Summary of company's quota guarantee work
SMEs Guarantee Co., Ltd. is a professional guarantee institution established by the government with a registered capital of 380 million yuan. Since its establishment in 1999, the company has been serving the local economy and supporting the development of local small and medium-sized enterprises. It has adhered to policy-oriented, corporate management and market-oriented operations. It has provided guarantees for local small and medium-sized enterprises totaling 7.3 billion yuan, and has supported more than 1,800 enterprises. . The company was rated as aa+ level by China United Credit Rating Company, and was rated as the top ten most influential guarantee institutions in China by the National Guarantee Agency Joint Conference hosted by the National Development and Reform Commission.
The difficulty of financing SMEs is a universal problem. As in all parts of the country, the rapid development of local SMEs is also plagued by financial problems. Over the years, the municipal party committee and the municipal government have always attached great importance to the development of small and medium-sized enterprises. They have successively issued a series of major measures, including the pilot work of small and medium-sized enterprises (SMEs), the quota system and the construction of the guarantee system, and the policy guarantee institutions that have made a big push to promote the role. The Sichuan Branch of the China Development Bank actively serves the local economy, exerts the role of development finance in solving the “difficulties” and “hot spots” of the local economy, boldly explores innovation, and takes the lead in cooperating with the local government in the banking sector to develop SME loan business and promote The quota system and the construction of the financing guarantee system. This initiative has opened up new avenues for solving the financing difficulties of local SMEs, and is of great significance to the development of the local economy, especially the county economy. As the largest policy guarantee institution in the locality, the SME guarantee company, with the care and support of the municipal party committee and the municipal government, and the guidance and assistance of the Municipal Small and Medium Enterprise Bureau, the company closely cooperates with the development bank Sichuan branch, district and county governments and platform companies. Cooperation, seizing opportunities, seeking practical and innovative, giving play to the leading role of city-level platform companies, making full use of developmental financial resources, supporting the development of local SMEs, and making development finance support SME financing guarantees have achieved remarkable results.
I. Basic Situation The SME guarantee company cooperated with the Sichuan Branch of the Development Bank to carry out the financing guarantee for SMEs. In October, Xinjin County signed a cooperation agreement with the development bank as the first batch of pilot counties, and obtained a credit of 50 million yuan. In December, a total of 12 million loans from the first 10 companies were implemented. After nearly a year of trials, it began to push forward to other districts and counties. As of the end, the city, 20 districts, cities and counties signed a cooperation agreement with the development bank, the total amount of loans agreed to 2.2 billion yuan. Among them, 14 districts and counties such as Xinjin, Gaoxin District, Jinniu District and Shuangliu have started their business normally, and the first batch of loans from 3 districts and counties are being implemented. In addition, the Development Bank Sichuan Branch and the SME Guarantee Company signed a financing guarantee cooperation agreement with the Tianfu Software Park of the High-tech Zone, the Shuangliu Longlong Industrial Port and the Qingyang District Industrial Development Zone, with an agreement amount of 400 million yuan. At the same time, the SME guarantee company increased its registered capital through the support of the development bank's soft loan of 100 million yuan, and the strength of the guarantee fund was further consolidated. After two years of operation, the development bank's financing for small and medium-sized enterprises has issued more than 600 million yuan of loans, of which only 177 new customers have been added, with a loan scale of 478 million yuan.
In the past two years, with the joint efforts of the Development Bank Sichuan Branch, the SME Guarantee Company, the District and County Government Platform Company and the SMEs, the development finance support for SME loans has achieved remarkable results. The overall sales scale, profit and tax, and labor and employment standards of SMEs supported by loans have grown significantly, which has promoted the growth of SMEs and promoted the development of county economies. Taking Xinjin County as an example, the operating income of 18 enterprises that received loan support grew by an average of 18%, the total warehousing tax increased by 12 million yuan over the same period of the previous year, and 1,200 rural laborers and laid-off workers were resettled. Among the 18 households that have obtained loans, they have newly cultivated 2 million tax enterprises and newly cultivated 3 enterprises above designated size. Shuangliu County received 29 loans from the Bank, and the warehousing tax increased by 54.48% over the previous year, which is 32% higher than the county average. Due to the deterioration of financial ecology and the relatively backward economic development level of Jintang and Pujiang counties, financial institutions have not increased the scale of new loans in the local area for many years, and the development of SMEs is severely constrained by the shortage of funds. Through the development of the bank's SME financing platform, there are 6 Jintang, and 5 companies in Pujiang have obtained loan loans, which has achieved a “zero” breakthrough in the financing guarantee business of the two districts and counties.
