company profile
Shandong Huatong Investment Guarantee Company was established in March 2009 with a registered capital of 654.38 billion yuan, and obtained the business license of financing guarantee institution approved by Shandong Provincial Finance Office. It is a state-owned capital guarantee company of Tai 'an High-tech Zone Government and Taishan Liquor Group, a professional company mainly engaged in loan business guarantee, and "China Investment Guarantee Industry Credit Enterprise".
The business scope of the company includes loan guarantee, bill acceptance guarantee, trade financing guarantee, project financing guarantee and letter of credit guarantee. Performance guarantee services such as litigation preservation guarantee, bid guarantee, advance payment guarantee, project performance guarantee and final payment guarantee, as well as intermediary services such as financing consultation and financial consultant related to guarantee business. According to regulatory requirements, invest with its own funds, etc. Since its establishment, the company has always adhered to the business philosophy of "undertaking mission and serving enterprises" and actively provided guarantee services for high-tech enterprises and small and medium-sized enterprises in Tai 'an. Cooperating with many financial institutions in Tai 'an, such as Agricultural Bank, China Construction Bank, Bank of Communications, Laishang Bank and Shanghai Rural Commercial Bank, the amount of credit guarantee is 800 million yuan.
The corporate governance structure of the company is reasonable. There are seven business departments: business department, risk control department, legal affairs department, finance department and comprehensive department.
The company's business operation process is perfect. The company studied and formulated eight steps to handle the guarantee business: namely, the guarantee enterprise applies for a loan from the bank, and the bank issues a letter of intent for the loan; The loan enterprise applies for guarantee; The guarantee company conducts investigation, examination and approval, and signs a counter-guarantee contract; Collect deposit and guarantee service fees; Sign the Guarantee Contract for formal underwriting; Post-guarantee management until the guaranteed enterprise returns the loan and ends the guarantee. At the same time, the company carried out business investigation "A and B corners", and all business departments formed standardized investigation reports. The company has designed and improved application forms, approval forms and contract texts, including standardized business operation texts and processes such as entrusted guarantee contracts and counter-guarantee contracts. The company's various management systems are sound.
The company has a good risk control mechanism. In order to standardize decision-making behavior and effectively prevent and control risks, the company adheres to the basic principles of "prudent operation" and "prudent operation", formulates Unsecured Business 10, establishes a secured project examination and approval committee, and formulates Rules of Procedure to actively and prudently examine and approve loan secured projects.