Financing guarantee refers to the principal and interest repayment guarantee provided by the guarantor for the insured to finance the beneficiary. The following is my summary of the work of financing guarantee companies, and welcome your reference.
Fan: Summary of the work of the credit financing guarantee company. With the care and support of the county party committee and the county government, and under the direct leadership and guidance of the county SASAC, the company adheres to the business policy of honesty and trustworthiness and controllable risks, actively and steadily carries out its work, gives full play to the leverage of financing guarantee, effectively solves and alleviates the financial difficulties in the production and operation of small and medium-sized enterprises and individual operators in our county, strongly supports the development of small and medium-sized enterprises in our county, and achieves good social benefits.
I. Guarantee business and asset management
1, guarantee business work
In 20xx, due to the macro-control of the state and the implementation of a moderately prudent monetary policy, bank loans decreased. In order to strengthen loan risk management and reduce the risk of financing guarantee, our company has adopted the business strategy of reducing the amount of financing guarantee. In 20xx years, the company has provided 65,438+032 guarantees with an amount of 65,438+069,654,38+060,000 yuan (including 65,438+058,060,000 yuan for 48 small and medium-sized enterprises). At the end of the year, the balance of guarantee liabilities was RMB 654.38+089.8 million, of which:
3, guarantee compensation and recovery work
In 20xx, the company accumulated 27 guarantees with the amount of 6,543.8+0,544,000 yuan, of which the performance guarantee compensation and loan guarantee compensation provided by Hu Axiang Group (Wen Yingxiang) for Yinfeng International Center Project amounted to more than 9.6 million yuan.
The court prosecuted 15 cases, with the amount of120,000 yuan, and recovered1890,000 yuan through court execution and mediation. Among them, the compensation of performance guarantee and loan guarantee provided by Hu Axiang Group (Wen) for Yinfeng International Center Project is in the process of implementation.
3. Asset management:
At the end of 20xx, the company's total assets were 67.02 million yuan, an increase of17.02 million yuan compared with the total invested state-owned capital of 50 million yuan, with an appreciation of 34%. Total liabilities13.55 million yuan (including accumulated guarantee compensation reserve of 3.54 million yuan, accumulated unexpired liability reserve of 5.26 million yuan and guarantee deposit of 4.24 million yuan), owner's equity of 53.47 million yuan (including paid-in capital of 50 million yuan, capital reserve of 3.2 million yuan, general risk reserve of/kloc-0.60 million yuan and surplus reserve of 70,000 yuan). In 20xx, the company realized premium income of 6.5438+0.73 million yuan and net profit of 6.5438+0.2 million yuan.
Second, the main work carried out:
1. Strive to expand the guarantee business and alleviate the financing difficulties of enterprises to the greatest extent.
As a state-owned policy guarantee company, we always take promoting the development of county economy, improving the credit of small and medium-sized enterprises, broadening the financing channels of small and medium-sized enterprises and promoting the reform and development of small and medium-sized enterprises as our primary tasks. However, due to its late start, small capital, weak anti-risk ability, few high-quality assets available for counter-guarantee, imperfect financial system, irregular financial management and no credit record in banks, it is difficult to obtain loans from banks. In order to solve these problems, the company took financial verification, on-site investigation, peripheral investigation and other measures to learn more about the enterprise, flexibly implement counter-guarantee measures, and do everything possible to facilitate its communication with the banking department. Through our unremitting efforts, most enterprises with good development prospects and excellent comprehensive benefits have successfully obtained secured loans, solved the problem of capital shortage in enterprise development, promoted the rapid and healthy development of these enterprises and achieved good social benefits.
2. Take flexible and diverse counter-guarantee measures to serve the development of enterprises.
At present, the counter-guarantee measures taken by our company are as follows: first, the actual controller and main operator of the enterprise guarantee unlimited liability; The second is the mortgage of land use rights, real estate, machinery and equipment; Third, commitment letter, judicial justice, etc. On the one hand, it supports enterprise development, on the other hand, it controls the company's own risks. Through the above guarantee measures, more than 50 enterprises and more than 30 individual industrial and commercial households in our county were provided with secured loans, which eased the financial difficulties of enterprises and ensured the normal production of small and medium-sized enterprises in our county.
