Guilin huazhou financing xing guarantee co., ltd

Business development plan of guarantee company 20 10.

Since the limited guarantee of XXX company was formally established, with the strong support of XXX government, a team serving small and medium-sized enterprises was quickly established and actively participated in it. Previously, with the joint efforts of all employees of the company, the total amount of financing guarantee provided by XX Company on June 5438+February 3, 2009 was XX billion. In order to expand the financing platform and expand the business field, the service level of the company has been greatly improved. In the next stage, we will make a development plan after the reorganization of 20 10.

The first part is the current situation and market prospect of the industry.

Small and medium-sized enterprises are one of the economic pillars of Shanxi Province. It is understood that at present, there are nearly 90,000 small and medium-sized enterprises in Shanxi Province, accounting for more than 99% of the total number of enterprises in the province. SMEs in the province account for 50% of GDP and 40% of fiscal revenue, creating and providing more than 80% of new employment opportunities in urban and rural areas. Small and medium-sized enterprises play an important role in economic and social employment in Shanxi Province, and are the "booster" and "reservoir" of economic development. However, due to irregular finance, opaque information and mortgage loan itself, small and medium-sized enterprises have long been a stumbling block to their development and a financing bottleneck. The survey shows that the proportion of small and medium-sized enterprises refusing loans due to lack of effective guarantee is as high as 23.8%, and the proportion of refusing loans is as high as 33.3%, which together account for 57. 1% of loans. Due to the influence of small and medium-sized enterprises themselves and various factors, the loan success rate is less than 50%, which seriously affects and restricts the further development of small and medium-sized enterprises, and it is difficult to ensure their financing difficulties from banks.

Development status of credit guarantee industry in small and medium-sized enterprises

After 10 years of development, China's SME credit guarantee institutions have developed into a new sunrise industry on a pilot basis. Mainly reflected in the following aspects:

1 The credit guarantee system for small and medium-sized enterprises has changed from early government-led to market-led and government-led. The focus of government functions is to establish compensation mechanism and effectively allocate credit resources. The government's policy guidance has activated a large number of private capital guarantee industries and significantly accelerated this process of the guarantee industry. Market-oriented, private security agencies gradually occupy a dominant position in the market.

2. China's SME credit guarantee institutions have strong capital strength, innovative business varieties, professional teams and stable overall quality. After 10 years of development, some guarantee institutions have developed their own financial strength, built professional teams, improved the risk management mechanism, and gradually formed brand advantages.

3. The credit guarantee institutions for small and medium-sized enterprises in China support the improvement of enterprise efficiency and the development of small and medium-sized enterprises, with remarkable social benefits. Appraiser's trust, long-term mechanism of institutional credit and social trust.

Of course, due to the uneven development of enterprises in financial strength, management level, risk control mechanism and market, there are differences between different enterprises in different regions. For example, by the end of 2009, there were 4.7 financing guarantee institutions in developing cities, with 657 employees and registered capital of $65.438+48 billion. The accumulated amount of guarantee for 9390 small and medium-sized enterprises is about 5.9 billion US dollars; According to incomplete statistics, in 2009, there were 533 small and medium-sized enterprises that borrowed from banks through guarantees, and the proportion of small and medium-sized enterprise loans in the total number of enterprises in the city was only 1%, which is an urgent need for the development of the guarantee industry in the city.

Our development situation

Taiyuan Minsheng Investment Guarantee Co., Ltd., with a registered capital of 56 million yuan, is a high-quality small and medium-sized enterprise of Taiyuan Municipal Government. The company's aim is to actively respond to the impact of the international financial crisis. Strive to solve the problem of difficult loans and expensive financing for small and medium-sized enterprises in Taiyuan, and promote Taiyuan. In the healthy development of small and medium-sized enterprises, the company introduced the advanced management mode of Minsheng Bank and Taiyuan Branch, which created a precedent for the government and enterprises in our province. At present, Taiyuan Branch, the main branch of the company, and Minsheng Bank have achieved satisfactory results in their business operation for three months, but at the same time, some problems have been exposed, mainly in two aspects: first, team building needs to be strengthened, and second, system construction needs to be improved. The reasons for these two aspects are that the company has just been established, and it takes some time to build an operating system. I believe the company will get back on track soon.

