* SME Credit Guarantee Co., Ltd. is a professional guarantee institution invested by the government with a registered capital of 380 million yuan. Since the establishment of 1999, the company has served the local economy, supported the development of local small and medium-sized enterprises, adhered to policy orientation, corporate management and market-oriented operation, and provided a total of 7.3 billion yuan of guarantees for local small and medium-sized enterprises and supported more than 800 enterprises/kloc-0. In 2006, the company was rated as AAA credit by China United Credit Rating Company, and was rated as the top ten most influential guarantee institutions in China by the joint meeting of national guarantee institutions sponsored by the National Development and Reform Commission.
Financing difficulty of small and medium-sized enterprises is a universal problem. Like all parts of the country, the rapid development of small and medium-sized enterprises is also plagued by financial problems. Over the years, the * * Municipal Party Committee and Municipal Government have always attached great importance to the development of small and medium-sized enterprises, and have successively introduced a series of major measures, including the pilot work of financing for small and medium-sized enterprises, the construction of credit system and guarantee system, and the policy guarantee institutions that play a leading role, and made great efforts. Sichuan Branch of China Development Bank actively serves the local economy, gives full play to the role of development finance in solving the "difficulties" and "hot spots" of the local economy, boldly explores and innovates, takes the lead in cooperating with local governments to develop SME loan business in the banking industry, and promotes the construction of credit system and financing guarantee system. This move opens up a new way to solve the financing problem of local small and medium-sized enterprises, and is of great significance to the development of local economy, especially county economy. * * As the largest policy guarantee institution in the local area, with the care and support of the municipal party committee and municipal government and the guidance and help of the Municipal Small and Medium Enterprises Bureau, the SME guarantee company cooperates closely with the Sichuan Branch of the Development Bank, district and county governments and platform companies to seize opportunities, be realistic and innovative, give full play to the leading role of municipal platform companies, make full use of development financial resources, support the development of local small and medium-sized enterprises, and make development finance support small and medium-sized enterprises achieve remarkable results.
I. Basic information
* * The cooperation between the SME guarantee company and the Sichuan Branch of the Development Bank to carry out SME financing guarantee was officially launched in June 2004. Xinjin County, as the first pilot county, signed a cooperation agreement with the Development Bank and obtained a credit of 50 million yuan. In February 2004, the first batch of * * * 10 enterprise loans were implemented. After nearly a year's trial, it began to be pushed to other districts and counties in early 2006. By the end of 2006, 20 districts, cities and counties in the city had signed cooperation agreements with the Development Bank, with a total loan of 2.2 billion yuan. Among them, Xinjin, High-tech Zone, jinniu district, Shuangliu, etc. 14 districts and counties have been opened normally, and the first loan of 3 districts and counties is being implemented. In addition, Sichuan Branch of Development Bank and * * SME Guarantee Company respectively signed financing guarantee cooperation agreements with Tianfu Software Park, Shuangliu Jiaolong Industrial Port and Qingyang Industrial Development Zone (West Zone) in High-tech Zone, with an agreement amount of 400 million yuan. At the same time, * * SME guarantee companies have increased their registered capital through the soft loan support of Development Bank 1 100 million yuan, and the strength of guarantee funds has been further consolidated. After nearly two years' operation, the Development Bank has issued more than 600 million yuan of financing loans for small and medium-sized enterprises, including 77 new customers/kloc-0 in 2006 alone, with a loan scale of 478 million yuan.
In the past two years, with the joint efforts of Sichuan Branch of Development Bank, SME guarantee companies, county government platform companies and SMEs, development finance has achieved remarkable results in supporting SME loans. The overall sales scale, profits and taxes, and the level of labor and employment of small and medium-sized enterprises supported by loans have been greatly improved, which has promoted the growth of small and medium-sized enterprises and promoted the development of county economy. Taking Xinjin County as an example, the operating income of 18 enterprises supported by loans increased by 18% on average, and the total warehousing tax increased by120,000 yuan year-on-year, and laid-off workers from rural areas and cities were resettled by 1200 people. Among the 18 enterprises that obtained loans, 2 enterprises with tax revenue of one million were newly cultivated, and 3 enterprises above designated size were newly cultivated. In 2006, the warehousing tax of 29 enterprises supported by CDB loans in Shuangliu County increased by 54.48% on average, which was 32 percentage points higher than the county average. Affected by the deterioration of financial ecology, financial institutions in Jintang and Pujiang counties, whose economic development level is relatively backward, have not increased the scale of local loans for many years, and the development of small and medium-sized enterprises is seriously restricted by the shortage of funds. Through the development of the bank's SME financing platform, six enterprises in Jintang and five enterprises in Pujiang obtained CDB loans, achieving a "zero" breakthrough in the financing guarantee business of these two district and county guarantee companies.
