Summary of work of the guarantee company

Summary of work of the guarantee company

Since the establishment of our company on December 9, 2019, as the fourth private capital-type guarantee company in the city has joined the “SMEs SMEs Guarantee Association”, it has gone through three years.

In the past three years, Songyin guarantee company's guarantee business and team have continued to grow and develop, and the level of cooperation with banking financial institutions has deepened. We have made gratifying achievements in promoting the development of the guarantee industry and promoting the cooperation between banks and banks. As of the second quarter of 2019, I sponsored a total of 70 monetary guarantees for financing companies, with a guarantee amount of 300 million yuan.

The total registered capital of the company is 990 million yuan, the capital increase is 51 million yuan, and the follow-up reserve fund is 27 million yuan. Helping infrastructure construction guarantee funds of 24 million yuan. The balance of the loan is 85 million yuan.

While the company is developing, it does not forget to give back to the society and pay for the assistance of 138,000 yuan.

Songyin guarantees attach great importance to the capital operation of cooperative financial institutions, and reflects each other's benefits, so as to become an important part of private capital to serve small and medium-sized enterprises. It is playing an increasingly prominent role and role in efforts to solve the problem of monetary and mortgage guarantee bottlenecks and ease the financing difficulties of SMEs. In particular, for the small and medium-sized enterprises in the steel trade industry, we have reviewed and recognized the soundness of Jiangsu, Fujian, and Susong investment enterprises, and dare to fight for the business philosophy. Relying on sub-regional chambers of commerce, let the blood, the fate, the business relationship and emotions, the cultural integration, the concept of similar operators. Under the premise of controlling risks, the bundle of interests and the superposition of strengths, the multiplier effect of the capital credit increase, and the strategic alliance of strong alliances have gradually become the bridge and link between the connected banks and SMEs. On the basis of gratifying achievements and consolidation:

This year, under the leadership of the Municipal Economic Commission, under the supervision of the Municipal SMEs Guarantee Association, we will move towards the development of our own industry, self-discipline and orderly competition. Really and more effectively improve the service concept and awareness for the steel trade industry, small and medium enterprises.

First, broaden the level and space for the cooperation of bancassurance, continue to build a sustainable and trustworthy and relaxed platform for the cooperation between banks and enterprises, and promote the "three parties" to create a win-win situation.

In the near future, Songyin Guarantee Company is still slightly weaker than the surrounding cities of the Yangtze River Delta in the scale and space of cooperation between the banks and the scale of cooperation. In 2019, under the supervision of the relevant economic comprehensive departments such as the Municipal Economic and Trade Commission, the first is to actively innovate, accumulate capital, and strengthen the investment and construction of its own hardware and fixed capital through capital expansion and shareholding, and preliminary plans are in the city. Zhufang Road, Runzhou District, Changjiang West Road, the transfer of commercial land 35 acres, the establishment of Songyin secured lease Daxia, steel trade production materials trading building, the establishment of a permanent comprehensive service platform, and strive to reduce the financing costs, promote steel trade logistics and finance The department expands the scope of cooperation and scale of cooperation.

Second, actively participate in the selection of guarantee institutions. Taking the lead guarantee organization of the city's small and medium-sized enterprise organizations as the opportunity to participate in the quota evaluation work carried out by the province, the company's work efficiency, functions and functions will be enhanced by standardizing and improving the results of the grades into the national unified enterprise information base database. . The third is to explore the establishment of a system of regular meetings between banking and banking companies. And invite experts and scholars to explore the limited optimal mechanism for controlling risks in the current domestic financial situation. Analyze the status of bank insurance, bank-enterprise cooperation, outstanding, hotspots, and focus issues in research cooperation, and study related work initiatives for continuous improvement and development.

Second, further strengthen the cooperation between guarantee companies and financial institutions.

At present, the impact of the international financial crisis on the relevant real economy is quite deep. In particular, it has a certain impact on the development of SMEs in the city. The collateralized assets have shrunk and the financial situation has weakened. In this difficult period, it is very urgent, necessary, and important to actively communicate with financial banking institutions and reach a consensus. Since only through the "silver-guarantee-enterprise" tripartite cooperation, we can overcome the difficulties. On the one hand, the guarantee company needs to conscientiously implement the spirit of the "Guiding Opinions on Further Promoting the Cooperation between Financial Institutions and the Number of Guarantee Organizations" issued by the Nanjing Branch of the People's Bank of China. Through the screening of the guarantee companies, the selection of strengths is strong, and the management and management standards are The finance is better than the sound, honest and trustworthy steel trade and small and medium-sized enterprises as the cooperation object. Promote cooperation, institutionalization, standardization, and long-term. Through the cooperation over the years, the financial banks were asked to enlarge the proportion of lending exposure.

On the other hand, we guarantee that the company should establish a standardized and stable development awareness, and take SME financing guarantee as its main business, further strengthen cooperation with financial institutions, and analyze the potential risks and weak links discovered by competent authorities and rating agencies. . Improve risk identification and management standards, and achieve self-development in the process of supporting enterprise development.

