The personal work plan of the guarantee company is 1 20xx years. In strict accordance with the company's development plan and related requirements, I will constantly strengthen my study and work measures, fulfill my post responsibilities, improve myself, improve myself, participate in the company's construction realistically, give full play to and tap the company's resource advantages and potential, enhance the company's cohesion and competitiveness, and promote the company's healthy, sustained and rapid development.
I. Work objectives
The goal is "all systems are basically perfect, business development has begun to take shape, economic benefits have been improved, and service level has been recognized by customers". Earnestly perform their duties, correctly understand the company's existing problems and development prospects, and lead the team to make the company a first-class team in the financing guarantee industry with "tenacity, innovation, professionalism, harmony, stability and integrity". Scientifically and effectively master and apply various rules and regulations to handle business, prevent risks, standardize behaviors, strengthen business service promotion, further expand the customer base of financing guarantee, make breakthroughs in the customer base of intermediate business (financial consulting and investment consulting), and further consolidate customer loyalty.
Second, the work measures
In specific work, I will take the promotion of the company's development as the criterion, self-improvement, team improvement and business improvement as the starting point, study hard and improve my business ability. Work hard and stick to your post responsibilities. Think hard and integrate theory with practice. Use your head and improve yourself.
Professional independence. Mainly do the following work.
The first is to build a strong and efficient team. Establish and improve a complete, scientific and effective organizational system and a professional team with complementary knowledge. Further recruit talents, introduce talents and improve the company's core competitiveness. Realize the rational allocation of management, economy, credit, risk control, accounting, law, computer and other professionals.
The second is to strengthen the construction of corporate culture. Learn advanced management concepts and methods, and comprehensively improve the quality of yourself and employees. Actively create a learning enterprise, promote the construction of corporate culture, establish brand awareness, expand the company's visibility and influence in the industry, region and even the whole country, and seize and expand the market share of the financing guarantee industry.
The third is to expand market development. Formulate strong reward and punishment measures. In the work of exploring the market and attracting customers, we should strive to expand, be brave in innovation, formulate strong reward and punishment measures, and increase the implementation of the company's overall strategic deployment.
The fourth is to strengthen the construction of risk prevention and control. Establish a preliminary judgment of the risk status of the guaranteed enterprise, a credit rating evaluation system of the guaranteed enterprise, an evaluation system of the counter-guarantee measures of the guaranteed enterprise, and an evaluation system of the guaranteed amount of the guaranteed enterprise. Ensure the safe operation of the company's business.
The personal work plan of guarantee company 2 20xx is a crucial year for xx guarantee company to implement the overall transformation and reform of the group. As an important business segment of xx Capital, the external situation and internal requirements have put forward higher challenges and goals for the risk management of xx guarantee company. In the year of 20xx, it is necessary to further improve the construction of risk management system, innovate risk management means and promote the steady development of the company's business.
I. A brief review of risk management in 20xx years
In the year of 20xx, faced with the continuous fluctuation of domestic economy, various credit risks of credit customers showed a trend of multiple occurrences, and the loan security of banks and guarantee companies suffered an unprecedented impact. In the face of complex and diverse forms of risks, xx guarantee company constantly takes various measures to prevent and resolve all kinds of risks. First, the policy guidelines for secured credit were formulated to provide direction and guidance for business positioning, layout and innovation dynamics. Second, the overall structure of the Risk Management Department was further optimized, highlighting the functions of technical support and management services. Third, two rounds of project inspections were carried out, and all projects were carefully risk-tested, and the project management and control plan of "one household, one policy" was formulated; Fourth, a number of operational risk management and control processes have been optimized, the guarantee business contract has been revised again, the scheme of introducing compulsory execution system into the business has been formulated, and the independent evaluation opinion system of legal personnel at the project evaluation meeting has been established, and the legal work field has been continuously expanded, which further highlights the role of supporting services for the company's business operations. Through the above work, the competition and quality improvement of comprehensive risk management of xx guarantee company have been promoted.
Second, 20xx years of risk management thinking
In 20xx, in the process of China's economic transformation to the new normal, the changes in its structure, mode and system gradually advanced and appeared, which led to greater economic growth pressure in 20xx, and the quality of credit assets was bound to face more severe challenges.
In 20xx, under the guidance of the new normal of economic development, public services, market supervision and social management, urban construction planning, "three old" transformation planning, ecological civilization construction planning and urban comprehensive management planning, Wuhan has made some progress in logistics construction, financial center construction, transportation construction, ecological parks and industrial park projects. The strength of its follow-up investment will be Wuhan. From the company's point of view, the transformation and adjustment of the group company and the further enhancement of its capital strength will make the organizational structure, management mode and operational ability of xx guarantee company more stable.
