Year-end Summary of the Guarantee Center in 2019
In XX, under the scientific guidance of the leaders of the Industrial Bureau, the first guarantee of Fangshan Branch, with the support of the first guarantee company, with the assistance of the relevant departments, overcome the international financial turmoil, the domestic economic downturn, and the risk of the guarantee industry is increasing. The situation, with the purpose of serving enterprises, strengthens risk control, strengthens management, and innovates, greatly alleviating the financing difficulties of SMEs in our region and maintaining its steady development.
——Completion of guarantee business This year, Fangshan Branch approved 136 guarantee projects with an approved amount of 596.75 million yuan; 135 of them were in place, with a total amount of 396.75 million yuan; the number of guarantees and guarantees in place increased by 32% and 27% respectively over last year. %. A total of 287 approved projects were approved, and the approved amount was 112.214 million yuan; 283 of them were in place, the guarantee amount was 82.214 million yuan; 121 were insured, the amount of insurance was 384.45 million yuan, 162 projects were released, and the guarantee was lifted. The amount is 437.69 million yuan. Exceeded the tasks set at the beginning of the year.
Under the guidance of the “Industrial Strong Zone” strategy, among the projects, 189 industrial projects accounted for 66.7% of the total; agricultural, commercial, and other projects accounted for 2.4%, 13.1%, and 16.9% of the total, respectively, showing the guarantee funds. Support the key points. The guarantee fund was increased from 10 million yuan at the beginning of the establishment to 50 million yuan, and the guarantee strength was enhanced.
——Mainly done the following aspects: 1. In-depth investigation and research at the grassroots level, and strive to develop the project source. At present, the project source of Fangshan Branch mainly comes from three channels: one is bank recommendation, the other is township and district direct department recommendation, and the third is enterprise. Self-recommended, mutual recommendation. Due to limited channels, some enterprises still do not understand Fangshan Branch. In order to increase publicity, in the first half of the year, under the organization of the Industrial Bureau, the business personnel were divided into four groups to conduct research in townships 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 in the district to conduct a survey on the capital needs of enterprises, and issued promotional materials for guarantee business. At present, they have provided guarantee loans for 9 enterprises in the zone. The amount is 72 million yuan.
Second, strengthen the cooperation of the bank, reduce the financing cost of enterprises Fangshan Branch actively develops good cooperative relations with Bank of Beijing and Beijing Rural Commercial Bank. The business covers more than 20 sub-branches of the above two banks, covering the entire administrative region of the district. Great convenience for local businesses. In order to solve the timeliness of corporate financing, the Bank held a “Silver Partnership” in June this year to actively conduct business exchanges with cooperative banks, introduce business processes to each other, and solve problems in actual work. Through communication, the business operation is smoother, and the financing speed of corporate financing is accelerated. The processing time is about one month from the initial stage of business development, and the fastest can be realized for three days.
In order to reduce the financing cost of enterprises, Fangshan Branch has played a good credit advantage and has many advantages in guaranteeing customer resources. After several rounds of negotiations with banks, the bank loan interest rate is controlled within 10%. In addition, the branch company actively reduced the guarantee fee and the evaluation fee, and the overall rate dropped from 1.5% to 1.15%. Coordination with the notary office reduced the notary fee, fully reflecting the full service enterprise of Fangshan Branch and promoting economic development. purpose.
Third, strengthen risk management, improve system construction guarantees are high-risk industries, in order to reduce the risk of guarantees, the following three measures are taken.
Taking the establishment of the system as the entry point, the establishment of the evaluation system is to reduce the risk of guarantees, pay close attention to personnel management and system construction, and strictly implement the "business evaluation system", "insurance management monitoring system", "overdue and compensation project management system" A series of rules and regulations such as "Project Manager Responsibility System". Risk control includes pre-guarantee review, management in guarantees and recovery after compensation, covering the entire process of business.
The project inspection adopts the a and b angle rotation system to make the inspection results more accurate and comprehensive. The project review and implementation of the "review system", this year held a total of 19 judging sessions, 125 projects, 122 projects passed the review, multiple projects to adjust the guarantee amount. The “Review System” makes the project review open and transparent, and improves the objectivity and scientificity of project decision-making.