Third, continue to improve the financing of SMEs and expand the channels of financial services.

While consolidating the services of customers and SMEs in Songchuan Steel Trade, it is necessary to establish and improve institutional settings and related systems internally, improve and optimize the guarantee credit process, and cooperate with the innovation of financial products in the financial sector and improve service efficiency. And in-depth discussion and introduction of Temasek SME business model.

In the current difficult economic situation, the guarantee company must establish a sense of overall situation and responsibility. We must read, read, and grasp the various credit policies and measures that have been introduced to support the development of small and medium-sized enterprises. Actively explore the establishment and improvement of the quantitative assessment system for financing small and medium-sized enterprises. Credit financing products and service methods that are characterized by good fundamentals and quotas, competitive, marketable, and orderly, but temporarily appear to be operational or financially difficult, use credit, certificate, bill, factoring, etc. Guarantee financing means, further expand the financing channels of SMEs, and do a good job in financial information consultation and customer wealth management services for SMEs. It is necessary to strengthen the financial statistics and information reporting of small and medium-sized enterprises, explore the establishment of a dynamic monitoring system for financing information suitable for the characteristics of small and medium-sized enterprises, and timely grasp the financial service information of small and medium-sized enterprises.  

Summary of work of the guarantee company

XX is the first year of our company's business. In the past year, we have been operating with the concept of “quality service as the center, risk prevention as the foundation, improvement of efficiency, support for small and medium-sized enterprises, and efforts to build a quota for Zhejiang”. All the staff worked together and worked hard. A total of 264 guarantee business was handled, the guarantee amount was 129.4 million yuan, and the accumulated guarantee amount was 153.38 million yuan. The social benefits and economic benefits were double harvested. I. Main work in XX 1. Strengthen internal management and improve organizational structure.

As a newly formed company, everything has to start from the beginning, and strengthening internal management and establishing a system is the basis for the company's standardized operation and steady development. Therefore, we must start with the basic work. First, the business operation department was set up separately, equipped with professional investigators; secondly, various business data were formulated with reference to the experience of the brother guarantee institutions; third, the business operation regulations, risk prevention measures and duties of each position were formulated; Hardware facilities such as computers, printers, and fax machines. Clear network operators to ensure smooth information and timely report on business operations.

2. Strengthen learning and strive to improve business standards.

Guarantees are high-risk industries. In addition to having a higher risk awareness, practitioners must also have a wealth of business knowledge and practical business operations capabilities. Therefore, we attach great importance to our own learning. On the one hand, we go to school from books, combine self-study and concentration studies, and earnestly study financial and financial related policies. Learn and understand the policies of the relevant ministries and commissions to keep abreast of new trends in the economic field. Actively participate in business training and improve business skills. On the other hand, I learned from my brother's guarantee company and learned their work experience for me.

3, based on honesty, and strive to serve the enterprise.

We take "passionate, timely, efficient, and win-win" as the company's service concept. In actual work, we can rush to the enterprise and think about what the company thinks. As long as the company finds us and needs our guarantee, we always investigate in time. Respond as soon as possible and take the initiative to communicate with the bank to help companies solve financial difficulties.

4. Strengthen pre-war investigation and verification, and strictly control risks.

A guarantee is a high-risk industry that, if left unchecked, can cause losses. Therefore, we treat all guarantees strictly, we strictly control the risks, do not engage in human security, carefully do a good job in the investigation of the external pre-guarantee information of the customers, and carefully evaluate the production and operation, financial status and repayment ability of the enterprise to avoid large amounts of money. The occurrence of compensation claims.

Second, some experience

1. Prevent risks and stress a real word. Preventing and controlling risks is the foundation of the guarantee business. It is the premise for the service of SMEs and the development of the company itself. The guarantee industry is a high-risk industry. Only by effectively preventing and controlling risks can we serve SMEs better. To effectively prevent risks, we must emphasize a real word. Only by doing a good job and doing a good job can we effectively prevent risks.

2. Develop business and stress a stable word. As a guarantee company, we must shoulder the heavy responsibility of serving small and medium-sized enterprises, and we must vigorously develop our business. However, due to the special nature of the guarantee company itself, it cannot be rushed for success. It must be a stable word. Only when it is managed steadily can it be sustainable.

3, service companies, stressing a sincerity. The guarantee enterprise is not only a high-risk industry but also a service industry. Since it is a service industry, it is necessary to emphasize a sincerity and sincerely serve the small and medium-sized enterprises. It is necessary to urgently think about the enterprises and try to solve problems for them. Only in this way can we close the enterprise and maintain the relationship and achieve a win-win goal.

Third, a few suggestions

1. To strengthen the training for the guarantee enterprises, especially how to grasp the business risks of the insured enterprises, and to conduct more field visits.