the second part

With the development ideas of 20 10 and 20 10, and with the strong support of relevant government departments, Taiyuan Branch of Minsheng Bank will continue to strengthen cooperation, form a more stable in-depth cooperation between Taiyuan SME Innovation Service Center and county service centers, explore the establishment of green channels, provide financing guarantees for SMEs, strengthen team and system construction, strictly control business risks, and establish corporate brand strategic cooperation relations. On this basis, gradually improve the function, straighten out the system, standardize the operation, diversify the development, increase investment in a planned way, and actively create listing conditions. The specific objectives and plans are as follows:

business development

(a) the overall structure of the business structure

Guarantee business, investment business and other businesses

()' s business philosophy and development goals

1, guarantee business

Continue to connect with the "Commercial Loan Link" products of Minsheng Bank Taiyuan Branch, and actively strive for the credit line of Taiyuan Branch and Minsheng Bank. The registered capital of 56 million yuan is not enough. Target task = 5600× 10 times = 5.6 million yuan.

Investment business

Follow the principle of safety and stability, invest in short-term and gradually expand to long-term investment. Long-term investment, mainly through government-led projects and short-term investment of Taiyuan municipal government information, to ensure support for commercial platforms, Taiyuan Branch and Minsheng Bank for short-term lending, bridge loan and entrusted investment services; Select projects suitable for our company to participate in and actively seek to realize them. Due to the guarantee business, the bank deposits that need to be guaranteed and the investment business in which funds are deposited into accounts are calculated as the deposits of customers in our company, accounting for 5%, that is, 56,000× 5% = 2.8 billion yuan. Excluding the one-time investment expenses such as rent, decoration and purchase of fixed assets, and ensuring normal operation, the amount available for investment is about 20 million US dollars. 80% of the business is at the enterprise level, and the remaining 20% is allocated to the business center.

3. Other businesses

Other businesses include deposit interest rates and income from derivative services.

(III) Profits Estimated annual operating profit

(1) guarantee business

The income from guarantee business calculated at the uniform tax rate of 3% = 56,000× 3% =1680,000 yuan.

(2) Investment business

According to the expected annual rate of return15% = 2000×15% = 3 million yuan, the guarantee business income is calculated. Other affairs

(3) Margin interest = 5600× 2.25% =10.26 billion yuan.

3 =1680+300+126 = 21.06 trillion yuan

Annual operating expenses

(1) for rent

The office has not yet been determined, and the rental business volume is tentatively set at 6.5438+0 million yuan/year.

(2) Decoration expenses

Business field? Considering the decoration cost of 2200m2, 500 yuan/m2, the decoration cost = 2200×500 = 165438+ ten thousand yuan. According to the annual amortization of 10, the annual amortization expense is 1 1 ten thousand dollars.

(3) Employee benefits

The number of employees is 24. According to the business development, it is estimated that it is necessary to add two departments and increase the number of employees 1 1 person. When employees are over 35 years old, the average monthly salary is 4,000 yuan, plus business commission, welfare and insurance, the annual salary of employees is 3.87 million yuan (including salary = 35× 0.4× 10), performance commission1680× 8% = 65,438+35 million yuan, and insurance =/.

(4) Depreciation of fixed assets

Including fixed assets such as system development, vehicles, computers, printers, photocopiers, office furniture, etc., it is estimated that it will be USD 654.38+RMB 3,000, amortized, and the average annual depreciation expense for five years is about RMB 260,000.

(5) Office expenses

Office supplies, business entertainment expenses, vehicle use fees, travel expenses, legal consulting fees, financial consulting fees, communication fees and training fees are about 654.38 USD+200 million yuan.

(6) Board allowance of 50-65,438 yuan+65,438 yuan+0-200,000 yuan, project review fee.

(7) Risk reserve

0.5% risk reserve is 56 billion yuan, and the guaranteed amount of risk reserve is 56,000× 0.5% = 2.8 million USD.

