Since our company was founded on February 9th, 20xx 65438, it has been three years since we joined the SME Credit Guarantee Association as the fourth private capital guarantee company in our city. In the past three years, the guarantee business and team of Song Yin guarantee companies have been growing and the level of cooperation with banks and financial institutions has been deepening. It has made gratifying achievements in promoting the development of the guarantee industry and promoting the cooperation between banks and enterprises. By the end of the second quarter of 20xx, our guarantee company * * * has implemented 70 monetary guarantees for enterprises seeking financing, with a guarantee amount of 300 million yuan.
The total registered capital of the company is 99 million yuan, with capital increase and share expansion of 5 1 10,000 yuan and subsequent reserve funds of 27 million yuan. The guarantee fund for infrastructure construction is 24 million yuan. The loan balance under insurance is 85 million yuan.
While developing, the company did not forget to give back to the society and took out138,000 yuan to help the poor.
Song Yin Guarantee attaches great importance to the capital operation of cooperative financial institutions and embodies mutual benefit, thus becoming an important part of private capital serving small and medium-sized enterprises. It plays an increasingly prominent role in solving the bottleneck of currency and mortgage guarantee and alleviating the financing difficulties of small and medium-sized enterprises. Especially for the small and medium-sized enterprises in the steel trade industry, we have inspected and distinguished the business philosophy of Jiangsu, Fujian and Jiangsu-Fujian investment enterprises, which are steady and dare to fight and win. Relying on sub-regional chambers of commerce, operators with similar blood, marriage and industry are allowed. Under the premise of risk control, the interests are tied, the strengths are superimposed, and the multiplier effect of capital credit enhancement is exerted. The strategic alliance of strong alliance is gradually becoming a bridge and link connecting banks and small and medium-sized enterprises. On the basis of gratifying achievements and consolidation:
This year, under the leadership of the Municipal Economic Commission and the supervision of the SME Credit Guarantee Association, we will move towards the direction of standardized development, self-discipline and orderly competition in our own industry. Effectively improve the service concept and consciousness to serve the steel trade industry and small and medium-sized enterprises.
First, broaden the level and space of cooperation between banks and enterprises, continue to build a sustainable platform of good mutual trust and relaxation for cooperation between banks and enterprises, and promote a win-win situation among the three parties.
In recent years, compared with the cities around the Yangtze River Delta in southern Jiangsu, Song Yin guarantee companies are still slightly weak in broadening the level, space and scale of bank-insurance cooperation. In 20xx, under the supervision of the Municipal Economic and Trade Commission and other relevant comprehensive economic departments, firstly, actively innovate, accumulate capital, and strengthen the investment and construction of its own hardware facilities and fixed capital by increasing capital and shares. Initially, it is planned to purchase 35 mu of commercial (Class II and III) plots in Changjiang West Road, Zhu Fang Road, Runzhou District, build a guaranteed rental building for production materials and steel trade, and establish a permanent comprehensive service platform to reduce financing costs and promote steel trade.
Second, actively participate in the credit evaluation of guarantee institutions. Taking the participation of the guarantee institutions led by small and medium-sized enterprises in the whole city in the credit rating work carried out in the whole province as an opportunity, the rating results will be entered into the national unified enterprise credit information basic database through standardization and improvement, so as to enhance the efficiency, function and role of the guarantee companies. The third is to explore the establishment of a regular meeting system of bank insurance and bank-enterprise communication. Experts and scholars are invited to explore the limited mechanism of risk control in view of the current domestic financial situation. This paper analyzes the present situation of bank-insurance cooperation, studies the outstanding problems, hot issues and focus issues in bank-insurance cooperation, and studies the relevant work measures, with a view to continuous improvement and development.
Two, to further strengthen the cooperation between guarantee companies and financial institutions.
At present, the international financial crisis has had a profound impact on the relevant real economy. Especially for the development of small and medium-sized enterprises in the city. Mortgagable assets have shrunk and financial conditions have deteriorated. In this difficult period, it is very urgent, necessary and important to actively communicate with financial and banking institutions and reach an understanding and sincere cooperation. Only through the tripartite cooperation of "bank insurance enterprises" can we tide over the difficulties. On the one hand, guarantee companies need to conscientiously implement the spirit of Guiding Opinions on Further Promoting Cooperation between Financial Institutions and Credit Guarantee Institutions issued by Nanjing Branch of the People's Bank of China, and select small and medium-sized steel trade enterprises with strong strength, legal operation, standardized management, sound finance, honesty and trustworthiness as partners through screening guarantee companies. Promote the institutionalization, standardization and long-term cooperation. Seek financial banks to increase the proportion of lending exposure through cooperation over the years. On the other hand, China's guarantee companies should establish a standardized and steady development consciousness, take financing guarantee for small and medium-sized enterprises as their main business, further strengthen cooperation with financial institutions, and analyze the potential risks and weak links found by competent departments and rating agencies. Improve risk identification ability and management level, and realize self-development in the process of supporting enterprise development.
Third, continue to improve financing services for SMEs and broaden financing channels.