Actively explore scientific and effective counter-guarantee programs to control the risk of guarantees. The anti-guarantee measures were formulated to control the core assets of the enterprise and the core personnel assets. The guarantee measures increased the pledge of the tenancy rights, the pledge of the movable property, the pledge of the management rights, and the supervision of the certificates, etc. from the initial indefinite joint liability and property mortgage at the initial stage of the business. The guarantee measures, the increase in counter-guarantee varieties, increase the cost of default, and strengthen the anti-guarantee control ability.
Strengthening the monitoring of insurance and implementing on-site inspections for post-loan monitoring of insured projects is one of the effective ways to reduce risks. Post-loan monitoring mainly adopts the following methods: 1) Communicate with the bank to understand the abnormal changes in the company's capital flow. 2) Understand the current situation of the company through various channels in the society. 3) Regularly collect corporate financial statements. 4) Implement the on-site inspection of the insurance project, check the financial accounts, production status, sales situation, and whether the anti-guarantee has changed. 5) The company that is about to expire due to the loan will be notified one month in advance to urge the enterprise to repay the loan on schedule.
Fourth, the innovative service concept, deepen the service connotation to solve the problem of depositing funds before the loan expires, organize the establishment of non-profit, membership-based mutual funds in the insurance company, and provide small amount for enterprises that are temporarily expiring and have temporary difficulties in repayment. Short-term financial support. After active preparations last year, this year's official operation of this work, as of the end of December, 56 enterprises were organized, raising funds of 5.6 million yuan, 14 companies use this fund to solve the urgent needs of enterprises.
At the beginning of the year, the Financial Services Department was established. The department has the following three functions: First, it analyzes the financial status of the applicant company and proposes review opinions. The second is to provide financial guidance for companies with better business prospects and weaker financial management. Since the establishment of the Finance Department, it has provided financial guidance to 12 companies. Through solid work, it has improved the financial management level and cultivated talents. The third is the agency insurance business. In the business process, some companies are reluctant to spend money on insurance, work patiently and meticulously, and coordinate insurance companies to reduce the rate. Currently, 20 companies have been insured for insurance.
V. Preparing for the rain, coping with risks During the Olympic Games, some enterprises stopped production and restricted vehicles, resulting in a shortage of funds in the insurance companies. In response to this situation, Fangshan Branch adopted 1. Mutual assistance to solve temporary difficulties for enterprises, mobilized enterprises to repay in advance, and simplified the procedures for guaranteeing the guarantee for enterprises with better foundations. Due to proper measures, 16 guarantee liabilities were lifted during the Olympic Games, the guarantee amount was 64.30 million yuan, and 14 of them were secured loans, which ensured the normal operation of the insurance companies and maintained social stability during the Olympics. After the Olympics, the impact of the world economic crisis triggered by the US subprime mortgage crisis on SMEs in our region began to appear. Some of the companies in the insurance industry experienced fewer orders, lower profits, and increased guarantee risks. In response to the current form, Fangshan Branch conducted a temporary spot check on the insurance company in November, analyzed the current risks and research countermeasures, and organized a seminar on cooperation with Doudian Town and the cooperative bank in silver, enterprises and cooperation. At the meeting, "We analyzed the current severe economic situation, reminded companies to invest prudently, preserve their strength, strengthen the collection of receivables, and maintain reasonable liquidity." The seminar played a positive role.