At present, the SME financing platform and network system composed of the city and county level of the development bank's SME financing guarantee have been set up, and the system and operation mechanism have been basically established and initially improved. It has been operating normally for two years and there is no overdue loan. At the same time that many enterprises have obtained loan support, the degree and level of management norms have improved, and the sense of integrity has been significantly enhanced. Development finance supports SME loans to play a role in demonstration and driving in the financial sector. Many bank branches have been driven by them to start to focus their new business growth on SME projects. A number of financial branches are in contact with our company to discuss how to use the development finance to support the experience and operation mode of SMEs, and establish a long-term and stable cooperative relationship with our company.
Second, the mode of operation
1. Development Bank SME Financing Platform Organization and Loan Model First, all districts and counties set up a development bank SME financing leading group, and invested in the establishment of a government-invested platform company, and selected a financial branch in the local area as an entrusted loan bank. District and County Platform Company under the guidance of the local financing leading group, responsible for the primary selection and recommendation of the financing enterprise, as the borrower to the development bank loan and as a principal to entrust the bank to lend the loan to the small and medium-sized enterprises, responsible for post-loan management and Recycling of principal and interest. As a municipal platform company, the SME guarantee company is responsible for the investigation and evaluation of the enterprises recommended by the district and county. As a guarantee, the district and county platform companies provide guarantees for the development bank loans, and at the same time provide guarantees for the district and county platform companies to issue entrusted loans to enterprises.
The loan model mainly includes the platform company's unified loan and loan, the guarantee company guarantee; the enterprise direct borrowing, the guarantee company guarantee; the platform company borrowing, and the borrowing enterprise joint guarantee three ways. The basic model is for the platform company to make loans and guarantee the guarantee of the company.
At present, the development bank loan interest rate is 10% above the benchmark interest rate, and the guarantee company guarantee fee is charged at 1.5% of the annual guarantee amount. The handling fee of the district and county platform companies and the entrusted banks totaled 0.4% - 1%.
2. Development Bank Cooperation SME Loan Business Operation Mechanism Development Bank SME Loan has established three operational mechanisms, namely, democratic appraisal mechanism, risk sharing mechanism and risk control mechanism.
Democratic appraisal mechanism: Each district and county establishes a democratic appraisal panel for loan enterprises, and selects democratic appraisers familiar with enterprises or industries to evaluate enterprises recommended by districts and counties to improve the fairness and efficiency of censorship decisions. Companies that have been democratically reviewed are recommended to guarantee companies and development banks.
Risk sharing mechanism: For the loan platform loan project, if there is a loss, the SME guarantee company will bear 70% of the loan loss, the development bank will bear 18% of the loss, and the district and county platform company will bear the loss of 12%. The development bank requires all district and county platform companies to deposit 10%--12% of the risk deposit for the bundled loans in the development bank. For enterprises that directly lend and guarantee companies provide guarantees, the development bank will not implement risk sharing.
Risk control mechanism: build a risk control mechanism for development banks, guarantee companies, local governments and platform companies, commissioned lending banks, and SMEs' credit promotion associations. Not only does it control risk in a certain enterprise or a certain link, but also implements risk management mainly through linkage of various parties, organizational advantages and system construction. For example, the development bank does not investigate specific companies, mainly based on the results of democratic appraisal, the guarantee company's review of insurance companies and the results of corporate financial audits.