At present, the financing platform and network system for small and medium-sized enterprises, which are composed of the city and county levels, have been established, and the system and operation mechanism have been basically established and preliminarily improved. It has been operating normally for two years, and there is no loans overdue phenomenon. Many enterprises have obtained loan support, at the same time, the degree and level of management norms have been improved, and the awareness of integrity has been significantly enhanced. Development finance supports small and medium-sized enterprise loans to play a demonstration and leading role in the financial field, and many bank branches begin to put new business growth points on small and medium-sized enterprise projects. A number of financial branches are in contact with our company to discuss how to learn from the experience and operation mode of development finance to support small and medium-sized enterprises and establish long-term and stable cooperative relations with our company.
Second, the mode of operation.
1, SME financing platform organization and development bank loan model
First of all, each district and county set up a leading group for SME financing of the Development Bank, funded the establishment of a platform company invested by the government, and selected a local financial sub-branch as the entrusted loan bank. County-level platform companies work under the guidance of local financing leading groups, and are responsible for the primary selection and recommendation of financing enterprises, lending to development banks as borrowers, lending to small and medium-sized enterprises as entrusted banks, and post-loan management and principal and interest recovery. * * As a municipal platform company, the SME guarantee company is responsible for investigating and evaluating the enterprises recommended by counties, as a guarantor to provide guarantee for the loans of county platform companies in the development bank, and at the same time to provide guarantee for the entrusted loans issued by county platform companies to enterprises.
The loan methods mainly include unified loans from platform companies and guarantees from guarantee companies; Direct loans from enterprises and guarantees from guarantee companies; There are three ways: platform company borrowing and borrowing enterprise joint guarantee. The basic model is that the platform company lends money and the guarantee company guarantees it.
At present, the loan interest rate of Development Bank rises by 10% on the benchmark interest rate, and the guarantee fee of the guarantee company is charged at 1.5% of the annual guarantee amount. The total handling fee of the platform company and the county entrusted bank is 0.4%- 1%.
2. Developing the operating mechanism of cooperative SME loan business.
There are three main operating mechanisms for SME loans in Development Bank, namely, democratic appraisal mechanism, risk sharing mechanism and risk control mechanism.
Democratic appraisal mechanism: All districts and counties set up democratic appraisal groups for loan enterprises, and select democratic appraisers familiar with enterprises or industries to appraise the enterprises recommended by districts and counties, so as to improve the fairness and efficiency of examination and decision-making. Enterprises that pass democratic appraisal will be recommended to guarantee companies and development banks.
Risk sharing mechanism: if the loan platform is tied to the loan project, the SME guarantee company will bear 70% of the loan loss, the development bank will bear 18% of the loss, and the county platform company will bear 12% of the loss. The Development Bank requires platform companies in all districts and counties to deposit the risk deposit of bundled loans 10%- 12% in the Development Bank. For projects that are directly loaned by enterprises or guaranteed by guarantee companies, the Development Bank will not share risks for the time being.
Risk control mechanism: build a risk control mechanism involving development banks, guarantee companies, local governments and platform companies, entrusted loan banks and SME credit promotion associations. Risk management is not only controlled by a certain enterprise or a certain link, but is implemented through the linkage of all parties, organizational advantages and system construction. For example, the development bank does not investigate specific enterprises, but mainly takes the conclusion of democratic appraisal, the insurance investigation of guarantee companies and the financial audit results of enterprises as the evaluation basis.
Third, the main practices
1, strengthen service awareness and risk prevention awareness, and innovate working methods and measures.
