summary of the work of the investment and financing department in the middle of the year
according to the economic and social development plan, under the premise of not taking profit as the direct purpose, it is a kind of capital activity to support enterprises or institutions to develop production and undertakings by means of direct or indirect loans. The following is the "summary of the work of the investment and financing department in the middle of the year" I prepared for you. Welcome to refer to it and hope it can help you.
summary of the mid-year work of the investment and financing department-
under the correct leadership of the company's management team, with the strong support and enthusiastic help of relevant departments, I United and led the employees of the department, and based on my post, successfully completed the planned work at the beginning of the year and other tasks assigned by the leaders. In order to promote the work in the new year, the work in the past year is reported as follows:
First, strengthen study and improve one's own quality.
This year is a very important year for the rapid development of Shenzhen Kangtai Biological Products Co., Ltd., and it is also a year full of tests and challenges for the company's financing work. In order to improve my ideological quality and professional ability, I pay attention to strengthening study and exercise, and always be strict with myself. Over the past year, I have actively participated in various learning activities organized by the company, systematically studied and understood the principles and policies of the party and the state through television, internet and newspapers, further improved my ideological level and political theory accomplishment, and always worked with the company in thought and action. In order to improve my professional level, I also constantly strengthen the study of contemporary economy, management, science and technology, law and other aspects, so as to broaden the knowledge level and update the knowledge structure. Through the study, I have mastered the skills of self-promotion, company promotion, communication with customers, rejection handling, etc., and my organizational management ability, comprehensive analysis ability and coordination ability have been greatly improved, ensuring the normal operation of all work in this position.
second, stick to the center and earnestly perform your duties.
as the manager of the company's financing department, it is my main duty to find bank funds and meet the company's business needs. In my work, I closely focused on the company's decision-making and deployment, based on reality, earnestly performed my duties and achieved practical results.
(1) new achievements have been made in bank financing.
Since its establishment, the company has been mainly engaged in selling hepatitis B vaccine, with good sales performance, steady annual profit development and sufficient liquidity. This year, the company invested heavily in building a vaccine industrialization base in Beijing. Due to the expansion of production and operation scale, the company needs external financing to meet the demand. In the context of further tightening of financing policy, the company's financing staff overcame the practical difficulties that the bank credit policy remained indifferent to the financing of biopharmaceutical industry. Under the correct leadership of the company's management, they overcame the difficulties and did a lot of work in financial institutions such as China Construction Bank, Industrial Bank, China Merchants Bank, Huaxia Bank, China CITIC Bank and Bank of Ningbo, successfully completed the comprehensive credit granting work of the company and solved the funds needed for the company's business development in time. At present, the loan fund has reached 4 million yuan, which has timely guaranteed the capital demand for the construction of Beijing vaccine production base project. It is particularly worth mentioning that this year, the Finance Department has been brave in innovation and development in financing channels. On the premise of successfully operating loans for vaccine industrialization projects, it has also actively developed the capital operation market, and successfully obtained 245 million yuan of trust funds from Industrial Bank and China Construction Bank by means of standby credit, accumulating rich experience and playing a very important role in the development and construction of the whole company.
(2) A new breakthrough was achieved in "Beijing Industrial Development Fund Discount".
on the premise of minimizing the financing cost, the company's financiers applied to Beijing Industrial Promotion Bureau, Ministry of Industry and Information Technology and Beijing Municipal Development and Reform Commission for large loan interest subsidies in the month when they signed a formal loan contract with China Construction Bank. Because the registered address of Minhai Company is in Beijing, the loan bank is in a different place and Minhai Company is still in the construction stage, which does not meet the hardware conditions of "good operation" required by government subsidies, and it was determined by the relevant government departments in the first application as "an enterprise that does not support loan interest subsidies". In the second application, under the correct guidance of the management, the company's financing personnel understood the thinking of senior government leaders, determined the main direction, made clear the operation steps, faced difficulties, overcame all difficulties, and withstood various pressures. Finally, in the last batch of declared projects this year, Minhai's discount application was passed, which directly saved the company 25 million yuan in cost, and 6.2 million yuan was received in advance on December 29, greatly alleviating the company's financial pressure in the next two years. At the same time, taking this as the entry point, it will open the gap of government's "discount interest" and ensure the company to minimize the cost of using loan funds in the future, which will also save a lot of capital costs for the company.
third, the company's rules and regulations have been implemented.
in the past year, I have conscientiously implemented the company's rules and regulations according to the company's requirements, and fulfilled my duties in combination with the actual work. First, adhere to the principle of stressing the overall situation, unify thoughts with the cause, unite strength with development, and communicate thoughts through heart-to-heart talks, which promotes the unity, harmony and synergy of department members, creates a harmonious, smooth and energetic working environment, and promotes the innovative development of department work. The second is to pay close attention to system implementation. I insist on strict requirements, strict education, strict management, and strict supervision throughout all aspects and links of my thinking, style, discipline, and work. I treat the employees of the department objectively and fairly, and I don't favor one over the other, and I don't engage in closeness, creating a harmonious atmosphere of mutual cooperation, mutual help, and Qi Xin's concerted efforts, which has enhanced the cohesion and combat effectiveness of the department. Over the past year, my employees and I have been able to seriously implement the company's regulations, and we have not found a case of violation of law and discipline.