6. Supporting superior enterprises to become bigger and stronger for enterprises that are in line with industry-oriented support. Such as: Beijing Aoteshuer Health Products Development Co., Ltd. is a key enterprise in our district, producing and selling "Bishengyuan" series of health care products. Fangshan Branch has provided two loan guarantee guarantees totaling 42 million yuan, enabling enterprises to purchase advanced equipment, improve production capacity and improve business performance. In XX, the sales income was 240 million yuan, and the tax paid was 24 million yuan; the sales income in XX reached 380 million yuan, and the tax paid was 50 million yuan. Compared with XX, sales income and taxes increased by 58% respectively. And 108%, become a large taxpayer in our district. Beijing Yanshan Switch Factory is a key enterprise in the production of electrical equipment in our district. In order to support the development of the company, the branch has provided a total of 25 million yuan guarantee loans. The company was smoothly relocated from the original old factory area to Fangshan Industrial Park, and the new factory building was 13,700 square meters, which achieved good economic benefits. In XX, the company's sales income was 81 million yuan, and the tax paid was 3.2 million yuan. In XX year, the company's sales income was 110 million yuan and the tax was 5.1 million yuan. Compared with XX, the sales revenue and taxes paid increased respectively. 77% and 68%. Beijing Jinlian Yuyu Brake Pump Co., Ltd. is a labor-intensive processing enterprise with fierce competition in the industry market. In XX, through bidding, the company entered the BYD auto supporting system. Due to the lack of working capital, the company faced the dilemma of losing orders. On the occasion of the dilemma, the branch provided a guaranteed loan of 2 million yuan to enable the company to successfully fulfill the supply contract and obtain BYD f4 single product exclusive rights to supply, after XX years of investigation, the branch provided a guarantee loan of 5 million yuan for the enterprise, the company's sales revenue reached 52 million yuan, an increase of 38% over XX, and the number of employees reached 280, of which new arrangements There are 34 disabled people in employment, and the social benefits are obvious.
7. The small-sum guarantee work supports the laid-off and unemployed people to start their own businesses, and actively provides small-sum secured loans for individual industrial and commercial households. In XX, 9 secured loans were granted, amounting to 450,000 yuan; and 14 secured loans were secured, amounting to 700,000 yuan.
Eight, training team, training team spirit For a year, Fangshan Branch in accordance with the "internal strength, image of the external tree" requirements, through the "learning, practice, summary, promotion" four links, increase the training of personnel business, through The combination of centralized training and self-study has further improved the staff's business level. The branch has formed a good trend of actively learning business knowledge and provides guarantee for expanding business.
——There are problems 1. The difficulty of project examination is that most SMEs are extensively managed. There are frequent replacements of financial personnel, no full-time accounting, incomplete financial accounts, unrecognized assets, and chaotic accounting. Some enterprises also have economic secrets. The reason is not willing to provide the real situation, the company wants to lend and does not want to show the bottom of the family; in addition, some companies provide loans and provide false materials. The above reasons make the project more difficult to investigate and increase the risk of guarantee.
II. Difficulties in the implementation of counter-guarantee In the course of business operations, it was found that the implementation of the counter-guarantee link became a difficult point in handling the guarantee business: 1. The counter-guarantee measures such as the pledge of the lease rights need to be issued with the signature of the village representative, which may lead to the failure to implement or implement the counter-guarantee measures. 2. Various mortgage procedures must be repeated every year. The procedures are cumbersome and the processing time is long. This is a strong response from the company.
Third, the legal link needs to be improved. The guarantee business involves a large number of legal matters. The legal knowledge involves many laws such as the property law, the guarantee law, the civil law, the land management law and the rural land contract law. The legal relationship is complicated. Due to the lack of legal professionals, lawyers only rely on lawyers. And the existing legal knowledge, in the long run, it is difficult to guarantee the needs of the business.
——The concept of work next year With the outbreak of the world economic crisis, the domestic economy has declined, and SMEs are facing an unfavorable situation of a serious shortage of liquidity, and the risk of the guarantee industry has increased. In view of the above situation, we should actively innovate new service initiatives, explore new ideas and new approaches to risk management, support enterprise development while reducing guarantee risks, and ensure the security of guarantee funds. In XX, Fangshan Branch will guide the guarantee work with the 26-word policy of actively supporting, steadily expanding, using funds, using skillfully, reducing risks and promoting economic development.
1. Actively and steadily promote the development of guarantee business, continue to develop project sources, and focus on supporting high-tech, energy-saving and environmental protection, recyclable, and socially beneficial projects in line with national industrial policies. In addition, the development zone enterprises have strong strength and land mortgage. The small risk of guarantee should be the focus of support; follow-up and key support for the key projects of the district government and the industrial bureau.
