Business philosophy of Harbin Junxin Investment Guarantee Co., Ltd.

Corporate mission-public insurance believes in win-win situation

Junxin Company adheres to the basic position of "public insurance cooperation and win-win". "Public guarantee" is aimed at the masses of small and micro enterprises, adheres to the guarantee policy of "small amount dispersion", operates in a wrong position with other guarantee companies, and cooperates with banking institutions to complement each other, which makes the company's development road wider and wider; "Win-win" means "win-win" for small and micro enterprises, which enhances the trust of enterprises, distributes risks for banks, promotes the flow of credit funds to small and micro enterprises, and forms a win-win model of "enterprise satisfaction, bank reassurance, government support and cooperative development".

Outlook on Development-Scientific Development and Steady Management

Junxin Company takes quality as the premise, scale as the means and efficiency as the goal, and insists on the coordinated development of quality, scale and efficiency. Implement the prudent management concept of financial enterprises, adhere to the principle of "safety, liquidity and profitability", establish and improve the internal control and risk management system, and continuously improve the core ability of risk prevention and control; On this basis, according to customer demand, constantly develop new service varieties, explore new channels, explore new markets and expand business scale; At the same time, we will continue to strengthen refined and intensive management to achieve quality, connotation and sustainable development.

Service concept-everything is based on the premise that customers feel good, and Excellence becomes a habit.

Junxin Company takes service as its core competitiveness, and takes the financing needs of small and micro enterprises as its guidance. It explores the guarantee technology adapted to small and micro enterprises, broadens the guarantee financing channels, builds the service network of the whole province, builds a professional service team, and establishes a capital replenishment mechanism, thus forming a "grassroots guarantee" model for serving customers, banks and society, and making Excellence a habit.

Risk concept-the biggest risk is to treat risks correctly, take risks actively and manage risks scientifically, not to develop.

The risks of small and micro enterprises are relative and should be managed through active and innovative services. On the one hand, we don't emphasize the importance of business development unilaterally and avoid taking huge risks beyond our own capabilities; On the other hand, risk management is not put on the opposite side of business development, and risks are avoided by denying business, so that non-development becomes the biggest risk of the company. Instead, it is necessary to implement "two-wheel drive", realize "skill priority and intelligent management", realize a reasonable match between risks and benefits, and turn the traditional low-end credit market of small and micro enterprises into a blue ocean of guarantee services.

Technical concept-tailored grass-roots technology

In order to scientifically develop the market development and risk management of small and micro enterprises, Junxin Company divides the secured customer market into four quadrants with collateral as X axis and repayment source as Y axis (as shown in the figure):

The company has explored a set of grass-roots guarantee technology suitable for small and micro enterprises. According to different types and development stages of enterprises, targeted credit evaluation methods and flexible counter-guarantee measures are adopted to seek the best combination of repayment sources and counter-guarantee measures, and the number of customers who can get loans is expanded from one quadrant to three quadrants, which not only includes a large number of small and micro customers who can't reach the bank credit threshold, but also effectively prevents guarantee risks.

Concept of cooperation-operating credit, managing risk and cooperative development

As a financial intermediary to manage credit and risk, Junxin Company should serve both small and micro enterprises and banks (such as lending institutions). Junxin Company takes small and micro enterprises as the leading market, cooperative banks as the necessary market, and re-guarantee institutions as the boosting market. According to the different risk preferences and product characteristics of banks, it selects eligible projects, selects customers for banks, recommends enterprises to suitable banks, and helps banks control risks, thus becoming an important partner for banks to develop loans for small and micro enterprises.

At present, there are more than 50 cooperative banks in the company, with an average enlargement of 8.7 times, and the accumulated loan guarantee exceeds 654.38+04 billion yuan, which has not brought a bad thing to the banks. The company established a re-guarantee mechanism, and cooperated with Northeast China to create a precedent of "packaging re-guarantee", with a total re-guarantee of 210.90 billion yuan and a cooperation with Xinzheng guarantee of more than 480 million yuan.

Organization View —— Intensive, Flat and Standardized Management System of the General Branch System of the First-class Legal Person

It is difficult for small and micro enterprises to raise funds, and it is even more difficult for small and micro enterprises at the county level to raise funds. Everyone thinks that they are "personal service" for small and micro enterprises. According to the strategy of "basing on Harbin and serving Heilongjiang", the company keeps opening branches and sinking service channels, and builds a "flat, intensive and standardized" management system according to the first-class enterprise head office system.

As the command center, the head office exercises the functions of strategic planning, product development, guarantee approval and organization and management, while the branch offices exercise the functions of market development, organization and marketing, risk control and customer service as service terminals. The strategy, system and image of the head office and branches are unified to form the overall core competitiveness. Through flat management, shorten the decision-making chain and realize efficient operation; Through intensive management, optimize resource allocation, reduce costs and improve operational efficiency; Through standardized management, a reproducible development capability is formed.

Talent concept-good quality, good business and fast work

Junxin advocates "intimate service" for small and micro enterprises. Junxin believes that people should achieve nine words-"good quality, good business and fast work". The company adheres to the principle of "management is serious concern, and training is the best welfare", cultivates a compliance culture of "always compliance, everything compliance and everyone compliance", implements the assessment principle of "salary should be floating, personnel should flow and posts should be changed", and advocates the service spirit of "losing money, working hard, helping others and trusting" and the work spirit of enthusiasm, thoughtfulness, progress and discipline. To build a professional guarantee service team, they are caring and trustworthy people of small and micro enterprises.

People-oriented-caring for shareholders, treating employees well and serving the society.

Small and micro enterprise guarantee is a public service, and linking the capital market can help more small and micro enterprises. Junxin Company is a guarantee institution with mixed ownership, which has both policy background, credit and flexible market operation. After the listing of the New Third Board, the company became the first listed guarantee company in China, with more standardized and transparent governance, further improved brand credit, and established a capital replenishment mechanism, which provided long-term guarantee for serving more small and micro enterprises. The company is committed to achieving the unity of corporate social value, shareholder value and employee value.

Development goal-leading new financial service institutions

Junxin Company should establish a virtuous cycle mechanism of continuous capital replenishment, expanding scale, effectively controlling risks and continuously improving benefits, and constantly explore the development path of specialized "grassroots finance" through the allocation of resources in the capital market and the amplification of guarantee leverage, so as to build the company into a leading new financial service institution with diversified equity, small positioning, efficient service and controllable risks in China, and make contributions to alleviating the financing difficulties and guarantee difficulties of small and micro enterprises.

Common vision-the achievement value of employees with a long history in the company

People are great because of dreams, change because of learning, and succeed because of actions. Financial services for small and micro enterprises are a noble cause that benefits the country and the people, and have broad development prospects and space. Everyone believes that people aim to build a century-old shop, employees and companies develop simultaneously, and the material and spiritual living standards are constantly improving. Everyone has a sense of belonging, pride, responsibility and accomplishment, and realizes the value of life in the cause of security.