2. The anti-guarantee assets without the warrants of the enterprise are difficult to register with the relevant government departments. Once the risks arise, the interests of the guarantee companies are difficult to obtain legal protection. How to solve this problem needs to be explored and countermeasures are needed.

Fourth, XX year work ideas

1. Strengthen communication with cooperative banks, strive to increase the original guarantee magnification, and actively contact other banks to increase new cooperative banks.

2. Actively explore and innovate business, increase the types of guarantees, better serve small and medium-sized enterprises, and make due contributions to alleviate the financing of small and medium-sized enterprises.

3. Strengthen internal management, establish and improve the assessment system, improve the subjective initiative of employees, and improve work efficiency and service standards.

Summary of work of the guarantee company

XX is the first year of our company's business. In the past year, we have been operating with the concept of “quality service as the center, risk prevention as the foundation, improvement of efficiency, support for small and medium-sized enterprises, and efforts to build a quota for Zhejiang”. All the staff worked together and worked hard. A total of 264 guarantee business was handled, the guarantee amount was 129.4 million yuan, and the accumulated guarantee amount was 153.38 million yuan. The social benefits and economic benefits were double harvested. I. Main work in XX 1. Strengthen internal management and improve organizational structure.

As a newly formed company, everything has to start from the beginning, and strengthening internal management and establishing a system is the basis for the company's standardized operation and steady development. Therefore, we must start with the basic work. First, the business operation department was set up separately, equipped with professional investigators; secondly, various business data were formulated with reference to the experience of the brother guarantee institutions; third, the business operation regulations, risk prevention measures and duties of each position were formulated; Hardware facilities such as computers, printers, and fax machines. Clear network operators to ensure smooth information and timely report on business operations.

2. Strengthen learning and strive to improve business standards.

Guarantees are high-risk industries. In addition to having a higher risk awareness, practitioners must also have a wealth of business knowledge and practical business operations capabilities. Therefore, we attach great importance to our own learning. On the one hand, we go to school from books, combine self-study and concentration studies, and earnestly study financial and financial related policies. Learn and understand the policies of the relevant ministries and commissions to keep abreast of new trends in the economic field. Actively participate in business training and improve business skills. On the other hand, I learned from my brother's guarantee company and learned their work experience for me.

3, based on honesty, and strive to serve the enterprise.

We take "passionate, timely, efficient, and win-win" as the company's service concept. In actual work, we can rush to the enterprise and think about what the company thinks. As long as the company finds us and needs our guarantee, we always investigate in time. Respond as soon as possible and take the initiative to communicate with the bank to help companies solve financial difficulties.

4. Strengthen pre-war investigation and verification, and strictly control risks.

A guarantee is a high-risk industry that, if left unchecked, can cause losses. Therefore, we treat all guarantees strictly, we strictly control the risks, do not engage in human security, carefully do a good job in the investigation of the external pre-guarantee information of the customers, and carefully evaluate the production and operation, financial status and repayment ability of the enterprise to avoid large amounts of money. The occurrence of compensation claims.

Second, some experience

1. Prevent risks and stress a real word. Preventing and controlling risks is the foundation of the guarantee business. It is the premise for the service of SMEs and the development of the company itself. The guarantee industry is a high-risk industry. Only by effectively preventing and controlling risks can we serve SMEs better. To effectively prevent risks, we must emphasize a real word. Only by doing a good job and doing a good job can we effectively prevent risks.

2. Develop business and stress a stable word. As a guarantee company, we must shoulder the heavy responsibility of serving small and medium-sized enterprises, and we must vigorously develop our business. However, due to the special nature of the guarantee company itself, it cannot be rushed for success. It must be a stable word. Only when it is managed steadily can it be sustainable.

3, service companies, stressing a sincerity. The guarantee enterprise is not only a high-risk industry but also a service industry. Since it is a service industry, it is necessary to emphasize a sincerity and sincerely serve the small and medium-sized enterprises. It is necessary to urgently think about the enterprises and try to solve problems for them. Only in this way can we close the enterprise and maintain the relationship and achieve a win-win goal.

Third, a few suggestions

1. To strengthen the training for the guarantee enterprises, especially how to grasp the business risks of the insured enterprises, and to conduct more field visits.

2. The anti-guarantee assets without the warrants of the enterprise are difficult to register with the relevant government departments. Once the risks arise, the interests of the guarantee companies are difficult to obtain legal protection. How to solve this problem needs to be explored and countermeasures are needed.

Fourth, XX year work ideas

1. Strengthen communication with cooperative banks, strive to increase the original guarantee magnification, and actively contact other banks to increase new cooperative banks.

2. Actively explore and innovate business, increase the types of guarantees, better serve small and medium-sized enterprises, and make due contributions to alleviate the financing of small and medium-sized enterprises.

3. Strengthen internal management, establish and improve the assessment system, improve the subjective initiative of employees, and improve work efficiency and service standards.