While consolidating its service to customers and small and medium-sized enterprises, Songchuan Steel Trade should establish and improve its internal institutional setup and related systems, improve and optimize the guarantee credit process, and cooperate with financial product innovation in the financial field to improve service efficiency. And in-depth discussion and introduction of Temasek SME business model.
In the current relatively difficult economic situation, guarantee companies should establish overall awareness and sense of responsibility. It is necessary to understand, carefully read, grasp and master 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 financing quantitative evaluation system for small and medium-sized steel trade enterprises. For the characteristic financing products and services of small and medium-sized enterprises with good fundamentals and credit records, competitiveness, market and orders, but temporary operational or financial difficulties, we should use various secured financing means such as credit granting, letter of credit opening, bills and factoring to further broaden the financing channels of small and medium-sized enterprises and do a good job in financial information consultation and wealth management services for small and medium-sized enterprises. It is necessary to strengthen the financial statistics and information submission 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.
Article 2 Work report of the guarantee company
I. Basic Information A small and medium-sized enterprise guarantee company cooperated with the provincial branch of the Development Bank to carry out financing guarantee for small and medium-sized enterprises, which was officially launched on 1 month. Xinjin County, as the first batch of pilot counties, signed a cooperation agreement with the Development Bank and obtained a credit of 50 million yuan. In June, the first batch of enterprise loans * * *120,000 were implemented. After nearly a year's trial, it began to be pushed to other districts and counties at the beginning of the year. By the end of the year, 20 districts, cities and counties in the city had signed cooperation agreements with the Development Bank, with a total loan of 2.2 billion yuan.
Among them, Xinjin, High-tech Zone, jinniu district, Shuangliu, etc. 14 districts and counties have been opened normally, and the first loan of 3 districts and counties is being implemented. In addition, the provincial branch of the Development Bank and a small and medium-sized enterprise guarantee company respectively signed financing guarantee cooperation agreements with Tianfu Software Park, Shuangliu Jiaolong Industrial Port and Qingyang Industrial Development Zone (West Zone) in the High-tech Zone, with an agreement amount of 400 million yuan. At the same time, a small and medium-sized enterprise guarantee company increased its registered capital through the soft loan support of Development Bank 1 100 million yuan, and the strength of guarantee funds was further consolidated. After about two years' operation, the Development Bank has issued more than 600 million yuan of financing loans for small and medium-sized enterprises, including 77 new customers/kloc-0 every year, with a loan scale of 478 million yuan.
In the past two years, with the joint efforts of provincial branches of the Development Bank, a small and medium-sized enterprise guarantee company, county government platform companies and small and medium-sized enterprises, development finance has achieved remarkable results in supporting small and medium-sized enterprise loans. The overall sales scale, profits and taxes, and the level of labor and employment of small and medium-sized enterprises supported by loans have been greatly improved, which has promoted the growth of small and medium-sized enterprises and promoted the development of county economy. Taking Xinjin County as an example, the operating income of 18 enterprises supported by loans increased by 18% on average, and the total warehousing tax increased by120,000 yuan year-on-year, and laid-off workers from rural areas and cities were resettled by 1200 people. Among the 18 enterprises that obtained loans, 2 enterprises with tax revenue of one million were newly cultivated, and 3 enterprises above designated size were newly cultivated.
In 2009, the warehousing tax of 29 enterprises supported by CDB loans in Shuangliu County increased by 54.48% on average compared with previous years, which was 32 percentage points higher than the county average. Affected by the deterioration of financial ecology, financial institutions in Jintang and Pujiang counties, whose economic development level is relatively backward, have not increased the scale of local loans for many years, and the development of small and medium-sized enterprises is seriously restricted by the shortage of funds. Through the development of the bank's SME financing platform, six enterprises in Jintang and five enterprises in Pujiang obtained CDB loans, achieving a "zero" breakthrough in the financing guarantee business of these two district and county guarantee companies.
At present, the financing platform and network system for small and medium-sized enterprises, which are composed of the city and county levels, have been established, and the system and operation mechanism have been basically established and preliminarily improved. It has been operating normally for two years, and there is no loans overdue phenomenon. Many enterprises have obtained loan support, at the same time, the degree and level of management norms have been improved, and the awareness of integrity has been significantly enhanced. Development finance supports small and medium-sized enterprise loans to play a demonstration and leading role in the financial field, and many bank branches begin to put new business growth points on small and medium-sized enterprise projects. A number of financial branches are in contact with our company to discuss how to learn from the experience and operation mode of development finance to support small and medium-sized enterprises and establish long-term and stable cooperative relations with our company.
Second, the mode of operation.
1, SME financing platform organization and development bank loan model
First of all, each district and county set up a leading group for SME financing of the Development Bank, funded the establishment of a platform company invested by the government, and selected a local financial sub-branch as the entrusted loan bank. Under the guidance of the local financing leading group, county-level platform companies are responsible for the initial recommendation of financing enterprises, lending to development banks as borrowers, lending to small and medium-sized enterprises through entrusted banks as clients, and managing after lending and recovering principal and interest. As a municipal platform company, the SME guarantee company is responsible for investigating and evaluating the enterprises recommended by districts and counties, as a guarantor to provide guarantee for the loans of district and county platform companies in development banks, and at the same time to provide guarantee for the loans entrusted by district and county platform companies to enterprises.