Third, the main practice
1. Strengthening service awareness and risk prevention awareness, innovative working methods and measures SME guarantee companies in the promotion of cooperation in SME financing guarantee work, strengthen service awareness and risk prevention awareness, combined with the characteristics of SME financing work, actively explore And new methods and measures for guaranteeing work. According to the basic situation of small and medium-sized enterprises in various districts and counties and the characteristics of the banking business, the company has specially formulated evaluation criteria and evaluation methods for financing enterprises, designed operational procedures that are quick and efficient and control risks as much as possible, and innovated some risk control measures. And means, and give preferential treatment to the bank loan company guarantee fees. For example, in the districts and counties, we have intervened in a qualitative preliminary investigation in the stage of corporate democratic appraisal, which has improved the pass rate and efficiency of the recommended projects of districts and counties; when reviewing software companies, high-tech start-ups, and agricultural industrialization enterprises, According to the characteristics of their respective industries, we have appropriately adjusted the survey focus, evaluation methods, and evaluation indicators. Through the credit limit control, setting technical access conditions, and network publicity methods, the company's guarantee support methods for high-tech enterprises are gradually becoming more and more popular. Perfecting; in view of the anti-guarantee measures of many SMEs without material, we take advantage of the linkage mechanism of risk control, and cooperate with the local government to supervise and innovate assets such as land, construction in progress, and enterprise inventory that have not obtained land certificates. Counter-guarantee measures. The company is mainly based on the platform company's unified lending method, and increases the overall coverage of financing services for SMEs. At the same time, it strives for direct loans for individual projects with key industry demonstrations, and adopts a combination of points and methods to support enterprises in various ways.
2. Combining the characteristics of regional economy and industrial clusters in districts, cities and counties, and optimizing the allocation of guaranteed resources. While promoting the financing guarantee for small and medium-sized enterprises in development finance, we closely cooperate with the development of the bank, and combine the characteristics of the county economy and advantageous industries. Support key industries and characteristic industries, and strive to develop financial resources to support the maximization of the effectiveness of SMEs and optimize the allocation of quota resources. In the high-tech zone and Qingyang District, we have focused on supporting electronic information and software companies, precision mold manufacturing enterprises, and bio-pharmaceutical enterprises; and Jixian and Dujiangyan, we have focused on supporting the watercress production enterprises and farmhouse projects. In Pujiang and Jintang, we focused our support on the leading enterprises in agricultural industrialization. In Wuhou and Chongzhou, the company supports the enterprises in combination with the characteristics of regional endogenous shoes, leather and furniture industry clusters. In addition, we also provide support to Taiwan-funded enterprises, returned overseas entrepreneurs, and micro-small enterprises according to the priorities of the district and county governments and the various stages of the Bank. As the industry concentrates on the park, industrial parks around the country flourish, and advantageous industries and quality customers gather more in the park. We timely adjusted our work ideas, broadened our horizons of finding quality customers, and extended the development finance financial guarantee service system to industrial parks. Since April, the Bank and the guarantee company have successively signed cooperation agreements with the Longlong Industrial Port, the Tianfu Software Industry Park and the Qingyang Industrial Development Zone. At present, many projects recommended by the park have been supported by the Bank.
3. Establish the concept of “great guarantee”, give play to the leading role of the municipal platform company, and actively promote the construction of the quota guarantee system. In the work of promoting the financing guarantee for the cooperation between small and medium-sized enterprises, the SME guarantee company always establishes the concept of “great guarantee”. Give play to the leading role of the company as a city-level platform company, and actively promote the construction of a financial security guarantee system for development finance. On the one hand, in the project development, risk control, and external cooperation, we apply the “big guarantee” idea to solve specific problems, grasp the risks and promote the work through the advantages of the system, system, and linkage mechanism; on the other hand, the guarantee industry The continued healthy development also depends on the improvement of the quota guarantee system and the establishment of a long-term mechanism. We must promote the construction of a financing guarantee system for development finance financial enterprises with the concept of “big guarantee”.
