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Cumbersome Margin Deposit and Refund Procedures
Traditional guarantee letters involve complex procedures for margin deposits and refunds. Processing is time-consuming and labor-intensive, requiring significant manual effort.
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High Capital Occupancy Costs
Conventional guarantee models tie up a large amount of corporate working capital, placing financial strain on enterprises. The duration of capital occupation is often long, further increasing opportunity costs.
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High Risk Exposure
Traditional guarantee margin businesses face risks such as misappropriation of funds, forged checks, and counterfeit bills of exchange.
GienTech's Domestic Electronic Guarantee System supports the issuance of direct-opening and separated electronic guarantees, enabling the full process of guarantee issuance, payment, notifications, and claims to be handled online. It also provides functions for data query analysis and parameter management.
The system is easy to operate and can seamlessly integrate with various external systems, including public resource trading centers, guarantee companies, and insurance companies. It automatically collects data, eliminating the need for operators to manually input application information, submit paper documents, or handle collateral procedures. Guarantee applications can be completed in just one minute, and the full process, including approval, stamping, printing, and document signing, is handled online with the same legal validity as paper guarantees. Additionally, the system provides fixed templates for various guarantees and supports the import and compliance review of personalized guarantee documents to ensure compliance.
The system encrypts key information such as the guarantee application’s bid section and bidder details before the bid opening, and automatically decrypts it at the time of opening to ensure information security and meet confidentiality requirements for bidding projects. It also supports online verification of the guarantee status by banks to identify counterfeit guarantees.
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Guarantee Issuance
The initiating transaction of the guarantee lifecycle, where the bank's guarantee relationship becomes effective, issuing a stamped electronic bank guarantee.
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Guarantee Modification
Used to modify an already issued electronic guarantee, forming a contingent part of the electronic guarantee process.
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Guarantee Decryption
If the issued electronic bank guarantee contains encrypted information, this function decrypts it and issues an unencrypted version with the same content.
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Incoming Guarantee
Registers claims and issues a stamped notification of the incoming guarantee.
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Guarantee Release
Used to process and initiate guarantee release transactions, where the guarantee expires or meets conditions for release, removing the bank's guarantee liability.
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Guarantee Payment
Used to process and initiate guarantee payment transactions, updating the guarantee account balance once payment is completed.
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Comprehensive
Supports all types of non-financing guarantees, meeting various business requirements for enterprises. Product types include bid guarantees, wage payment guarantees, customs guarantees, and most other types of guarantees.
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Flexible
Customizable approval workflows based on the specific needs of branches. Personalized templates for guarantee documents can be set according to the requirements of branches and local public resource centers. The system supports the import of personalized guarantee documents.
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Scalable
Supports horizontal expansion of bidding and tendering businesses, as well as integration with multiple public resource trading centers and guarantee agencies. Supports vertical expansion for various types of guarantee businesses and deep business expansion, meeting the needs of small clients and providing them with bidding financing services.
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Convenient
Easy to operate, simple procedures, guarantee applications can be completed in 1 minute without collateral. The full process is handled online, with all front-end channels integrated. The electronic guarantee has the same legal validity as a paper guarantee, with full online processes for approval, stamping, and printing.
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Secure
Online verification of authenticity ensures counterfeit guarantees are identified. Supports online verification of guarantee status, and reading of stamped guarantees. Information security is maintained, with encryption before bid opening and automatic decryption at the time of opening to ensure confidentiality of key project information.


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