Based on the above analysis, we will face the following opportunities and challenges in 20xx: First, the slow recovery of external economy in 20xx will make enterprises lack the motivation to expand production, and the instability of trade environment will have a certain impact on corporate customers; Second, the pattern of simultaneous tightening of internal money supply and shadow banking supply will be reversed, and the financing methods faced by enterprises will be more flexible. However, problems such as higher access threshold and higher financing cost will make it difficult for enterprises to alleviate the loan risk in the short term; Third, with the more complex and changeable living environment faced by enterprises, the risk part gradually spreads and cross-infects, which will make the risk management of guarantee companies face greater challenges; Fourthly, the large-scale loan collection activities carried out by banks in 20xx have played an obvious role. With the recovery of fundamentals, in addition to the enterprises that closed down due to loan collection, a group of high-quality enterprises that survived under strong pressure will probably improve their operating quality and profitability, and guarantee companies will also face more and better choices.
Therefore, the impact of preferential policies still stays in the credit market, and the real economy and credit market are facing a more complicated situation. Only by improving our overall risk control and management capabilities can we develop steadily.
In 20xx, the idea of risk management of xx guarantee company is: pay close attention to the changes of macroeconomic policies and market conditions, conform to the laws of economic operation, guide the situation according to the situation, further "optimize the structure, manage meticulously, adhere to all-round and all-round active risk management", and provide differentiated, forward-looking and supportive services for the business development of the company under business transformation.
Optimizing the structure means optimizing the business structure, increasing the proportion of non-financial business and low-risk business, and implementing differentiated management; Optimize the industry structure, adhere to the "advance and retreat" and advance and retreat in an orderly manner; Optimize the customer structure, continuously reduce the amount of single-family guarantee, reduce the balance of group guarantee, and expand the customer base; Optimize the organizational structure, improve the quality of the review meeting and the quality of risk management personnel.
Fine management is to strengthen the performance management before, during and after insurance, which is not only formal compliance, but also the prevention and control of substantive risks. Fine management should penetrate into the company's business philosophy and be implemented in all aspects of business management and every employee.
Third, the main work initiatives
(1) Improve the organizational system of risk management and realize comprehensive and refined risk management in the whole process.
In the 20xx risk management work, xx guarantee company should continue to promote risk management.
Management system construction, from the aspects of optimizing risk management environment, improving risk response ability, perfecting internal control, establishing risk information processing and reporting mechanism, post-evaluation, etc., comprehensively improve risk management and control ability, and realize all-round and whole-process refined risk management. Focus on the following aspects:
1, comprehensively sort out the process. In 20xx, the risk management department of xx guarantee company will independently undertake the risk management of guarantee plate, and will no longer cross the group risk management. Therefore, it is necessary to comprehensively sort out the existing business and management processes, improve the internal control system according to the current business characteristics and resource allocation, find out the key control points, and formulate control methods, responsibilities of managers and operators for each control point, so as to make the management system gradually systematic, standardized and scientific.
2. Establish internal control mechanism. According to the requirements of the Group's management and control, establish the concept of internal control for all employees and the whole process, establish the restriction mechanism of division of labor between the front, middle and Taiwan, clarify the internal control responsibilities of each department, divide the responsibilities into people, establish a clear tracking path, do a good job in the implementation of refined management, and form a working atmosphere of layer-by-layer implementation.
3. Strengthen risk constraints. Further improve the construction of responsible householder system, graded post-lending supervision system, regular risk early warning system and accountability system, fundamentally solve the problem of weak post-lending management and improve the level of credit risk management in the whole process.
4. Improve information management. It is necessary to continuously optimize the process management of information systems, improve the synergy of information systems to various departments, strive to meet the requirements of system improvement through process systems, and enhance the professional and refined management level.
(2) Continuously adjust and optimize the structure and promote differentiated risk management.
1. Optimize the business structure and implement differentiated management of financing guarantee and non-financing guarantee. In the business structure of 20xx, the proportion of non-financial business should be increased from the current 19% to%, and the business scale should strive to exceed 1 100 million yuan. At the same time, according to the strategic positioning, policy grasp, business characteristics, responsibilities and risk tolerance of various guarantee businesses, we will implement professional and differentiated risk management principles, design differentiated process systems for non-financial businesses, and improve operational efficiency and control measures.
2, optimize the industry structure, adhere to the "advance and retreat" industry choice. In 20xx, we should pay close attention to the policy and market risks of the credit industry, and do a good job in the continuous withdrawal of the "two high and one surplus" industries, the defensive withdrawal under the policy adjustment, the timely withdrawal of risky customers, and the strategic withdrawal of saving capital occupation. In the choice of 20xx industry, we should increase support for emerging industries, modern service industries and high-tech industrial clusters; Actively support the improvement of living standards and the use of consumer-related industries; Actively support modern manufacturing industry and manufacturing enterprises attached to local industrial clusters; Strict lending for real estate projects, careful selection of construction enterprises and quota management; Suspension of credit to enterprises engaged in iron and steel trade, coal trade and bulk production materials trade.
3. Optimize the customer structure and reduce the single-family guarantee amount. It is necessary to accumulate a wide range of customer resources, adhere to the principle of moderate multi-households, and reduce the average guarantee amount of a company's single household from the current 6.5438+0.2 million yuan to below 6.5438+0 million yuan. In the credit line of a single project, the credit of large customers or group customers does not exceed 30 million; The credit granted to small and medium-sized customers shall not exceed150,000; Small and micro customers will not exceed 5 million.
4. Optimize the organizational structure and improve the quality of project review and risk management personnel.