* * SME guarantee companies strengthen their service awareness and risk prevention awareness in promoting CDB cooperation in SME financing guarantee, and actively explore and innovate new methods and measures for guarantee work in combination with the characteristics of CDB SME financing work. According to the basic situation of small and medium-sized enterprises in all districts and counties and the characteristics of unified loan business, the company has specially formulated the evaluation standards and methods for financing enterprises, designed fast and efficient operation procedures, controlled risks as much as possible, innovated some risk control measures and means, and given preferential treatment to the guarantee fees of loan enterprises. For example, in the stage of democratic appraisal of enterprises in districts and counties, we conducted a qualitative preliminary investigation in the early stage, which improved the pass rate and efficiency of recommended projects in districts and counties; In the evaluation of software enterprises, high-tech start-ups and agricultural industrialization enterprises, according to the characteristics of their respective industries, appropriate adjustments should be made in the aspects of investigation focus, evaluation methods and evaluation indicators. By exploring credit line control, setting technology access conditions, network publicity and other ways, the company's guarantee support methods for high-tech enterprises are gradually improving; In view of the fact that many small and medium-sized enterprises have no counter-guarantee measures, we use the linkage mechanism of risk control to cooperate with local governments to supervise their assets such as land, projects under construction and enterprise inventory that have not yet obtained land certificates, and innovate counter-guarantee measures. The company mainly adopts the mode of unified loan by platform companies to increase the overall coverage of financing services for SMEs. At the same time, we will strive for direct loans for individual outstanding projects with key industry demonstration and leading role, and support enterprises in various ways.
2, combined with the characteristics of the district, city and county regional economy and industrial clusters, optimize the allocation of guarantee resources.
While promoting the financing guarantee for small and medium-sized enterprises in development finance, we have closely cooperated with CDB, combined with the characteristics of local county economy and advantageous industries, vigorously supported key industries and characteristic industries, and strived to maximize the benefits of supporting small and medium-sized enterprises with development financial resources and realize the optimal allocation of credit resources. In High-tech Zone and Qingyang District, we mainly support electronic information and software enterprises, precision mould manufacturing enterprises and biomedical enterprises. In Pixian and Dujiangyan, priority is given to supporting douban production enterprises and farmhouse music projects. In Pujiang and Jintang, we will focus on the leading enterprise projects of agricultural industrialization. In Wuhou and Chongzhou, enterprises are supported by leather shoes, leather and furniture industry clusters in this area. In addition, we also give support to Taiwan-funded enterprises, entrepreneurial enterprises returning from studying abroad, small and micro enterprises, etc. according to the priorities of the district and county governments and CDB at all stages. With the agglomeration of industries in the park, industrial parks around the country are booming, and more advantageous industries and high-quality customers are gathered in the park. We adjusted our working ideas in time, broadened our vision of finding high-quality customers, and extended the financing guarantee service system of development finance SMEs to industrial parks. Since April 2006, CDB and the guarantee company have successively signed cooperation agreements with Jiaolong Industrial Port, Tianfu Software Industrial Park and Qingyang Industrial Development Zone. At present, many projects recommended by the park have been supported by CDB loans.
3. Establish the concept of "big guarantee", give full play to the leading role of municipal platform companies, and actively promote the construction of credit guarantee system. In the process of promoting CDB cooperation in SME financing guarantee, * * SME guarantee companies always set up the concept of "big guarantee", give full play to the leading role of the company as a municipal platform company, and actively promote the construction of financing guarantee system for developmental financial SMEs. On the one hand, using the idea of "big guarantee" to solve specific problems in project development, risk control and foreign cooperation, and grasping risks and promoting work through the advantages of system, system and linkage mechanism; On the other hand, the sustained and healthy development of the guarantee industry also depends on the improvement of the credit guarantee system and the establishment of a long-term mechanism. Promoting the construction of financing guarantee system for small and medium-sized development financial enterprises with the concept of "big guarantee"
We work closely with the municipal, district and county financing leading groups, strengthen communication with enterprises, governments and entrusted loan banks through credit promotion meetings, democratic appraisal meetings, various seminars and training meetings, publicize the awareness of honesty to enterprises, introduce our ideas, standards and processes to all parties involved in SME loan work, and improve linkage efficiency. In order to improve efficiency and prevent risks, the company has also established a regular working exchange and communication mechanism with Sichuan Branch of Development Bank. In order to better connect the company's work with all districts and counties, since 2006, the company has divided the responsibilities of business departments according to districts and counties, and determined the corresponding liaison personnel in all districts and counties. Through business training, we will strengthen exchanges with platform companies in all districts and counties, and often inspect projects with the staff of platform companies in all districts and counties to exchange and discuss work suggestions. Through training, communication and practice, the overall work quality and efficiency of many district and county platform companies have been greatly improved. It has promoted the overall work of financing guarantee for SMEs. At present, with the close cooperation and joint efforts of all parties, a "four-way linkage" financing guarantee system for small and medium-sized enterprises in development finance has been initially formed, which has effectively alleviated the financing difficulties of small and medium-sized enterprises in our city and promoted the development of small and medium-sized enterprises and local economy.