(8) Not due

& gt1680× 30% = USD 5.04 million liability reserve.

(9) Business taxes and surcharges

2 106x5.625% = over1180,000.

Expenses, expenses and taxes, * * * is about15.76 million yuan.

total profit

Profit = revenue-cost = 2 106 to1576 = 5.2 million.

Net profit = 520× (1-25%) = 3.9 million.

Return on capital = 390/5006 = 7%

Secondly, they should increase their investment plans.

20 10, the company plans to increase capital to expand safety functions. The specific way is to further absorb the credit status of enterprises and natural persons with small and medium sympathy. Minsheng Bank, two shareholders, recommended to contact customers and our company screened them. This year, the planned funds will be increased to 2 million.

Goal, in order to promote the plan in 20 10 vigorously promote measures.

Target promotion plan

In the third quarter of this year, the "commercial loan connection" business of Minsheng Bank Taiyuan Branch, the volume business recommended by each branch to our company should be sustained and stable, but the small and medium-sized enterprise model needs a lot less money at the beginning of this year to the end of this year. According to this principle, the annual task index of the company's quarterly news center is decomposed, as shown in the following table:

Unit of amount: ten thousand yuan

Quarterly task

Annual business unit, first quarter

The second, third and fourth quarters totaled 3000 3500 3500 4000.

Center 3000 3500 3500 40001400014000.

Three of the four centers, two centers 3000 3500 3500 400014000br/> 3000 3500 3500 400014000.

12000

14000

14000

16000 56000

On this basis, according to the overall arrangement of the company's needs, the business centers completed a net investment income of $6,543,800+0.5 million, accounting for 20% of the company's total investment income.

Second, the target measures

Strengthen enterprise hardware construction

(1) planned and constructed modern office space

At present, I have * * * eight departments, a staff of 22 people, * * * eight computers with different configurations (only three computers are connected to the internet), and many departments and people are crowded in one office, which is easy to cause personnel interaction, low efficiency, far from meeting business needs, and poor external image, which is not conducive to long-term development. In 20 10, the company plans to build a building area of 2200 square meters to meet the demand for modern office space and a series of office equipment in the business development stage.

(2) solving traffic problems

At the front desk of the business center, the frequency of going out needs to be investigated and implemented in advance, post supervision and other work, and the middle and back office departments run errands. At present, whether the company has purchased vehicles can temporarily solve this problem, but it is not conducive to the long-term development of the company. In 20 10, the company will purchase a certain number of cars according to the needs of business development and formulate corresponding management measures.

2. Strengthen the company's software construction.

(1) Strengthen team building.

First, the direction of team building

The guiding ideology is a domestic first-class enterprise. After the establishment of the company, the company plans to achieve the guarantee goal, and establish a high-quality professional team that is brave in exploration, innovation, proficient in business, efficient in service, hardworking, honest and trustworthy, and fully embodies its own value on the basis of satisfying the government, banks and shareholders.

B company organization

See the organization chart of the enterprise. The difference is the addition of a risk management department and a legal post.

C, setting

? General manager's institutional responsibilities and work

Implement the resolutions of the board of directors, preside over the overall work of the company, ensure the realization of business objectives, organize and guide the company's daily operation and management, establish and improve the company's unified and efficient organizational system and work system, improve the financial management system, strictly enforce financial discipline, and ensure the preservation and appreciation of assets; Strengthen the construction of corporate culture, handle the relationship with society and the public, and establish a good social image.

Strategic Planning Committee (2)

Explore major development strategies, study the company's comprehensive allocation of social resources, plan major projects and market development plans, be responsible for product design and engineering risk analysis, provide advice and guidance for the company's development, and provide consulting and business planning, investment and business operation.

Risk Assessment Committee (2)

Study risk control measures, including business evaluation.

? Responsibilities of Management Department (3)

Cooperate and coordinate the professional preparation of the company's development strategy and planning; Promotion planning and management of the company, coordination inside and outside the company, human resources, logistics daily affairs, company management, safety, business document management and other administrative affairs. accountability

? Ministry of Finance (2)

Daily accounting, financial management, capital operation and budget management.