Second, strengthen supervision and control, guarantee the security of guarantee funds. With the continuous development of business, a set of systems that conform to Fangshan's actual, institutionalized, standardized and standardized management system has been gradually formed. In the future business development, strict monthly implementation of loans should be implemented. The financial statements of the company regularly listen to the monitoring measures of the financial personnel of the enterprise and visit the company at any time, and increase the intensity of monitoring, so as to achieve "eyes, legs, diligence, and diligence", more visits by enterprises, and more information on the situation of enterprises Look at the company's information, check it in place, summarize it afterwards, and fill in the on-site inspection registration form. In time, the lending bank will check the insured project at any time to sort out the existing problems. If there are dangerous signs, it is necessary to take corresponding measures in advance. By strengthening the above measures, we strive to achieve no or little project compensation, and achieve safe, scientific and efficient operation of the guarantee funds.
Third, promote the construction of township guarantee system To strengthen the risk control link of township government, the XX year plan adopts the township government recommended project approach. The township administrative department shall conduct preliminary examination, recommendation and guarantee for the application for the guarantee of the local enterprise. After the loan is in place, assist the branch to monitor the insured enterprise, mobilize the township and town to participate in the guarantee project and control the post-loan, so that the township becomes an important part of risk prevention and control. .
Fourth, deepen the service, reduce the risk and continue to play the role of the mutual aid society, the financial service department, and the economic circle of the enterprise, and provide tangible services for the enterprise, so that the company regards the Fangshan branch as a sincere friend and consciously establishes a sense of integrity. Reducing risk through service.
5. Cultivate quality customers and encourage enterprises to be honest and trustworthy
In XX, we must try to select a company with high reputation, good business prospects and standardized management from the insurance companies, and identify it as a quality customer of the branch. For the guarantee application of high-quality customers, simplify the guarantee procedures to encourage enterprises to be honest and trustworthy, and strive to operate, to promote the integrity of society.
Sixth, supplement professionals, strengthen team building With the continuous increase of business volume and internal management, put forward higher requirements for team building, and urgently need talent resources with corresponding professional knowledge and professional qualifications as support. Therefore, the company plans to increase the number of commercial accountants, complement the project review and provide financial guidance services for enterprises; increase the number of professional lawyers to supplement the weakness of the legal link.
In XX, the once-in-a-century international economic crisis is full of opportunities and challenges for the guarantee industry. We will undertake the arduous tasks and huge risks, but we firmly believe that under the leadership of the Industrial Bureau, with the support of the first guarantee company, we will A high degree of responsibility, overcome difficulties, resolve risks, and advance the guarantee work to a new level.
——Completion of guarantee business This year, Fangshan Branch approved 136 guarantee projects with an approved amount of 596.75 million yuan; 135 of them were in place, with a total amount of 396.75 million yuan; the number of guarantees and guarantees in place increased by 32% and 27% respectively over last year. %. A total of 287 approved projects were approved, and the approved amount was 112.214 million yuan; 283 of them were in place, the guarantee amount was 82.214 million yuan; 121 were insured, the amount of insurance was 384.45 million yuan, 162 projects were released, and the guarantee was lifted. The amount is 437.69 million yuan. Exceeded the tasks set at the beginning of the year.
Under the guidance of the “Industrial Strong Zone” strategy, among the projects, 189 industrial projects accounted for 66.7% of the total; agricultural, commercial, and other projects accounted for 2.4%, 13.1%, and 16.9% of the total, respectively, showing the guarantee funds. Support the key points. The guarantee fund was increased from 10 million yuan at the beginning of the establishment to 50 million yuan, and the guarantee strength was enhanced.
——Mainly done the following aspects: 1. In-depth investigation and research at the grassroots level, and strive to develop the project source. At present, the project source of Fangshan Branch mainly comes from three channels: one is bank recommendation, the other is township and district direct department recommendation, and the third is enterprise. Self-recommended, mutual recommendation. Due to limited channels, some enterprises still do not understand Fangshan Branch. In order to increase publicity, in the first half of the year, under the organization of the Industrial Bureau, the business personnel were divided into four groups to conduct research in townships 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 in the district to conduct a survey on the capital needs of enterprises, and issued promotional materials for guarantee business. At present, they have provided guarantee loans for 9 enterprises in the zone. The amount is 72 million yuan.