Four. Existing problems and suggestions
Summarizing and reviewing the practice of supporting the financing guarantee of small and medium-sized enterprises in cooperation with the development bank in the past two years, there are still some obvious problems, mainly reflected in:
1. Some districts and counties are not enthusiastic enough, the quality of recommended projects needs to be improved, and post-loan management is still weak.
2. Due to lean personnel, few personnel and heavy tasks, it takes a long time for CDB unified loan project to be submitted for approval, and the overall efficiency needs to be improved.
3. Due to various financing guarantees, the financing cost of SMEs is still high.
4. The loan term and variety of development bank are single, which can not meet the diversified financing needs of small and medium-sized enterprises.
It is suggested that development banks can introduce more kinds of loans in the future, give full play to the capital cost advantage of development finance to support small and medium-sized enterprises, and give them more favorable interest rate support.
Solving the financing problem of small and medium-sized enterprises has a long way to go. * * SME guarantee companies will, as always, keep in mind the purpose of serving SMEs, give full play to the leading role of municipal government platform companies, and work closely with Sichuan Branch of Development Bank and SME management departments and platform companies of district and county governments to create a new situation in which development finance supports SME financing guarantee.
Work Summary of Guarantee Center in 2008
In 2008, under the scientific guidance of the leaders of the Industry Bureau, with the strong support of the Capital Guarantee Corporation and the strong assistance of relevant departments, the Capital Guarantee Fangshan Branch overcame the unfavorable situation of international financial turmoil, domestic economic downturn and increased risks in the guarantee industry, and strengthened risk control, management and innovation with the aim of serving enterprises, which greatly eased the financing difficulties of small and medium-sized enterprises in our region and maintained steady development.
-Completion of guarantee business
This year, Fangshan Branch approved 36 guaranteed projects/kloc-0, with an approval amount of 596.75 million yuan; Among them, there are 35 in-place projects/kloc-0, with an amount of 396.75 million yuan; The number of guarantees in place and the amount of guarantees increased by 32% and 27% respectively over last year. A total of 287 guaranteed projects were approved, and the approved guarantee amount was1122140,000 yuan; Among them, 283 projects have been put in place, and the amount of guarantee in place is 82210.4 million yuan; The project under insurance 12 1, the amount under insurance is 384.45 million yuan, and the guarantee responsibility is released 162, and the amount released is 437.69 million yuan. Overfulfilled all the tasks set at the beginning of the year.
Under the guidance of the strategy of "strengthening industrial areas", 189 is an industrial project, accounting for 66.7% of the total; Agriculture, commerce and other projects account for 2.4%, 13. 1% and 16.9% of the total respectively, which shows the support focus of guarantee funds. The guarantee fund increased from 10 million yuan at the beginning of its establishment to 50 million yuan, and its guarantee strength was enhanced.
—— Mainly did the following work.
First, go deep into grassroots investigation and study, and strive to open up project sources.
At present, Fangshan Sub-branch's project sources mainly come from three channels: one is recommended by banks, the other is recommended by township and district departments, and the third is self-recommendation and mutual recommendation by enterprises. Due to the limited channels, some enterprises still don't understand Fangshan Branch. In order to strengthen publicity, in the first half of the year, under the organization of the Industrial Bureau, business personnel were divided into four groups to conduct in-depth research in towns and development zones, and the research activities played a propaganda role.
In order to support the construction of the park, organize business personnel to take the initiative to attack. In April, they visited 26 enterprises that entered the park, made a thorough investigation on their capital needs, and released promotional materials on guarantee business. At present, 9 enterprises have been provided with secured loans amounting to 72 million yuan.