3. Constantly standardize management and effectively control guarantee risks.
Since the beginning of this year, the company has further strengthened the risk management of the guarantee business. First, according to the specific problems of the current guarantee business, the operation method of the guarantee business has been re-formulated, the service scope for small and medium-sized enterprises has been expanded, and the practical operability of the guarantee business has been enhanced. Second, the guarantee review system was improved and the guarantee review committee was established, which effectively controlled the occurrence of guarantee risks from the source. III. For the long-term standardized development of our county's guarantee business, the company has been filed in the Provincial Small and Medium Enterprises Bureau and brought into the unified supervision of the provincial guarantee industry management department.
Third, the existing problems
1, with little registered capital.
With the continuous development of the scale of small and medium-sized enterprises in our county, the demand for funds is also excessive, and the financial department can only issue secured loans to single-family loan enterprises according to 10% of the registered capital of the guarantee company. Therefore, according to our company's current registered capital of 50 million, a single loan can only reach 5 million, which is far from meeting the capital needs of medium-sized enterprises in our county.
2. The charge ratio of guarantee business is low.
According to the national regulations, the proportion of guarantee business fees shall not be higher than 50% of the bank loan interest rate. Because our company is a policy guarantee company, not for profit, our current charging ratio is only 1, 2%- 1, 8%, and the profitability is not strong.
3. The secured loan business is risky.
In 20xx, in order to support the construction of Yinfeng International Business Center in our county, with the coordination of the government, our company provided Hu Axiang Group with performance payment and loan guarantee. Up to now, our company has compensated Yinfeng International Business Center (Hu Axiang Group Company) for performance guarantee and loan guarantee of more than 9 million yuan, and Mianyang Xinhua Construction Company has requested our company to undertake the guarantee responsibility through judicial procedures. And through legal means, the bank account opened by our company was sealed and frozen. Although our company has temporarily unfrozen the bank account by coordinating the current court, the guarantor's ability to fulfill the debt responsibility is weak at present, and the company's guarantee responsibility still exists.
IV. Next Work Plan and Suggestions
1. Request the government to allocate 50 million yuan to expand the registered capital of the company, and strive to reach/kloc-0,000,000 yuan in 20xx to further support the development of small and medium-sized enterprises in our county.
2. Increase the proportion of guarantee fees.
It is suggested that the charging ratio should be increased to 2%-3%, and the credit rating of the insured enterprises should be evaluated, and the preferential guarantee policy should be implemented for honest and trustworthy small and medium-sized enterprises.
In accordance with the operating principle of "benefit sharing and risk sharing", we will strive to establish a fair and reasonable cooperative relationship. Strengthen business communication. In terms of recommending customers to each other and participating in project inspection, * * * will prevent and control risks, effectively solve corporate financing problems, promote corporate credit upgrading, and promote the construction of our county's credit system.
3. Actively collect non-performing secured loans.
It is necessary to strengthen contact with banks and courts, actively collect overdue secured loans through various means and measures, and strive to minimize compensation losses.
Fan: Summary of Annual Work xx Modern Agricultural Financing Guarantee Company is the third year of the global financial subprime mortgage crisis and the first year of the Twelfth Five-Year Plan. Driven by the strong leadership of the central, provincial and municipal party committees and governments and a series of economic stimulus measures, the economy of our city has overcome the adverse effects brought by the financial crisis and maintained a strong growth momentum. While affirming the achievements of the Eleventh Five-Year Plan, the municipal government has determined three major linkage policies in the Twelfth Five-Year Plan: "big traffic, big industry and big city". In this regard, financial institutions and various financing platforms including guarantee companies will closely focus on the overall planning of the government and increase financial support to ensure the smooth implementation of the "Twelfth Five-Year Plan" in our city.