in the past year, the achievements made by the finance department were hard-won, which were the result of the company's leaders' great attention and strong leadership, the strong support of the brother departments, and the United struggle, self-pressure and hard work of all the staff in the finance department. Here, I would like to express my heartfelt thanks to all of you! Achievement embodies the support, encouragement and help of leaders and colleagues. The honor belongs not only to me personally, but also to our excellent team. Achievement is not the end, but a higher and newer starting point.
with the development of the company, the task of the financing department is arduous. Under the strong leadership of the company, we will continue to work closely around the management center, think hard, seek hard and act hard, and make new and greater contributions to the leap-forward development of the company with more enthusiasm and more pragmatic style.
thank you! Summary of the work of the investment and financing department in the middle of the year II
The company conscientiously implements the proactive fiscal policy and prudent monetary policy implemented by the state, revolves around the goal of "three struggles, two constructions and one leap" put forward by the municipal party committee and the municipal government, and adheres to the working idea of "based on stability, striving for Excellence in stability", actively adapts to the new changes in the economic and financial situation, conforms to the financing guarantee needs of enterprises, and actively practices the "three major actions" to promote the rapid development of small and medium-sized enterprises. Focusing on activating the relationship between banks and enterprises, breaking through the financing difficulties of enterprises, innovating the guarantee operation mechanism and improving the guarantee service function as the core, constantly enhancing the inherent vitality of guarantee and striving to improve the quality and efficiency of guarantee operation.
from January to June, 99 small and medium-sized enterprises have been provided with secured loans of 445.58 million yuan, an increase of 5 million yuan or 12% compared with the same period of last year. The secured loans have been released of 364.6 million yuan, and the balance of the insured liabilities is 73.64 million yuan. The guarantee performance rate has reached 1%. The income from the guarantee business has reached 6.45 million yuan, the tax has been paid of 1.6 million yuan, and the national and provincial guarantee project funds have been declared. The company's operation has shown a good development trend of orderly growth of business scale, rising business performance, gradually enhanced anti-risk ability and increasingly significant guarantee benefits, and entered the fast lane of healthy development. The work in the first half of the year mainly focuses on the following six aspects:
1. Optimizing the guarantee structure.
1. corporate governance structure. According to the Articles of Association, a general election meeting of the company was held on March 9, and new directors, supervisors, chairman and chairman of the board of supervisors were elected. The new shareholders' meeting, board of directors and board of supervisors were formed, and the basic framework that meets the requirements of modern enterprise system was established. The decision-making power, executive power and supervision power were established, which were independent and coordinated with each other, and the operation mechanism of effective checks and balances was improved.
2. Ownership structure. According to the principle of relative concentration of equity and reasonable structure, the original shareholders are classified and merged, and the equity reorganization is implemented, which increases the space for the guarantee to absorb capital and strengthens the development strength of the guarantee. On May 18th, the company held a shareholders' meeting and passed the plan of increasing capital and shares. The number of shareholders decreased from 49 to 47, the registered capital increased from 15 million yuan to 2.1 yuan, the guarantee fund was expanded by 6 million yuan, and the annual financing guarantee capacity was increased from less than 1 billion yuan to 1.5 billion yuan.
The existing capital structure is: 17.1 million yuan of state-owned capital, accounting for 51%; Private capital was 12.9 million yuan, accounting for 49%. It highlights the holding position and supporting role of state-owned capital.
3. personnel structure. Combining with the characteristics of the guarantee industry, the company adapts to the needs of guarantee management, adopts the combination of examination and assessment, adheres to the principle of quality first and specialty first, and selects seven business backbones with guarantee-related professional titles and certain working experience, which enriches the guarantee posts. At the same time, all employees on the job are trained intensively, which improves the comprehensive quality of business personnel and enhances the cohesion and combat effectiveness of company employees.
4. management structure. First, set up departments reasonably, clarify job responsibilities, and ensure coordinated work and smooth management; The second is to straighten out the management relationship, determine the management level of the company, and make the rights and responsibilities clear and consistent; The third is to refine the management system, implement the company system to fully cover the management process, promote the harmony and unity between management structures, and plug the loopholes in guarantee management.
second, enhance the cooperation between banks and insurance companies.
1. develop partners. Taking the establishment of mutual trust and win-win mechanism between bank and insurance as the breakthrough point, the company has closely carried out multi-level communication and exchanges with financial institutions, which has increased the integration and attractiveness of guarantees and strengthened the willingness of cooperation between the two parties. At present, loan guarantee cooperation agreements have been re-signed with Bank of China, Agricultural Bank of China, Agricultural Development Bank and Wuxue Rural Commercial Bank, and guarantee cooperation intentions have been reached with Wuxue Construction Bank and Wuxue Postal Bank. Business cooperation with Huanggang China Merchants Bank and Wuhan Pudong Development Bank is under negotiation.