Second, strengthen the cooperation between banks and enterprises and reduce the financing cost of enterprises.
Fangshan Sub-branch has actively developed good cooperative relations with Bank of Beijing and Beijing Rural Commercial Bank, covering more than 20 sub-branches of the above two banks, covering the whole administrative area of our district, which greatly facilitates local enterprises. In order to solve the timeliness of enterprise financing, the "Silver Bear Cooperative Association" was organized in June this year, which actively carried out business exchanges with cooperative banks, introduced business operation processes to each other and solved practical problems. Through communication, business operations are smoother and the financing processing speed of enterprises is accelerated. The processing time is about 1 month at the beginning of the business, and the loan can be released in three days at the earliest.
In order to reduce the financing cost of enterprises, Fangshan Sub-branch uses its own good credit and numerous resources to guarantee customers. After many consultations with the bank, the bank loan interest rate is controlled within 10%. In addition, the branch actively lowered the charging standards of guarantee fees and review fees, and the overall rate was reduced from the original 1.5% to1. Coordination with the notary office has reduced the notary fee, which fully embodies the purpose of Fangshan Sub-branch to fully serve enterprises and promote economic development.
Third, strengthen risk management and improve system construction.
Guarantee is a high-risk industry. In order to reduce the guarantee risk, the following three measures are taken.
(A) to revise the chapter system as the starting point, to build a sound evaluation system.
In order to reduce the guarantee risk, pay close attention to personnel management and system construction, and strictly implement a series of rules and regulations, such as business review system, monitoring management system for projects under insurance, management system for overdue compensation projects, and project manager responsibility system. Risk control includes review before guarantee, management in guarantee and compensation after compensation, covering the whole business process.
The project inspection adopts the rotation system of A and B angles, which makes the inspection results more accurate and comprehensive. The jury system shall be implemented for project evaluation. This year, we held 19 review meetings, participated in 125 projects, and 122 projects passed the review, and adjusted the guarantee amount for several projects. The jury system makes the project evaluation open and transparent, and improves the objectivity and scientificity of project decision-making.
(2) Actively explore scientific and effective counter-guarantee schemes to control guarantee risks. The formulation of counter-guarantee measures aims to control the core assets of enterprises and the assets of key personnel. Counter-guarantee measures include lease right pledge, movable property pledge, management right pledge, certificate supervision and so on. The increase of counter-guarantee varieties increases its default cost and strengthens the control ability of counter-guarantee.
(3) Strengthen insurance supervision and conduct on-site inspection.
Post-loan monitoring of insured items is one of the effective ways to reduce risks. Post-loan monitoring mainly adopts the following methods: 1) communicate with banks to understand the abnormal changes of enterprise capital flow. 2) Understand the current situation of enterprises through various channels in society. 3) Collect the company's financial statements regularly. 4) Conduct on-site inspection of warranty items, and check whether there are any changes in financial accounts, production and sales, and counter-collateral. 5) Send a notice of maturity to the enterprise whose loan is about to expire one month in advance, and urge the enterprise to repay the loan on schedule.
Fourth, innovate the service concept and deepen the service connotation.
In order to solve the problem of capital precipitation before the loan expires, insurance companies are organized to set up non-profit and membership mutual funds to provide small and short-term financial assistance to enterprises that are about to expire and have temporary difficulties in repayment. After active preparations last year, this work was officially put into operation this year. By the end of February, 56 enterprises had been organized and raised 5.6 million yuan. 14 enterprises used this fund to solve their urgent needs.
At the beginning of the year, the Financial Services Department was established, which mainly has the following three functions: First, it analyzes the financial situation of the applicant enterprises and puts forward evaluation opinions. The second is to provide financial guidance for enterprises with good business prospects and weak financial management. Since the establishment of the finance department, it has provided financial guidance to 12 enterprises, and through solid work, it has improved the financial management level and trained talents for enterprises. Third, the insurance agency business, in the course of operation, some enterprises are unwilling to spend money to buy insurance. Through patient and meticulous work and coordination with insurance companies to reduce the rate, they have now represented 20 enterprises.
Verb (abbreviation for verb) prepare for a rainy day and deal with risks.