In xx years, under the direct leadership of the Municipal Economic Commission and the guidance of the Municipal Finance Office, all employees of the company worked with one heart and one mind to forge ahead and achieved excellent results in the first year of entrepreneurship. The annual financing guarantee amount exceeded 400 million yuan. With the approval of the municipal party Committee and the government, the company successfully merged with superstar animal husbandry financing guarantee Co., Ltd. in April this year, and the registered capital increased from 654.38 billion yuan to 6543.8+ 0 and 654.38 billion yuan. The accumulated risk reserve reached 65.438+0.25 billion yuan, and the company's total assets exceeded 65.438+0.4 billion yuan, a year-on-year increase of 40%; Through unremitting efforts, the company's credit rating has been upgraded from aa- to aa+, which is an important symbol of the company's overall quality and core competitiveness. The development of the company and the growth of business volume have played a positive role in promoting the rural economic development of our city.
Xx year summary:
1. The total amount of financing guarantee exceeded 400 million yuan, and the work target set by the board of directors at the beginning of the year was completed.
By the end of February, 65,438, the company had provided financing guarantees 105 for various enterprises and individual operators in our city, with an amount of 4140,000 yuan, accounting for 104% of the annual target of 400 million yuan.
Modern Agricultural Financing Guarantee Co., Ltd. 1 to 12 Statistics of Guaranteed Financing in Districts and Counties (omitted)
Second, the company successfully acquired the superstar guarantee company, and its capital strength continued to grow.
In April, 2006, with the approval of the Municipal Party Committee and the government, the company successfully merged with Giant Star Animal Husbandry Financing Guarantee Co., Ltd., and the registered capital of the company increased to 65,438+0 and 65,438+0 billion yuan, which laid a solid foundation for ensuring the realization of the 12th Five-Year Plan and the company's own development.
Third, continue to maintain and improve the company's comprehensive quality and core competitiveness.
Since its establishment, our company has absorbed the management experience of the parent company-SME Financing Guarantee Co., Ltd., continued the institutional system of the parent company, and introduced the management methods of five institutional systems: operating mechanism, business process, risk control, administrative management and human resources in combination with its own characteristics, and constantly optimized and improved it in its work, and always insisted on ideological and moral education and business ability training for employees, so that the team quality and operational management ability were steadily improved. Thanks to the unremitting efforts of all staff, it was upgraded to aa+ credit rating by Dahua Guo Xin Credit Management Company in June 5438+February this year, and the credit rating jumped by two grades, which is an important symbol of the company's overall comprehensive quality and core competitiveness, and laid a solid foundation for the company's future sustainable development.
Fourth, strengthen cooperation with financial institutions.
In xx, the company closely followed the bank cooperation policy of "casting a net in an all-round way and focusing on fishing" determined at the beginning of the year, and successively submitted credit information to 14 financial institutions and 10 credit cooperatives, such as China Development Bank, Shenzhen Development Bank, China CITIC Bank, Chongqing Bank and Industrial Bank, and signed general cooperation agreements with five banks and seven county credit cooperatives. In 2008, five financial institutions provided financing guarantee credit to our company, with the amount of RMB 500 million to RMB 800 million (without credit cooperation). With the continuous strengthening of the company's capital strength and the improvement of its credit rating, various financial institutions have successively increased the magnification of the company's guarantee funds. Except for one company, which is 8 times, other magnifications can reach 10 times, and the magnifications of low-risk businesses of three financial institutions can reach 20 times, which greatly improves the company's capital utilization rate and financing guarantee ability.
Xx years work characteristics:
First, around the strategy of integrating the guarantee market and strengthening the agricultural credit guarantee system, we successfully acquired superstar animal husbandry financing guarantee co., ltd.