Second, strengthen the cooperation of the bank, reduce the financing cost of enterprises Fangshan Branch actively develops good cooperative relations with Bank of Beijing and Beijing Rural Commercial Bank. The business covers more than 20 sub-branches of the above two banks, covering the entire administrative region of the district. Great convenience for local businesses. In order to solve the timeliness of corporate financing, the Bank held a “Silver Partnership” in June this year to actively conduct business exchanges with cooperative banks, introduce business processes to each other, and solve problems in actual work. Through communication, the business operation is smoother, and the financing speed of corporate financing is accelerated. The processing time is about one month from the initial stage of business development, and the fastest can be realized for three days.
In order to reduce the financing cost of enterprises, Fangshan Branch has played a good credit advantage and has many advantages in guaranteeing customer resources. After several rounds of negotiations with banks, the bank loan interest rate is controlled within 10%. In addition, the branch company actively reduced the guarantee fee and the evaluation fee, and the overall rate dropped from 1.5% to 1.15%. Coordination with the notary office reduced the notary fee, fully reflecting the full service enterprise of Fangshan Branch and promoting economic development. purpose.
Third, strengthen risk management, improve system construction guarantees are high-risk industries, in order to reduce the risk of guarantees, the following three measures are taken.
Taking the establishment of the system as the entry point, the establishment of the evaluation system is to reduce the risk of guarantees, pay close attention to personnel management and system construction, and strictly implement the "business evaluation system", "insurance management monitoring system", "overdue and compensation project management system" A series of rules and regulations such as "Project Manager Responsibility System". Risk control includes pre-guarantee review, management in guarantees and recovery after compensation, covering the entire process of business.
The project inspection adopts the a and b angle rotation system to make the inspection results more accurate and comprehensive. The project review and implementation of the "review system", this year held a total of 19 judging sessions, 125 projects, 122 projects passed the review, multiple projects to adjust the guarantee amount. The “Review System” makes the project review open and transparent, and improves the objectivity and scientificity of project decision-making.
Actively explore scientific and effective counter-guarantee programs to control the risk of guarantees. The anti-guarantee measures were formulated to control the core assets of the enterprise and the core personnel assets. The guarantee measures increased the pledge of the tenancy rights, the pledge of the movable property, the pledge of the management rights, and the supervision of the certificates, etc. from the initial indefinite joint liability and property mortgage at the initial stage of the business. The guarantee measures, the increase in counter-guarantee varieties, increase the cost of default, and strengthen the anti-guarantee control ability.
Strengthening the monitoring of insurance and implementing on-site inspections for post-loan monitoring of insured projects is one of the effective ways to reduce risks. Post-loan monitoring mainly adopts the following methods: 1) Communicate with the bank to understand the abnormal changes in the company's capital flow. 2) Understand the current situation of the company through various channels in the society. 3) Regularly collect corporate financial statements. 4) Implement the on-site inspection of the insurance project, check the financial accounts, production status, sales situation, and whether the anti-guarantee has changed. 5) The company that is about to expire due to the loan will be notified one month in advance to urge the enterprise to repay the loan on schedule.
Fourth, the innovative service concept, deepen the service connotation to solve the problem of depositing funds before the loan expires, organize the establishment of non-profit, membership-based mutual funds in the insurance company, and provide small amount for enterprises that are temporarily expiring and have temporary difficulties in repayment. Short-term financial support. After active preparations last year, this year's official operation of this work, as of the end of December, 56 enterprises were organized, raising funds of 5.6 million yuan, 14 companies use this fund to solve the urgent needs of enterprises.
At the beginning of the year, the Financial Services Department was established. The department has the following three functions: First, it analyzes the financial status of the applicant company and proposes review opinions. The second is to provide financial guidance for companies with better business prospects and weaker financial management. Since the establishment of the Finance Department, it has provided financial guidance to 12 companies. Through solid work, it has improved the financial management level and cultivated talents. The third is the agency insurance business. In the business process, some companies are reluctant to spend money on insurance, work patiently and meticulously, and coordinate insurance companies to reduce the rate. Currently, 20 companies have been insured for insurance.