We work closely with the municipal and district/county financing leading groups to strengthen communication with enterprises, governments, and entrusted loan banks through channels such as quota promotion committees, democratic councils, various seminars and training sessions, and promote awareness of integrity to enterprises. The linkages of SME loan work introduce our concepts, standards and processes to improve linkage efficiency. In order to improve efficiency and prevent risks, the company has also established regular work exchange and communication mechanisms with the Development Bank Sichuan Branch. In order to make the company work better with the districts and counties, the company has made a division of responsibilities according to the district and county business departments, and has identified the liaison personnel of each district and county. Through business training and other means, we will strengthen exchanges with platform companies in various districts and counties, and often work with the staff of the district and county platform companies to investigate projects and exchange ideas for work. Through training, communication and practice, the overall work quality and efficiency of many district and county platform companies have been greatly improved. It promoted the development of the overall work of financing guarantee for SMEs. At present, through close cooperation and joint efforts of all parties, a government, bank, guarantee company and small and medium-sized enterprise “four-way linkage” development finance financial guarantee system has been initially formed, effectively alleviating the financing difficulties of small and medium-sized enterprises in the city, promoting small and medium-sized enterprises The development of business and local economy.
IV. Existing problems and suggestions Summary and review Two years of cooperation with the Development Bank to support the practice of SME financing guarantees, there are also obvious problems, mainly reflected in:
1. Some districts and counties are not working hard enough, the quality of recommended projects needs to be improved, and post-loan management is still weak.
2. Due to the talents of the operators, the number of personnel is small, the tasks are heavy, and the time for reporting and approval of the project is longer, and the overall efficiency needs to be improved.
3. Due to the various aspects of financing guarantees, the financing costs of SMEs are still relatively high.
4. The term of the development bank loan and the single variety are not enough to meet the diversified needs of SME financing.
It is suggested that the development bank can introduce more loan types in the future, give full play to the capital cost advantage of development finance to support small and medium-sized enterprises, and give more favorable interest rate support to small and medium-sized enterprises.
The solution to the financing problem of SMEs has a long way to go. The SME guarantee company will, as always, bear in mind the purpose of serving small and medium-sized enterprises, give play to the leading role of the municipal government platform company, and closely cooperate with the development bank Sichuan branch and the district and county government SME management departments and platform companies to jointly develop and develop. Financial support for the new situation of SME financing guarantee work.
The difficulty of financing SMEs is a universal problem. As in all parts of the country, the rapid development of local SMEs is also plagued by financial problems. Over the years, the municipal party committee and the municipal government have always attached great importance to the development of small and medium-sized enterprises. They have successively issued a series of major measures, including the pilot work of small and medium-sized enterprises (SMEs), the quota system and the construction of the guarantee system, and the policy guarantee institutions that have made a big push to promote the role. The Sichuan Branch of the China Development Bank actively serves the local economy, exerts the role of development finance in solving the “difficulties” and “hot spots” of the local economy, boldly explores innovation, and takes the lead in cooperating with the local government in the banking sector to develop SME loan business and promote The quota system and the construction of the financing guarantee system. This initiative has opened up new avenues for solving the financing difficulties of local SMEs, and is of great significance to the development of the local economy, especially the county economy. As the largest policy guarantee institution in the locality, the SME guarantee company, with the care and support of the municipal party committee and the municipal government, and the guidance and assistance of the Municipal Small and Medium Enterprise Bureau, the company closely cooperates with the development bank Sichuan branch, district and county governments and platform companies. Cooperation, seizing opportunities, seeking practical and innovative, giving play to the leading role of city-level platform companies, making full use of developmental financial resources, supporting the development of local SMEs, and making development finance support SME financing guarantees have achieved remarkable results.