The company put forward the strategy of re-integrating the city's agriculture-related guarantee system, optimizing the allocation of resources and strengthening the agricultural credit guarantee system. Through various efforts, in April this year, the company successfully merged with superstar animal husbandry financing guarantee co., ltd. After the merger, the registered capital of the agricultural guarantee company increased from 65.438+0 billion yuan to 65.438+0 and 65.438+0 billion yuan, and at the same time, the outstanding employees of the original superstar guarantee company were absorbed and merged. This merger not only enhances the company's capital strength, but also improves the overall quality of the whole team, which is conducive to the company to better provide guarantee services and financial support for the agricultural development of our city.
The second is to innovate ideas and actively support corporate mergers and acquisitions.
Jingyan Shuxiu Textile Company is a small private textile enterprise, and its parent company guarantees a loan of 3 million yuan, which solves the urgent need of insufficient liquidity. Due to the conservative thinking of the owners, backward management and poor operating efficiency, the development of the enterprise is not ideal. This year, the company learned that Sichuan Kang Yin Textile Company intends to acquire Shu Embroidery Company, and realized that this is a good opportunity to help enterprises get out of the predicament, and immediately made a positive gesture and expressed strong support. At the critical moment of the acquisition, the secured loan of RMB 65,438+065,438+0 million not only contributed to the acquisition, but also solved the capital demand after the expansion of the enterprise in time.
Sichuan Xiangguang Agricultural Science and Technology Co., Ltd. is an agricultural enterprise that grows and processes yew with the strong support of its parent company. Although the company has the advantage of planting yew, the processing advantage is not obvious, especially after the completion of the processing plant, it has been unable to produce products and its sales performance is zero. In view of this situation, our company offered to introduce strategic investors, which can not only solve the capital problem, but also introduce advanced technology and management system, and the company said it could consider it.
Third, continue to increase support for agriculture, rural areas and farmers.
According to the requirements of the municipal government to "pay more attention to agriculture, countryside and farmers", the company will focus its business on rural areas, better serve the rural economy, strive to break through the "bottleneck" of agricultural development funds and promote the development of modern agricultural industrialization in our city. A large number of industrialized agricultural production enterprises, such as Hagao Group, Guo Rong Company and Wuwang Company, have received strong support from the company, solved the financial difficulties and gradually become the leading enterprises and pillar industries in all districts and counties.
Fourth, reach a strategic cooperative relationship with city commercial banks.
In order to better promote the cooperation between banks and enterprises, give full play to the bridge role of guarantee companies, and make maximum use of existing resources, the company reached a strategic cooperation agreement with municipal commercial banks in September 2006. The agreement establishes the cooperative partnership between the guarantee company and the commercial bank, which indicates that the cooperation between the company and the commercial bank has reached a new level, which better guarantees the safety of funds and raises the risk prevention and control measures to a new level. Our company and commercial banks will work together to contribute to the development of financial markets.
Fan Wensan: Half-year work summary of SME financing guarantee company. In 20xx, the company earnestly implemented the proactive fiscal policy and prudent monetary policy implemented by the state. Focusing on the goal of "three struggles, two constructions and one leap" put forward by the municipal party committee and the municipal government, and in line with the working idea of "based on stability and striving for Excellence in stability", we actively adapt to the new changes in the economic and financial situation, conform to the financing guarantee needs of enterprises, and actively practice the "three major actions" to promote the rapid development of small and medium-sized enterprises. Focusing on activating the relationship between banks and enterprises, solving the financing difficulties of enterprises, innovating the guarantee operation mechanism and improving the guarantee service function as the core, we will continuously enhance the inherent vitality of guarantees and strive to improve the quality and efficiency of guarantee operation.