V. Preparing for the rain, coping with risks During the Olympic Games, some enterprises stopped production and restricted vehicles, resulting in a shortage of funds in the insurance companies. In response to this situation, Fangshan Branch adopted 1. Mutual assistance to solve temporary difficulties for enterprises, mobilized enterprises to repay in advance, and simplified the procedures for guaranteeing the guarantee for enterprises with better foundations. Due to proper measures, 16 guarantee liabilities were lifted during the Olympic Games, the guarantee amount was 64.30 million yuan, and 14 of them were secured loans, which ensured the normal operation of the insurance companies and maintained social stability during the Olympics. After the Olympics, the impact of the world economic crisis triggered by the US subprime mortgage crisis on SMEs in our region began to appear. Some of the companies in the insurance industry experienced fewer orders, lower profits, and increased guarantee risks. In response to the current form, Fangshan Branch conducted a temporary spot check on the insurance company in November, analyzed the current risks and research countermeasures, and organized a seminar on cooperation with Doudian Town and the cooperative bank in silver, enterprises and cooperation. At the meeting, "We analyzed the current severe economic situation, reminded companies to invest prudently, preserve their strength, strengthen the collection of receivables, and maintain reasonable liquidity." The seminar played a positive role.
6. Supporting superior enterprises to become bigger and stronger for enterprises that are in line with industry-oriented support. Such as: Beijing Aoteshuer Health Products Development Co., Ltd. is a key enterprise in our district, producing and selling "Bishengyuan" series of health care products. Fangshan Branch has provided two loan guarantee guarantees totaling 42 million yuan, enabling enterprises to purchase advanced equipment, improve production capacity and improve business performance. In XX, the sales income was 240 million yuan, and the tax paid was 24 million yuan; the sales income in XX reached 380 million yuan, and the tax paid was 50 million yuan. Compared with XX, sales income and taxes increased by 58% respectively. And 108%, become a large taxpayer in our district. Beijing Yanshan Switch Factory is a key enterprise in the production of electrical equipment in our district. In order to support the development of the company, the branch has provided a total of 25 million yuan guarantee loans. The company was smoothly relocated from the original old factory area to Fangshan Industrial Park, and the new factory building was 13,700 square meters, which achieved good economic benefits. In XX, the company's sales income was 81 million yuan, and the tax paid was 3.2 million yuan. In XX year, the company's sales income was 110 million yuan and the tax was 5.1 million yuan. Compared with XX, the sales revenue and taxes paid increased respectively. 77% and 68%. Beijing Jinlian Yuyu Brake Pump Co., Ltd. is a labor-intensive processing enterprise with fierce competition in the industry market. In XX, through bidding, the company entered the BYD auto supporting system. Due to the lack of working capital, the company faced the dilemma of losing orders. On the occasion of the dilemma, the branch provided a guaranteed loan of 2 million yuan to enable the company to successfully fulfill the supply contract and obtain BYD f4 single product exclusive rights to supply, after XX years of investigation, the branch provided a guarantee loan of 5 million yuan for the enterprise, the company's sales revenue reached 52 million yuan, an increase of 38% over XX, and the number of employees reached 280, of which new arrangements There are 34 disabled people in employment, and the social benefits are obvious.
7. The small-sum guarantee work supports the laid-off and unemployed people to start their own businesses, and actively provides small-sum secured loans for individual industrial and commercial households. In XX, 9 secured loans were granted, amounting to 450,000 yuan; and 14 secured loans were secured, amounting to 700,000 yuan.
Eight, training team, training team spirit For a year, Fangshan Branch in accordance with the "internal strength, image of the external tree" requirements, through the "learning, practice, summary, promotion" four links, increase the training of personnel business, through The combination of centralized training and self-study has further improved the staff's business level. The branch has formed a good trend of actively learning business knowledge and provides guarantee for expanding business.
——There are problems 1. The difficulty of project examination is that most SMEs are extensively managed. There are frequent replacements of financial personnel, no full-time accounting, incomplete financial accounts, unrecognized assets, and chaotic accounting. Some enterprises also have economic secrets. The reason is not willing to provide the real situation, the company wants to lend and does not want to show the bottom of the family; in addition, some companies provide loans and provide false materials. The above reasons make the project more difficult to investigate and increase the risk of guarantee.