I. Basic Situation The SME guarantee company cooperated with the Sichuan Branch of the Development Bank to carry out the financing guarantee for SMEs. In October, Xinjin County signed a cooperation agreement with the development bank as the first batch of pilot counties, and obtained a credit of 50 million yuan. In December, a total of 12 million loans from the first 10 companies were implemented. After nearly a year of trials, it began to push forward to other districts and counties. As of the end, the city, 20 districts, cities and counties signed a cooperation agreement with the development bank, the total amount of loans agreed to 2.2 billion yuan. Among them, 14 districts and counties such as Xinjin, Gaoxin District, Jinniu District and Shuangliu have started their business normally, and the first batch of loans from 3 districts and counties are being implemented. In addition, the Development Bank Sichuan Branch and the SME Guarantee Company signed a financing guarantee cooperation agreement with the Tianfu Software Park of the High-tech Zone, the Shuangliu Longlong Industrial Port and the Qingyang District Industrial Development Zone, with an agreement amount of 400 million yuan. At the same time, the SME guarantee company increased its registered capital through the support of the development bank's soft loan of 100 million yuan, and the strength of the guarantee fund was further consolidated. After two years of operation, the development bank's financing for small and medium-sized enterprises has issued more than 600 million yuan of loans, of which only 177 new customers have been added, with a loan scale of 478 million yuan.
In the past two years, with the joint efforts of the Development Bank Sichuan Branch, the SME Guarantee Company, the District and County Government Platform Company and the SMEs, the development finance support for SME loans has achieved remarkable results. The overall sales scale, profit and tax, and labor and employment standards of SMEs supported by loans have grown significantly, which has promoted the growth of SMEs and promoted the development of county economies. Taking Xinjin County as an example, the operating income of 18 enterprises that received loan support grew by an average of 18%, the total warehousing tax increased by 12 million yuan over the same period of the previous year, and 1,200 rural laborers and laid-off workers were resettled. Among the 18 households that have obtained loans, they have newly cultivated 2 million tax enterprises and newly cultivated 3 enterprises above designated size. Shuangliu County received 29 loans from the Bank, and the warehousing tax increased by 54.48% over the previous year, which is 32% higher than the county average. Due to the deterioration of financial ecology and the relatively backward economic development level of Jintang and Pujiang counties, financial institutions have not increased the scale of new loans in the local area for many years, and the development of SMEs is severely constrained by the shortage of funds. Through the development of the bank's SME financing platform, there are 6 Jintang, and 5 companies in Pujiang have obtained loan loans, which has achieved a “zero” breakthrough in the financing guarantee business of the two districts and counties.
At present, the SME financing platform and network system composed of the city and county level of the development bank's SME financing guarantee have been set up, and the system and operation mechanism have been basically established and initially improved. It has been operating normally for two years and there is no overdue loan. At the same time that many enterprises have obtained loan support, the degree and level of management norms have improved, and the sense of integrity has been significantly enhanced. Development finance supports SME loans to play a role in demonstration and driving in the financial sector. Many bank branches have been driven by them to start to focus their new business growth on SME projects. A number of financial branches are in contact with our company to discuss how to use the development finance to support the experience and operation mode of SMEs, and establish a long-term and stable cooperative relationship with our company.
Second, the mode of operation
1. Development Bank SME Financing Platform Organization and Loan Model First, all districts and counties set up a development bank SME financing leading group, and invested in the establishment of a government-invested platform company, and selected a financial branch in the local area as an entrusted loan bank. District and County Platform Company under the guidance of the local financing leading group, responsible for the primary selection and recommendation of the financing enterprise, as the borrower to the development bank loan and as a principal to entrust the bank to lend the loan to the small and medium-sized enterprises, responsible for post-loan management and Recycling of principal and interest. As a municipal platform company, the SME guarantee company is responsible for the investigation and evaluation of the enterprises recommended by the district and county. As a guarantee, the district and county platform companies provide guarantees for the development bank loans, and at the same time provide guarantees for the district and county platform companies to issue entrusted loans to enterprises.
The loan model mainly includes the platform company's unified loan and loan, the guarantee company guarantee; the enterprise direct borrowing, the guarantee company guarantee; the platform company borrowing, and the borrowing enterprise joint guarantee three ways. The basic model is for the platform company to make loans and guarantee the guarantee of the company.