20xx 1-6 months, secured loans of 445.58 million yuan have been provided to 99 small and medium-sized enterprises, an increase of 50 million yuan year-on-year, or 12%. Guaranteed loans amounted to 364.6 million yuan, and the balance of secured liabilities was 730.64 million yuan. The guarantee performance rate reached 100%, and the guarantee business income was 6.45 million yuan. With the application of 55 million yuan national and provincial guarantee projects, the company's operation has shown a good development trend of orderly growth of business scale, rising business performance, gradual enhancement of 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 focused on the following six aspects:
The first is to optimize the guarantee structure
1, corporate governance structure. According to the company's articles of association, the company held a general meeting of shareholders on March 9, and elected new directors, supervisors, chairman and chairman of the board of supervisors. A new shareholders' meeting, board of directors and board of supervisors have been established, and a basic framework that meets the requirements of modern enterprise system has been established. The decision-making power, execution power and supervision power are established to be independent and coordinated with each other, and the operating mechanism of effective checks and balances is improved.
2. Ownership structure. According to the principle of relatively concentrated 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 enhances the development strength of the guarantee. 18 On May 8th, the company held a general meeting of shareholders and passed the plan of increasing capital and shares. The number of shareholders decreased from 49 to 47, the registered capital increased from 1 0.50 billion yuan to 2 1 yuan, the guarantee fund expanded by 60 million yuan, and the annual financing guarantee capacity increased from less than1billion yuan to 65438+.
The existing capital structure is: state-owned capital 10765438+ ten thousand yuan, accounting for 51%; Private capital is 6.5438+0.029 million yuan, accounting for 49%. It highlights the holding position and supporting role of state-owned capital.
3. Personnel structure. Combined with the characteristics of the guarantee industry, the company adapts to the needs of guarantee management, adopts the method of combining examination with assessment, adheres to the principle of quality first and specialty first, and selects seven business backbones with relevant professional titles and certain work experience, thus enriching the guarantee posts. At the same time, all on-the-job employees 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 smooth work coordination and 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-based full coverage management process, promote the harmony and unity between management structures, and plug the loopholes in guarantee management.
Second, strengthen cooperation between banks and insurance companies.
1, development partner. In 20xx, the company began to establish a win-win mechanism of mutual trust between banks and insurance companies, and closely carried out multi-level communication with financial institutions, which increased the integration and attractiveness of guarantees and strengthened the willingness of cooperation between the two parties. At present, it has re-signed loan guarantee cooperation agreements with Bank of China, Agricultural Bank of China, Agricultural Development Bank and Wuxue Rural Commercial Bank, and reached guarantee cooperation intentions with Wuxue Construction Bank and Wuxue Postal Savings 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 advantages formed by provincial demonstration units, which attracted the attention of provincial financial institutions, obtained the guarantee qualification of provincial banks, and gave key support in cooperation scale and magnification. The guarantee credit line reached 654.38+065.438+0 billion yuan, and the magnification of other cooperative banks exceeded 7 times except Wuxue Rural Commercial Bank.
3. Broaden the scope of cooperation. According to the characteristics of large financing amount, short term and high efficiency of small and medium-sized enterprises, and adapting to the adjustment of bank credit structure and the changes of credit products, the single working capital loan guarantee will be expanded into loan guarantee, bill guarantee, trade financing guarantee, project performance guarantee, enterprise ten company loan guarantee and other varieties. , so as to realize the docking of bank insurance business varieties and the connection of service fields.
4. dredge cooperation channels. The company and the bank have established a mechanism for information exchange of business personnel and mutual visits of senior executives to promote in-depth cooperation under the principle of equality and mutual benefit; Reduce differences in cooperation, eliminate obstacles in cooperation, gradually realize spot loans from banks and speed up lending, and achieve "four synchronizations", namely, synchronization of investigation, approval, contract and funds.
Third, standardize the guarantee operation.
1. institutionalization of guarantee operation. Combined with the actual 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 and guarantee evaluation system. , standardize the guarantee process with the system, subdivide the guarantee links with the system, clearly investigate and evaluate the key points with the system, and improve the procedural rules with the system. Under the constraints of various systems, all staff will implement it independently to ensure smooth business process.
2. Guaranteed acceptance is open. The company set up a guarantee consultation telephone and information exchange platform to publicize the basic situation of guarantee, increase the transparency of guarantee business, realize zero-distance contact with enterprises, let enterprises prepare relevant guarantee materials in time, strive for enterprises to operate in compliance with the law, pay attention to the growth and tax contribution of enterprises, implement one-vote veto of credit, ensure strict guarantee access and prevent "illness from entering the mouth".