(5) Risk Management Department BR/> Develop the company's business management, practice and risk control system; The business of a credit rating company; Professional audit of the company's business, risk assessment of the company's business, formulation of relevant laws, and implementation of counter-guarantee measures by audit; Responsible for the legal affairs of litigation and arbitration rights; Responsible for business supervision and insurance.

Guarantee business unit (20 is divided into four business centers, and each center has five work preparations)

The guarantee business is responsible for accepting, investigating and consulting the guarantee business accepted by customers, signing relevant contracts and conducting follow-up insurance investigations.

According to the above deployment, I lack the strategic planning committee and risk assessment committee, risk management department, business center, six business personnel and different departments of these two institutions to ensure the smooth completion of the target tasks in 20 10, and I will openly recruit staff according to the work requirements of the whole society.

(2) Strengthen system construction.

Scientific business process.

Scientific business process, in order to achieve effective process control, different departments and different business personnel supervise each other, * * * resist risks and distinguish responsibilities, which can further improve our work efficiency. If conditions permit, you can adopt the network office design mode of scientific and technological means, and complete the acceptance, investigation, preparation, review, approval and filing of the project (report) step by step through the network system;

Establish a scientific risk assessment system ...../> Guarantee industry. The risk of work is higher than the proportion of profit, which requires that our salary rate must be reduced to a very low level, otherwise it will be difficult to survive. The establishment of quantitative assessment and risk assessment system can reduce the security risks of enterprise applications and reduce human errors. Company Risk Assessment System The Risk Management Department adopts a combination of internal and external methods within the company, adopts scientific calculation methods according to relevant regulations, measures the cooperation of qualified rating agencies outside the company, and completes the risk assessment of customers.

C, strengthen the design ability of counter-guarantee procedures.

On the basis of summarizing the previous period, organize relevant experts to formulate legal, effective and feasible counter-guarantee and clarify relevant implementation measures. Plan the counter-guarantee scheme, strive to reach the business manager, and operate, control and handle the risks of the corresponding counter-guarantee measures for each project acceptable to customers;

D, after the establishment of safety supervision mechanism

Classify the quality of underwriting business, formulate different strategies, different classification results and different methods to ensure that each guarantee will not have bad debts, bad debts and bad debts. Even in dangerous situations, we should try our best to reduce losses and dynamically supervise the implementation of counter-guarantee schemes to prevent them from becoming a mere formality.

E, establish a scientific and systematic personnel management.

Including recruitment, employment, incentives, rewards and punishments, responsibilities, commitments, business assessment and other scientific personnel management systems, maximize the potential of employees, control personnel and risks within a certain framework, mobilize enthusiasm and strengthen management.

At present, the company has completed the establishment of the system and put it into trial operation. 20 10 on the basis of past experience, the above system will be more perfect, provide better business services and control risks.

(3) Strengthen the brand building of the company 20 10.

Pay attention to corporate image and the relationship between the public and the public, and gradually shape the core corporate image and people's livelihood protection brand. Specific publicity means, including:

An accidental opportunity to use various meetings, seminars, training courses and other activities to publicize, improve people's livelihood security and expand influence in the industry.

B, with the help of news media, publish propaganda articles in various ways, publicize the image of guarantee service enterprises, introduce guarantee investment institutions, carry out various forms of publicity and education cooperation activities, and create a good public opinion influence.

C, according to the type of guarantee business, print corporate image brochures, publicity color pages and videos, print leaflets, distribute them to target user groups, banks, real estate developers, commodity traders and intermediaries, compile them into volumes and submit them to the company.

D, need to hold a press conference in time, reported in newspapers and magazines, and continue to engage in this work.

3. Complete regular business evaluation, find problems and determine solutions to ensure the smooth completion of this year's task objectives.

On the basis of development planning suggestions, the previous work, relatively consistent goals and certain guiding significance are summarized. For the next stage of work, I hope that members of all departments of the company will strive to complete the task indicators ahead of schedule on the basis of carefully understanding and controlling business risks.