At present, the development bank loan interest rate is 10% above the benchmark interest rate, and the guarantee company guarantee fee is charged at 1.5% of the annual guarantee amount. The handling fee of the district and county platform companies and the entrusted banks totaled 0.4% - 1%.
2. Development Bank Cooperation SME Loan Business Operation Mechanism Development Bank SME Loan has established three operational mechanisms, namely, democratic appraisal mechanism, risk sharing mechanism and risk control mechanism.
Democratic appraisal mechanism: Each district and county establishes a democratic appraisal panel for loan enterprises, and selects democratic appraisers familiar with enterprises or industries to evaluate enterprises recommended by districts and counties to improve the fairness and efficiency of censorship decisions. Companies that have been democratically reviewed are recommended to guarantee companies and development banks.
Risk sharing mechanism: For the loan platform loan project, if there is a loss, the SME guarantee company will bear 70% of the loan loss, the development bank will bear 18% of the loss, and the district and county platform company will bear the loss of 12%. The development bank requires all district and county platform companies to deposit 10%--12% of the risk deposit for the bundled loans in the development bank. For enterprises that directly lend and guarantee companies provide guarantees, the development bank will not implement risk sharing.
Risk control mechanism: build a risk control mechanism for development banks, guarantee companies, local governments and platform companies, commissioned lending banks, and SMEs' credit promotion associations. Not only does it control risk in a certain enterprise or a certain link, but also implements risk management mainly through linkage of various parties, organizational advantages and system construction. For example, the development bank does not investigate specific companies, mainly based on the results of democratic appraisal, the guarantee company's review of insurance companies and the results of corporate financial audits.
Third, the main practice
1. Strengthening service awareness and risk prevention awareness, innovative working methods and measures SME guarantee companies in the promotion of cooperation in SME financing guarantee work, strengthen service awareness and risk prevention awareness, combined with the characteristics of SME financing work, actively explore And new methods and measures for guaranteeing work. According to the basic situation of small and medium-sized enterprises in various districts and counties and the characteristics of the banking business, the company has specially formulated evaluation criteria and evaluation methods for financing enterprises, designed operational procedures that are quick and efficient and control risks as much as possible, and innovated some risk control measures. And means, and give preferential treatment to the bank loan company guarantee fees. For example, in the districts and counties, we have intervened in a qualitative preliminary investigation in the stage of corporate democratic appraisal, which has improved the pass rate and efficiency of the recommended projects of districts and counties; when reviewing software companies, high-tech start-ups, and agricultural industrialization enterprises, According to the characteristics of their respective industries, we have appropriately adjusted the survey focus, evaluation methods, and evaluation indicators. Through the credit limit control, setting technical access conditions, and network publicity methods, the company's guarantee support methods for high-tech enterprises are gradually becoming more and more popular. Perfecting; in view of the anti-guarantee measures of many SMEs without material, we take advantage of the linkage mechanism of risk control, and cooperate with the local government to supervise and innovate assets such as land, construction in progress, and enterprise inventory that have not obtained land certificates. Counter-guarantee measures. The company is mainly based on the platform company's unified lending method, and increases the overall coverage of financing services for SMEs. At the same time, it strives for direct loans for individual projects with key industry demonstrations, and adopts a combination of points and methods to support enterprises in various ways.