3. The guarantee investigation is specific. When the business personnel go deep into the enterprise field investigation, they must draw up the guarantee investigation scheme, conscientiously implement the principle of "double investigation, field inspection and true reflection", choose the investigation method combining internal and external, and grasp the core of the guarantee investigation, namely, one vote (tax bill), two quantities (logistics volume, cash flow), three products (products, people and mortgaged goods) and four tables (water meter, electric meter, payroll, etc.
4. Standardization of guarantee review. The company determines the main indicators of guarantee evaluation and formulates specific scoring standards, and implements "three-level" evaluation, 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 review meeting will comprehensively evaluate the guarantee project according to the review 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. Ensure timely handling. The company integrates the procedures and formalities for handling guarantee business, and implements simplified internal and external procedures on the premise of ensuring the operational independence of guarantee business, that is, it takes no more than ten working days from accepting the application to issuing the letter of guarantee, so as to handle the business efficiently and quickly, and ensure the docking of bank insurance procedures and the timely arrival of loan funds.
Fourth, innovate the guarantee mode.
1, change the concept of guarantee. The company has established the business philosophy of "honesty-oriented, responsibility-oriented, and enterprise-centered" and the service tenet of "not taking profit as the main purpose, focusing on cultivating guarantee subjects and economic growth points", and promoting the development of guarantee business in enterprises with full service, so that enterprises can truly feel that the company is not only undertaking guarantee responsibility, but actually exporting a kind of integrity and service.
2. Release the safeguard function. First, export guaranteed credit, promote the interaction between banks and enterprises, fill the financing gap between 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, 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, expand the coverage of guarantee, and break the restrictions of enterprise scale and real estate collateral on guarantee objects. As long as the enterprise has products, market, development prospects and certain social contributions, the company will spare no effort to provide security support. 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 promote guarantee services. In view of the "congenital deficiency" of financing for small and medium-sized enterprises, we should take advantage of the guarantee industry to actively provide financing guidance for enterprises, flexibly choose effective counter-guarantee measures such as real estate, projects under construction, expropriated land, equity, equipment, inventory and accounts receivable, help small and medium-sized enterprises overcome the "hard obstacle" of financing mortgage, design tailor-made financing schemes for enterprises, and improve the success rate of loans for small and medium-sized enterprises. The third is to establish a guarantee project reserve. The company investigates the financing situation of small and medium-sized enterprises in the city, understands the financing guarantee demand of enterprises, collects enterprise information and data, brings small and medium-sized enterprises that meet the basic conditions of guarantee, key enterprises determined by the municipal government, key projects and large taxpayers into the guarantee project reserve, gives priority to the acceptance of guarantees, and recommends them to banks in time, accurately grasps the time when enterprises spend money, and provides targeted guarantee support. The fourth is the public guarantee service commitment. The company earnestly implemented the major measures taken by the Municipal Party Committee to optimize the economic development environment and fulfilled the "six" service commitments: optimizing the guarantee operation process, simplifying the guarantee approval link, shortening the guarantee processing time, lowering the guarantee charging standard, warmly receiving the guarantee customers and ensuring the integrity of the guarantee work. By fulfilling its service commitment, the company has established a harmonious relationship between customers and enterprises and created a good financing guarantee environment.
Verb (abbreviation of verb) strengthens guarantee supervision.
1, specify the regulatory objectives. The guarantee business is risky. The company regards strengthening the supervision of the whole process of guarantee as an important means to prevent and control guarantee risks, determines risk elements, strictly controls risks, and strives to build a risk prevention and control system of "full participation, internal and external supervision, multi-party linkage and responsibility in place", which enhances employees' awareness of risk prevention and improves the company's ability to resist risks.