During the Olympic Games, some enterprises stopped production and vehicles were restricted, which led to the shortage of funds for insured enterprises, the difficulty in repaying due loans and the increased guarantee risk. In view of this situation, Fangshan Sub-branch adopted 1 to use mutual funds to solve temporary difficulties for enterprises, mobilize enterprises to repay in advance, and simplify the next guarantee procedures for enterprises with good foundations. Due to proper measures, a total of 16 guarantees were issued during the Olympic Games, with a guarantee amount of 64.3 million yuan, providing secured loans for 14 enterprises, ensuring the normal operation of the insured enterprises and maintaining social stability during the Olympic Games. After the Olympic Games, the impact of the world economic crisis triggered by the subprime mortgage crisis in the United States on small and medium-sized enterprises in our region began to appear. Some enterprises reduced orders, decreased profits and increased guarantee risks. In view of the current situation, Fangshan Sub-branch conducted a temporary spot check on the insured enterprises on June 5438+0 1, analyzed the current risks, studied the countermeasures, and organized a bank-enterprise cooperation forum with Doudian Town and cooperative banks in due course. At the meeting, "we analyzed the current severe economic situation, reminded enterprises to invest cautiously, preserve their strength, strengthen the collection of accounts receivable and maintain reasonable liquidity." The seminar played a positive role.
Sixth, support superior enterprises to become bigger and stronger.
Give priority support to enterprises that meet the industrial orientation. For example, Beijing Otshur Health Products Development Co., Ltd. is a key enterprise in our region, producing and selling "Besunyen" series of health products. Fangshan Sub-branch has provided it with two loan guarantees of 42 million yuan, which enabled the enterprise to purchase advanced equipment, improve its production capacity and improve its business performance rapidly. In 2007, the sales revenue was 240 million yuan, and the tax paid was 24 million yuan. In 2008, the sales revenue reached 380 million yuan, and the tax paid reached 50 million yuan. Compared with 2007, the sales revenue and tax revenue in 2008 increased by 58% and 654.38+008% respectively, making it a big taxpayer in our region. Beijing Yanshan Kai Guanchang is a key enterprise producing electrical equipment in our district. In order to support the development of the enterprise, the branch provided a number of secured loans of * * * 25 million yuan. The enterprise successfully moved from the old factory to Fangshan Industrial Park, and built a new factory building 13700 square meters, which achieved good economic benefits. In 2007, the sales revenue of the enterprise was 8 1 10,000 yuan, and the tax paid was 3.2 million yuan. In 2008, the sales revenue of the enterprise was1100000 yuan, and the tax revenue was 5 10/00000 yuan. Compared with 2007, the sales revenue and tax paid in 2008 increased by 77% and 68% respectively. Beijing Jinlian Guoyu Brake Pump Co., Ltd. is a labor-intensive processing enterprise with fierce competition in the industry market. In 2006, the company entered BYD's car matching system through bidding. Due to the lack of liquidity, the company faces the dilemma of losing orders. In a difficult situation, the branch provided the company with a secured loan of 2 million yuan, which enabled the company to successfully fulfill the supply contract and obtain the exclusive supply right of BYD F4 single product. After investigation in 2008, the branch provided the company with a guaranteed loan of 5 million yuan, and the company's sales income reached 52 million yuan, an increase of 38% over 2007.
Seven, small guarantee work
Support laid-off workers to start their own businesses and actively provide small secured loans for individual industrial and commercial households. In 2008, 9 secured loans were handled, amounting to 450,000 yuan; A total of 4 secured loans/kloc-0, with an amount of 700,000 yuan.
Eight, exercise the team and cultivate team spirit.
Over the past year, Fangshan Branch, in accordance with the requirements of "internal strength and external image", has intensified its professional training for its personnel through four links of "learning, practice, summary and promotion", and further improved their professional level through the combination of centralized training and self-study. A good habit of actively learning business knowledge has been formed within the branch, which provides a guarantee for expanding business.
-There's a problem.
First, the project is difficult to test.
Some small and medium-sized enterprises have extensive management, frequent flow of financial personnel, lack of full-time accountants, incomplete financial accounts, non-payment of assets and chaotic accounting treatment. There are also some enterprises that are unwilling to provide true information because of economic secrets and other reasons. Enterprises want to borrow money but are unwilling to disclose their finances; In addition, some enterprises provide false materials for loan financing. The above reasons increase the difficulty of project inspection and the guarantee risk.