The loan methods mainly include unified loans from platform companies and guarantees from guarantee companies; Direct loans from enterprises and guarantees from guarantee companies; There are three ways: platform company borrowing and borrowing enterprise joint guarantee. The basic model is that the platform company lends money and the guarantee company guarantees it.
At present, the loan interest rate of Development Bank rises by% on the benchmark interest rate, the guarantee fee of guarantee company is 1.5% of the annual guarantee amount, and the total handling fee of platform companies and entrusted banks in districts and counties is 0.4%- 1%.
2. Developing the operating mechanism of cooperative SME loan business.
Development Bank has mainly established three loan operation mechanisms for small and medium-sized enterprises, namely, evaluation mechanism, risk sharing mechanism and risk control mechanism.
Assessment mechanism: All districts and counties set up assessment teams for loan enterprises, and selected assessment personnel familiar with enterprises or industries to assess the enterprises recommended by districts and counties, so as to improve the fairness and efficiency of assessment decisions. Enterprises that pass the review will be recommended to guarantee companies and development banks.
Risk sharing mechanism: if the loan platform is tied to the loan project, a small and medium-sized enterprise guarantee company will bear 70% of the loan loss, development bank will bear 18% of the loss, and district and county platform companies will bear 12% of the loss. The Development Bank requires platform companies in all districts and counties to deposit %- 12% risk deposit for bundled loans in the Development Bank. For projects that are directly loaned by enterprises or guaranteed by guarantee companies, the Development Bank will not share risks for the time being.
Article 3 Work report of the guarantee company
How time flies! I have been in XXXXXXXXXXX guarantee company for five months. During this period, I received the cordial care of the company leaders and the great help of my colleagues. Through half a year's study and work, I personally felt the change of my working style and the improvement of my ability in the new environment. I now make the following summary of my work during the trial period. 1, learn the company's rules and regulations and business processes.
On the first day I entered the company, the company leaders regarded systematic learning as my first requirement. The guarantee industry has strict business processes and risk control measures, and strict compliance with systems and rules is the necessary basis for business development. During this period, I carefully studied the company's business processes and rules, improved the shortcomings of the original working methods, and standardized my work with the system. At present, I have been able to strictly follow the company's rules and regulations.
2, organize customer files, familiar with the enterprise situation.
District guarantee company is a company with 6 years of operation time and has a very good reputation in the industry. The company has accumulated a large number of enterprise files, which contain many important business information in the past and present. During the probation period, I reported the loan data of nearly 60 corporate customers on time according to the company's requirements, became familiar with the basic situation of the company's new and old customers, and made full preparations for the next better business.
3. Fully perform the investigation duties and carefully write the investigation report.
Pre-loan investigation is an important step to ensure the loan, which is directly related to the safety of the loan. During this half year, I investigated 24 enterprises, made due diligence and analysis on their operations and finances, and wrote 17 investigation reports, which provided a basis for scientific decision-making and fulfilled the duties of investigators.
4. Seriously receive and report documents.
During this period, according to the requirements of the group and the superior departments, I reported the company's various situations and activities on time, and * * * wrote four work summaries, four work plans, eight materials, three learning experiences, 10 activity summaries and a set of company yearbooks. During this period, I got a lot of help from company leaders and colleagues, pointed out my many shortcomings, and I really felt the improvement of my writing ability.
5. Seriously study the financial office meeting, and make study and meeting minutes.
In order to standardize the development of guarantee companies, the Financial Office of the Autonomous Region has organized seminars on financing guarantee companies in Xinjiang for many times. I attended the meeting on behalf of the regional guarantee company. At the meeting, I carefully studied and listened to the meeting spirit of the Financial Office, and made a good report to the leaders of guarantee companies in various regions. At the same time, through the study of the meeting, I learned a lot about the information dynamics of the guarantee industry and enriched my horizons.
6, learn to adapt to corporate culture, improve their own quality in all directions.
After entering the new environment, the difference between the feeling and the previous work unit is organizational culture. I not only have my own job here, but also various learning tasks and activities. I should not only strengthen my professional quality, but also strengthen cultural study and improve my consciousness. During my internship, I studied and participated in the cultural construction activities of many institutions, which greatly enriched my horizons and improved my consciousness and connotation.
The existing problems and the direction of future efforts in these five months of work, I feel that what I need to improve most is the problem of working methods. District guarantee companies pay attention to rigorous and scientific working methods and have high requirements on priority and order. In this regard, I have been guided by company leaders many times and benefited a lot. In my future work, I will continue to deepen my professional knowledge, constantly strengthen my working methods and improve my work efficiency.
Finally, I want to express that during the five-month probation period, the company leaders gave me a lot of care and guidance, and my colleagues also gave me a lot of help, which made me really feel the warmth of the guarantee company and made me really willing to join this team full of "family culture". I am willing to do my best to repay the company's development and growth, and also ask leaders and colleagues to criticize and correct my shortcomings. I will finish every job with greater enthusiasm and enthusiasm.