2. Implement regulatory responsibilities. The company has made it clear that all departments are independent responsible subjects, and implement source control and process control, and decompose the responsibility of guarantee supervision to departments and people, establish a guarantee risk early warning mechanism and regular reporting system, and implement guarantee performance appraisal.
3. Formulate regulatory measures. First, the counter-guarantee measures are put in place, insisting on real estate as the mainstay, supplemented by other counter-guarantee methods, which are easy to touch the core interests of the insured, implement the counter-guarantee mortgage registration and filing system, and handle compulsory notarization; Second, the post-warranty inspection is regular, and the company's business personnel conduct post-warranty inspection on the enterprise from time to time, at least once a month, so as to achieve "five things": business status report, financial data analysis, repayment ability evaluation, risk investigation record and risk emergency plan. Third, track the flow of funds. The company urges the enterprise to open a fund settlement account in the loan bank, sign an account supervision agreement, grasp the flow of funds in the enterprise account, ensure that the funds reach the special account one month before the enterprise expires, and accurately grasp the best repayment time of the enterprise.
4. Joint departmental sanctions. The company establishes a credit list of guarantee enterprises, regularly informs relevant functional departments and financial institutions of the bad records of enterprises, and increases the punishment for untrustworthy enterprises with the help of functional departments and social forces, and takes legal measures to enforce them when necessary.
Sixth, build a guarantee brand.
1, rectification and acceptance. According to the spirit of E-government Office document 20041Feb 15. [20xx]4 1 and E-Jing-Xin financing documentNo. [20xx]3 1, the company has carried out serious self-examination and standardized rectification according to national and provincial regulatory requirements. The company's operation has been recognized by industry authorities at all levels, and has been recognized as qualified by the assessment leading group.
2. Successfully declare the project. First, declare the national SME credit guarantee fund150,000 yuan, which has successfully passed the provincial expert review and reported to the Ministry of Industry and Information Technology and the Ministry of Finance; Second, through the performance evaluation of the company by the Provincial Department of Finance, the provincial financial 20xx annual guarantee incentive special loan of 30 million yuan was declared; The third is to enjoy the financial support policy of Dabie Mountain Experimental Zone and declare the guarantee fund of100000 yuan.
3. Highlight the benefits of the guarantee. While paying attention to the improvement of its own benefits, the company pursues the maximization of social benefits. (1) Promote the rational flow of funds between banks and enterprises with financing credit, help small and medium-sized enterprises tide over financial difficulties, inject capital "blood" into small and medium-sized enterprises, and stabilize and expand a number of powerful enterprises, such as Schindler Pharmaceutical, Longxiang Pharmaceutical and Shunde Textile; (2) Support the investment promotion work of park construction services, incubate and promote a number of dynamic enterprises to settle in industrial parks, such as Jinli in Huaqiao Industrial Park and Jin Rong Chemical in Tianzhen Industrial Park New District; (3) Increase the support for agricultural and sideline products processing enterprises, promote the docking of leading enterprises in agricultural industrialization with farmers and bases, stimulate farmers to adjust the production structure of agricultural and sideline products, and activate the rural economy, such as Fukang Oil, Wanxing Noodle Industry and Dasong Food.
4. Show corporate image. The company actively participated in various activities organized by the industry supervision department, strengthened the exchange of experience with peers, attracted relevant guarantee management departments and a number of guarantee companies in the province to study and inspect, and consolidated its position and influence in the guarantee industry in the province.
In the second half of the year, the company will focus on the guarantee target set by the Municipal Finance Bureau at the beginning of the year, actively pay attention to the tight monetary policy of the country, analyze the current situation faced by the guarantee industry, seize the opportunity of guarantee development, innovate the guarantee idea, broaden the guarantee horizon, correctly handle the relationship between preventing risks and promoting enterprise development, and further enhance the financing guarantee ability. Enrich the guarantee work force, improve the risk-taking mechanism and guarantee performance evaluation mechanism, ensure the company to achieve rapid development in steady operation, and promote the economic and social development of Wuxue.
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