2. Expand the scale of cooperation. Taking the promotion of credit rating as a breakthrough, the company took advantage of the brand advantage formed by the company's access to provincial demonstration units, attracted great attention from provincial financial institutions, obtained the guarantee qualification of provincial banks, and gave key support in the cooperation scale and amplification ratio. The guarantee credit line reached 1.1 billion yuan, and the amplification ratio was 7 times except Wuxue Rural Commercial Bank, which remained unchanged at 5 times.
3. Broaden the scope of cooperation. According to the characteristics of small and medium-sized enterprises' financing amount, short term and high efficiency, adapting to the adjustment of bank credit structure and the change of credit products, the single working capital loan guarantee is extended to multiple varieties and varieties, such as loan guarantee, bill guarantee, trade financing guarantee, project performance guarantee, enterprise ten corporate loan guarantee, etc., so as to realize the docking of bank insurance business varieties and the convergence of service fields.
4. unblock cooperation channels. The company has established a mechanism for information exchange of business personnel and mutual visits of senior executives with banks, and promoted in-depth cooperation under the principle of equality and mutual benefit; Reduce differences in cooperation, eliminate obstacles to cooperation, gradually realize the bank's loan at sight and speed up lending, and achieve the "four similarities", that is, synchronization of investigation, approval, contract and capital.
third, standardize the guarantee operation.
1. The guarantee operation is institutionalized. Combined with the reality of guarantee business, the company revised and improved a series of guarantee business rules and regulations, such as business acceptance system, guarantee investigation system, risk assessment system, guarantee evaluation system, etc., standardized the guarantee process by system, subdivided the guarantee links by system, clarified the key points of investigation and evaluation by system, and improved the rules of procedure by system. Under the constraints of various systems, all employees implemented it autonomously, ensuring smooth business handling procedures.
2. Guarantee acceptance is made public. The company set up a guarantee consultation telephone number and an information exchange platform, and publicized the basic conditions of the guarantee, so as to increase the transparency of the guarantee business, realize zero-distance contact with the enterprise, let the enterprise prepare relevant guarantee materials in time, strive for the enterprise to operate in compliance with the law, pay attention to the growth and tax contribution of the enterprise, and implement the one-vote veto of credit, so as to ensure strict guarantee entry and prevent "illness from entering the mouth".
3. The guarantee investigation is concrete. When business personnel go deep into the field investigation of enterprises, they must draw up a guarantee investigation plan, conscientiously implement the principle of "double investigation, on-the-spot inspection and true reflection", choose the investigation method of combining internal and external, and grasp the core of guarantee investigation, that is, one vote (tax bill), two quantities (logistics volume and cash flow), three products (products, characters and mortgaged items) and four tables (water meter, electric meter, payroll and financial statements).
4. Standardization of guarantee evaluation. The company determines the main indicators of the guarantee review and makes specific scoring standards, and implements a "three-level" review, that is, the risk control department reviews and analyzes the compliance and legality of the guarantee investigation to ensure the operability of the guarantee; The evaluation meeting will comprehensively evaluate the guarantee project according to the evaluation criteria to ensure that the guarantee risk is controllable; The chairman of the board makes the final decision on the guaranteed project to ensure the safety and efficiency of the guaranteed project are unified.
5. guarantee processing is timely. The company integrates the procedures and formalities for handling the guarantee business, and implements the procedures of simplifying the inside and simplifying the outside on the premise of ensuring the operational independence of the guarantee business, that is, it takes no more than ten working days from the acceptance of the application to the issuance of the guarantee letter, and strives to handle the business efficiently and quickly, ensuring the docking of the bank insurance procedures and the timely arrival of the loan funds.
fourth, innovate the guarantee mode.
1. change the concept of guarantee. The company has established the business philosophy of "honesty is the foundation, responsibility is the most important, and enterprise is the center", and determined the service tenet of "not taking profit as the main purpose, focusing on cultivating guarantee subjects and economic growth points", and promoted the development of guarantee business in the enterprise with full service, so that the enterprise can truly feel that the company is not only undertaking the guarantee responsibility, but actually exporting a kind of integrity and service.
2. release the guarantee function. First, export guarantee credit, promote the interaction between banks and enterprises, fill the financing gap of banks and enterprises, improve the credit rating of enterprises, and let enterprises enter the "threshold" of bank access smoothly; The second is to enlarge the guarantee funds, incite the scale of bank credit, and pull the bank credit funds to tilt towards small and medium-sized enterprises; Third, relying on financing intermediaries, integrating the idle funds of shareholder enterprises, and promoting mutual adjustment between enterprises and continuing the enterprise capital chain when the enterprise loan funds are not replenished in time.
3. Change the service mode. First, extend the coverage of the guarantee, and break the restriction of the guarantee object by the enterprise scale and real estate collateral. As long as the enterprise has products, markets, development prospects and certain social contributions, the company will spare no effort to provide guarantee support, and the insured enterprises have covered industries such as medicine and chemical industry, machinery and ships, building materials, business services and agricultural and sideline products processing. The second is to implement the guarantee service.