2. Combining the characteristics of regional economy and industrial clusters in districts, cities and counties, and optimizing the allocation of guaranteed resources. While promoting the financing guarantee for small and medium-sized enterprises in development finance, we closely cooperate with the development of the bank, and combine the characteristics of the county economy and advantageous industries. Support key industries and characteristic industries, and strive to develop financial resources to support the maximization of the effectiveness of SMEs and optimize the allocation of quota resources. In the high-tech zone and Qingyang District, we have focused on supporting electronic information and software companies, precision mold manufacturing enterprises, and bio-pharmaceutical enterprises; and Jixian and Dujiangyan, we have focused on supporting the watercress production enterprises and farmhouse projects. In Pujiang and Jintang, we focused our support on the leading enterprises in agricultural industrialization. In Wuhou and Chongzhou, the company supports the enterprises in combination with the characteristics of regional endogenous shoes, leather and furniture industry clusters. In addition, we also provide support to Taiwan-funded enterprises, returned overseas entrepreneurs, and micro-small enterprises according to the priorities of the district and county governments and the various stages of the Bank. As the industry concentrates on the park, industrial parks around the country flourish, and advantageous industries and quality customers gather more in the park. We timely adjusted our work ideas, broadened our horizons of finding quality customers, and extended the development finance financial guarantee service system to industrial parks. Since April, the Bank and the guarantee company have successively signed cooperation agreements with the Longlong Industrial Port, the Tianfu Software Industry Park and the Qingyang Industrial Development Zone. At present, many projects recommended by the park have been supported by the Bank.
3. Establish the concept of “great guarantee”, give play to the leading role of the municipal platform company, and actively promote the construction of the quota guarantee system. In the work of promoting the financing guarantee for the cooperation between small and medium-sized enterprises, the SME guarantee company always establishes the concept of “great guarantee”. Give play to the leading role of the company as a city-level platform company, and actively promote the construction of a financial security guarantee system for development finance. On the one hand, in the project development, risk control, and external cooperation, we apply the “big guarantee” idea to solve specific problems, grasp the risks and promote the work through the advantages of the system, system, and linkage mechanism; on the other hand, the guarantee industry The continued healthy development also depends on the improvement of the quota guarantee system and the establishment of a long-term mechanism. We must promote the construction of a financing guarantee system for development finance financial enterprises with the concept of “big guarantee”.
We work closely with the municipal and district/county financing leading groups to strengthen communication with enterprises, governments, and entrusted loan banks through channels such as quota promotion committees, democratic councils, various seminars and training sessions, and promote awareness of integrity to enterprises. The linkages of SME loan work introduce our concepts, standards and processes to improve linkage efficiency. In order to improve efficiency and prevent risks, the company has also established regular work exchange and communication mechanisms with the Development Bank Sichuan Branch. In order to make the company work better with the districts and counties, the company has made a division of responsibilities according to the district and county business departments, and has identified the liaison personnel of each district and county. Through business training and other means, we will strengthen exchanges with platform companies in various districts and counties, and often work with the staff of the district and county platform companies to investigate projects and exchange ideas for work. Through training, communication and practice, the overall work quality and efficiency of many district and county platform companies have been greatly improved. It promoted the development of the overall work of financing guarantee for SMEs. At present, through close cooperation and joint efforts of all parties, a government, bank, guarantee company and small and medium-sized enterprise “four-way linkage” development finance financial guarantee system has been initially formed, effectively alleviating the financing difficulties of small and medium-sized enterprises in the city, promoting small and medium-sized enterprises The development of business and local economy.
IV. Existing problems and suggestions Summary and review Two years of cooperation with the Development Bank to support the practice of SME financing guarantees, there are also obvious problems, mainly reflected in:
1. Some districts and counties are not working hard enough, the quality of recommended projects needs to be improved, and post-loan management is still weak.
2. Due to the talents of the operators, the number of personnel is small, the tasks are heavy, and the time for reporting and approval of the project is longer, and the overall efficiency needs to be improved.
3. Due to the various aspects of financing guarantees, the financing costs of SMEs are still relatively high.
4. The term of the development bank loan and the single variety are not enough to meet the diversified needs of SME financing.
It is suggested that the development bank can introduce more loan types in the future, give full play to the capital cost advantage of development finance to support small and medium-sized enterprises, and give more favorable interest rate support to small and medium-sized enterprises.
The solution to the financing problem of SMEs has a long way to go. The SME guarantee company will, as always, bear in mind the purpose of serving small and medium-sized enterprises, give play to the leading role of the municipal government platform company, and closely cooperate with the development bank Sichuan branch and the district and county government SME management departments and platform companies to jointly develop and develop. Financial support for the new situation of SME financing guarantee work.
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