II. Difficulties in the implementation of counter-guarantee In the course of business operations, it was found that the implementation of the counter-guarantee link became a difficult point in handling the guarantee business: 1. The counter-guarantee measures such as the pledge of the lease rights need to be issued with the signature of the village representative, which may lead to the failure to implement or implement the counter-guarantee measures. 2. Various mortgage procedures must be repeated every year. The procedures are cumbersome and the processing time is long. This is a strong response from the company.
Third, the legal link needs to be improved. The guarantee business involves a large number of legal matters. The legal knowledge involves many laws such as the property law, the guarantee law, the civil law, the land management law and the rural land contract law. The legal relationship is complicated. Due to the lack of legal professionals, lawyers only rely on lawyers. And the existing legal knowledge, in the long run, it is difficult to guarantee the needs of the business.
——The concept of work next year With the outbreak of the world economic crisis, the domestic economy has declined, and SMEs are facing an unfavorable situation of a serious shortage of liquidity, and the risk of the guarantee industry has increased. In view of the above situation, we should actively innovate new service initiatives, explore new ideas and new approaches to risk management, support enterprise development while reducing guarantee risks, and ensure the security of guarantee funds. In XX, Fangshan Branch will guide the guarantee work with the 26-word policy of actively supporting, steadily expanding, using funds, using skillfully, reducing risks and promoting economic development.
1. Actively and steadily promote the development of guarantee business, continue to develop project sources, and focus on supporting high-tech, energy-saving and environmental protection, recyclable, and socially beneficial projects in line with national industrial policies. In addition, the development zone enterprises have strong strength and land mortgage. The small risk of guarantee should be the focus of support; follow-up and key support for the key projects of the district government and the industrial bureau.
Second, strengthen supervision and control, guarantee the security of guarantee funds. With the continuous development of business, a set of systems that conform to Fangshan's actual, institutionalized, standardized and standardized management system has been gradually formed. In the future business development, strict monthly implementation of loans should be implemented. The financial statements of the company regularly listen to the monitoring measures of the financial personnel of the enterprise and visit the company at any time, and increase the intensity of monitoring, so as to achieve "eyes, legs, diligence, and diligence", more visits by enterprises, and more information on the situation of enterprises Look at the company's information, check it in place, summarize it afterwards, and fill in the on-site inspection registration form. In time, the lending bank will check the insured project at any time to sort out the existing problems. If there are dangerous signs, it is necessary to take corresponding measures in advance. By strengthening the above measures, we strive to achieve no or little project compensation, and achieve safe, scientific and efficient operation of the guarantee funds.
Third, promote the construction of township guarantee system To strengthen the risk control link of township government, the XX year plan adopts the township government recommended project approach. The township administrative department shall conduct preliminary examination, recommendation and guarantee for the application for the guarantee of the local enterprise. After the loan is in place, assist the branch to monitor the insured enterprise, mobilize the township and town to participate in the guarantee project and control the post-loan, so that the township becomes an important part of risk prevention and control. .
Fourth, deepen the service, reduce the risk and continue to play the role of the mutual aid society, the financial service department, and the economic circle of the enterprise, and provide tangible services for the enterprise, so that the company regards the Fangshan branch as a sincere friend and consciously establishes a sense of integrity. Reducing risk through service.
5. Cultivate quality customers and encourage enterprises to be honest and trustworthy
In XX, we must try to select a company with high reputation, good business prospects and standardized management from the insurance companies, and identify it as a quality customer of the branch. For the guarantee application of high-quality customers, simplify the guarantee procedures to encourage enterprises to be honest and trustworthy, and strive to operate, to promote the integrity of society.
Sixth, supplement professionals, strengthen team building With the continuous increase of business volume and internal management, put forward higher requirements for team building, and urgently need talent resources with corresponding professional knowledge and professional qualifications as support. Therefore, the company plans to increase the number of commercial accountants, complement the project review and provide financial guidance services for enterprises; increase the number of professional lawyers to supplement the weakness of the legal link.
In XX, the once-in-a-century international economic crisis is full of opportunities and challenges for the guarantee industry. We will undertake the arduous tasks and huge risks, but we firmly believe that under the leadership of the Industrial Bureau, with the support of the first guarantee company, we will A high degree of responsibility, overcome difficulties, resolve risks, and advance the guarantee work to a new level.
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