēng)險(xiǎn)控制3.6.1甲方應(yīng)建立完善的風(fēng)險(xiǎn)控制體系，確保貸款擔(dān)保業(yè)務(wù)風(fēng)險(xiǎn)可控。3.6.2甲方應(yīng)定期對(duì)乙方進(jìn)行風(fēng)險(xiǎn)評(píng)估，及時(shí)調(diào)整擔(dān)保策略。第四章貸款擔(dān)保業(yè)務(wù)操作規(guī)范4.1貸款擔(dān)保業(yè)務(wù)申請(qǐng)4.1.1乙方應(yīng)按照甲方要求提供相關(guān)資料。4.1.2甲方應(yīng)在收到乙方申請(qǐng)后，及時(shí)進(jìn)行審查。4.2貸款擔(dān)保業(yè)務(wù)審批4.2.1甲方應(yīng)建立審批制度，確保審批流程規(guī)范。4.2.2甲方審批通過(guò)后，與乙方簽訂貸款擔(dān)保合同。4.3貸款擔(dān)保業(yè)務(wù)發(fā)放4.3.1乙方與貸款機(jī)構(gòu)簽訂貸款合同后，甲方履行擔(dān)保義務(wù)。4.4貸款擔(dān)保業(yè)務(wù)監(jiān)控4.4.1甲方應(yīng)定期對(duì)貸款擔(dān)保業(yè)務(wù)進(jìn)行監(jiān)控，確保業(yè)務(wù)合規(guī)。4.5貸款擔(dān)保業(yè)務(wù)變更4.5.1乙方如需變更貸款擔(dān)保業(yè)務(wù)，應(yīng)提前與甲方協(xié)商。4.6貸款擔(dān)保業(yè)務(wù)終止4.6.1貸款合同到期或乙方提前償還貸款，貸款擔(dān)保業(yè)務(wù)終止。第五章保證金管理5.1保證金定義保證金是指乙方為保證履行貸款合同而向甲方繳納的款項(xiàng)。5.2保證金繳納5.2.1乙方應(yīng)在簽訂貸款擔(dān)保合同后，按照約定繳納保證金。5.3保證金退還5.3.1貸款合同到期或乙方提前償還貸款，甲方應(yīng)退還保證金。5.4保證金利息5.4.1保證金利息按雙方約定計(jì)算。5.5保證金風(fēng)險(xiǎn)5.5.1保證金應(yīng)專(zhuān)戶(hù)存儲(chǔ)，不得挪作他用。第六章風(fēng)險(xiǎn)承擔(dān)與分擔(dān)6.1風(fēng)險(xiǎn)定義風(fēng)險(xiǎn)是指因各種原因?qū)е沦J款無(wú)法收回的可能性。6.2風(fēng)險(xiǎn)評(píng)估6.2.1甲方應(yīng)建立風(fēng)險(xiǎn)評(píng)估制度，對(duì)貸款擔(dān)保業(yè)務(wù)進(jìn)行風(fēng)險(xiǎn)評(píng)估。6.3風(fēng)險(xiǎn)承擔(dān)6.3.1甲方承擔(dān)因乙方違約導(dǎo)致貸款無(wú)法收回的風(fēng)險(xiǎn)。6.4風(fēng)險(xiǎn)分擔(dān)6.4.1乙方應(yīng)承擔(dān)因自身原因?qū)е沦J款無(wú)法收回的風(fēng)險(xiǎn)。6.5風(fēng)險(xiǎn)補(bǔ)償6.5.1如發(fā)生貸款損失，雙方應(yīng)按照約定比例分擔(dān)損失。第八章合同終止與解除8.1合同終止定義本合同終止是指本合同因約定的期限屆滿(mǎn)、合同雙方協(xié)商一致或其他法定原因而結(jié)束。8.2合同解除條件8.2.1任何一方違約，對(duì)方有權(quán)解除本合同。8.2.2發(fā)生不可抗力事件，導(dǎo)致合同無(wú)法履行時(shí)，雙方均有權(quán)解除本合同。8.3合同解除程序8.3.1解除合同需書(shū)面通知對(duì)方，并說(shuō)明解除原因。8.3.2雙方應(yīng)在收到解除通知之日起____日內(nèi)，完成合同解除手續(xù)。8.4合同終止后的處理8.4.1合同終止后，雙方應(yīng)按照約定辦理債權(quán)債務(wù)清算。8.4.2合同終止后，雙方應(yīng)妥善處理合同約定的其他事項(xiàng)。第九章合同附件9.1附件一：貸款擔(dān)保業(yè)務(wù)申請(qǐng)表9.2附件二：貸款擔(dān)保業(yè)務(wù)審批表9.3附件三：貸款擔(dān)保業(yè)務(wù)合同9.4附件四：貸款擔(dān)保業(yè)務(wù)監(jiān)控報(bào)告第十章合同簽署與生效10.1合同簽署本合同一式____份，甲乙雙方各執(zhí)____份，具有同等法律效力。10.2合同生效條件本合同自雙方簽字蓋章之日起生效。第十一章合同變更與補(bǔ)充11.1合同變更合同變更需經(jīng)雙方協(xié)商一致，并以書(shū)面形式簽署變更協(xié)議。11.2合同補(bǔ)充本合同如有未盡事宜，可由雙方另行簽訂補(bǔ)充協(xié)議，補(bǔ)充協(xié)議與本合同具有同等法律效力。11.3合同變更與補(bǔ)充程序合同變更與補(bǔ)充程序參照本合同第八章合同解除程序執(zhí)行。第十二章合同解除與終止12.1合同解除參照第八章合同解除條件及程序執(zhí)行。12.2合同終止參照第八章合同終止定義及處理執(zhí)行。第十三章合同履行與監(jiān)督13.1合同履行雙方應(yīng)嚴(yán)格按照本合同約定履行各自的權(quán)利和義務(wù)。13.2合同監(jiān)督雙方應(yīng)相互監(jiān)督，確保本合同得到正確履行。13.3合同履行與監(jiān)督責(zé)任雙方應(yīng)承擔(dān)因自身原因?qū)е潞贤男胁坏轿换虮O(jiān)督不力的責(zé)任。第十四章合同爭(zhēng)議解決14.1爭(zhēng)議解決方式雙方發(fā)生爭(zhēng)議時(shí)，應(yīng)友好協(xié)商解決；協(xié)商不成的，提交____仲裁委員會(huì)仲裁。14.2爭(zhēng)議解決程序仲裁程序應(yīng)按照____仲裁委員會(huì)的仲裁規(guī)則進(jìn)行。14.3爭(zhēng)議解決機(jī)構(gòu)本合同的爭(zhēng)議解決機(jī)構(gòu)為_(kāi)___仲裁委員會(huì)。甲方（擔(dān)保機(jī)構(gòu)）簽字（蓋章）：________________________日期：__________________乙方（貸款機(jī)構(gòu)）簽字（蓋章）：________________________日期：_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________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