Second, the implementation of counter-guarantee is difficult.
In business operation, it is found that the execution of counter-guarantee link has become the difficulty in handling guarantee business: 1. Because the counter-guarantee measures such as the pledge of leasehold rights require the signature of villagers' representatives, the counter-guarantee measures cannot be implemented or are difficult to implement. 2. Repeated handling of various mortgage procedures every year, which is cumbersome and time-consuming, and strongly reflected by enterprises.
Third, legal links need to be improved.
Guarantee business involves a lot of legal affairs, and legal knowledge involves many laws such as property law, guarantee law, civil law, land management law and rural land contract law. The legal relationship is complicated. Due to the lack of legal professionals, it is difficult to ensure long-term business needs only by relying on lawyers and existing legal knowledge.
-Work plan for next year
With the outbreak of the world economic crisis and the decline of the domestic economy, small and medium-sized enterprises are facing a serious shortage of liquidity, which increases the risk of the guarantee industry. In view of the above situation, we should actively innovate new service measures, explore new ideas and methods of risk management, support enterprise development, reduce guarantee risks and ensure the safety of guarantee funds. In 2009, Fangshan Sub-branch will guide the guarantee work with the 26-word policy of active support, steady expansion, good use of funds, clever use of funds, risk reduction and economic development.
First, actively and steadily promote the development of guarantee business.
Continue to expand the sources of projects, and focus on supporting high-tech, energy-saving and environmental-friendly projects that are in line with national industrial policies, which are recyclable and have good social benefits; In addition, enterprises in the development zone have strong strength, land mortgage and low guarantee risk, which should be the focus of support; Follow up and support the key projects of the district government and industry bureau.
Two, strengthen insurance monitoring, to ensure the safety of funds.
With the continuous development of business, a set of institutionalized, standardized and standardized management system has gradually formed. In the future business development, it is necessary to strictly implement the financial statements of enterprises that receive loans on a monthly basis, regularly listen to the reports of financial personnel of enterprises, visit enterprises at any time, increase monitoring efforts, and achieve "eye diligence, leg diligence, mouth diligence and hand diligence", visit enterprises more, ask more about their status, read more enterprise information and check in place. Check the insured items with the loan bank at any time in time, sort out the existing problems, and take corresponding measures in advance if there are signs of danger. By strengthening the above measures, we will strive to avoid or reduce engineering compensation and realize the safe, scientific and efficient operation of guarantee funds.
Third, promote the construction of township guarantee system.
In order to strengthen the risk control of township government, the project recommended by township government will be adopted in 2009. Township authorities shall conduct preliminary examination, recommendation and guarantee on the application for guarantee of local enterprises. After the loan is in place, assist the branch to monitor the guaranteed enterprises, and mobilize towns and villages to participate in the control of guaranteed projects and post-loan monitoring, so that towns and villages become an important link in risk prevention and control.
Fourth, deepen services and reduce risks.
Continue to play the role of mutual aid association of insurance enterprises, financial service department and economic circle, provide tangible services for enterprises, and make enterprises regard Fangshan Branch as sincere friends and consciously establish a sense of integrity. Achieve the purpose of reducing risks through services.
5. Cultivate high-quality customers and encourage enterprises to be honest and trustworthy.
In 2009, we should try our best to select enterprises with high credibility, good business prospects and standardized management from the insured enterprises and identify them as high-quality customers of the branch. For the guarantee application of high-quality customers, simplify the guarantee procedures, encourage enterprises to be honest and trustworthy, and strive to build an honest society.
Sixth, supplement professional talents and strengthen team building.
With the continuous increase of business volume and the improvement of internal management, higher requirements are put forward for team building, and talent resources with corresponding professional knowledge and titles are urgently needed as support. Therefore, the company plans to add a commercial accountant to supplement its strength in project evaluation and financial guidance services for enterprises; Add a professional lawyer to supplement the weakness of the legal link.
In 2009, the once-in-a-century international economic crisis is full of opportunities and challenges for the guarantee industry, and we will undertake arduous tasks and great risks. However, we firmly believe that under the leadership of the Industry Bureau and with the support of the Capital Guarantee Company, we will overcome difficulties, resolve risks and push the guarantee work to a new level with a high sense of responsibility.