Summary of cashier's work in guarantee company

Summary refers to the written materials that social groups, enterprises and individuals review and analyze the study, work or its completion at a certain stage, and draw lessons and some regular understandings from them. Through it, you can get a comprehensive and systematic understanding of your previous study and work, so you should write a summary. So do you know how to write a summary? The following is a summary of the cashier's work of the guarantee company I compiled for you, for reference only. Let's have a look.

20xx, in the past year's work, the Ministry of Social Security has actively carried out all kinds of work closely around the annual work objectives and economic indicators set by the leaders, and made great progress in such aspects as small loan guarantee, loan guarantee for urban poverty alleviation projects, economic loan guarantee for rural women's shed reform, and regular return visits by insurance enterprises and individuals. The work progress, existing problems and recent work arrangements are summarized as follows:

I. Progress of work

(1) Small loan guarantee.

In 20xx, after the merger and reorganization of investment companies and guarantee companies, in order to optimize business varieties and expand the guarantee market, our department was changed from the original loan management department to four guarantee departments, mainly responsible for the small loan guarantee business.

In 20xx, I served as the project manager of four small loan guarantee businesses.

The accumulated guarantee amount is 6.5438+0.7 million yuan, and the accumulated guarantee fee is 1 10,000 yuan. The above four businesses belong to different types, including individual industrial and commercial households engaged in auto parts, general taxpayer enterprises engaged in food trade, small enterprises engaged in food processing, and individual industrial and commercial households engaged in engineering equipment leasing. Although the number of transactions is small, individuals have successfully completed the exploration and experience accumulation of microfinance guarantee business in the process of business handling, which has provided a strong guarantee for the more comprehensive and in-depth development of microfinance guarantee business in 20xx.

(two), the city's "one help one" poverty alleviation loan guarantee.

The loan guarantee for the urban "One Help One" poverty alleviation project is a large-scale loan poverty alleviation project led by Daqing Federation of Trade Unions, with Longjiang Bank as the main borrower, some laid-off workers in four counties as the main lender and our company as the guarantor.

In 20xx, I worked as the project manager of "one-to-one" loan guarantee business * * 11,of which 8 loans have been made, with an accumulated guarantee amount of 380,000 yuan, and the remaining 3 loans have been issued with a guarantee commitment letter, with an accumulated guarantee fee of110,000 yuan. With the development of this work, there are two main gains in the process of this work: one is to expand the idea of guarantee business. Second, during the project investigation, laid-off workers showed strong and confident entrepreneurial passion, which gave me greater encouragement and made me more enthusiastic and responsible for my work.

(three), rural women's shed to house economic loan guarantee.

In order to fully implement the spirit of documents Jincai [20xx]72 and Heicai Jinji [20xx]65, we actively responded to the policy call of the municipal party committee and the municipal government on accelerating the development of shed-to-shed economy, and further promoted the work of rural women's entrepreneurship and employment in our city. Be responsible for ...

The policy of guaranteed loans was further implemented, benefiting rural women. Under the leadership of the department manager, I quickly devoted myself to the work of this project and made some achievements in my work.

In 20xx, I served as the project manager of 78 economic loan guarantee businesses for rural women's shed reform, with a total guarantee amount of 4.86 million yuan and a total guarantee fee of 1 10,000 yuan.

(4) In the supervision of insurance companies and individuals.

Our department has not been established for a long time. Up to now, all loan enterprises and individuals are in the guarantee period, but in the course of my work, I have always implemented various risk prevention and control policies of the unit, and based on this, I have carried out the following work on the post-guarantee supervision of the insured enterprises and individuals: First, I have kept in touch with the enterprise legal person in time through communication and other means to understand the recent production and operation status of the enterprise, the use of funds and the progress of new projects. The second is to understand the debt service situation of loan enterprises and individuals through bank credit personnel. The third is to understand the operating conditions of the insured enterprises and individuals through their affiliated enterprises and related persons. Fourth, visit enterprises regularly to check their management level. The above working methods laid the foundation for my real, effective and responsible post-insurance supervision.

Second, the problems existing in the work

(1) I have been engaged in the guarantee work for a short time, and I have gained a lot through one year's practical experience in the guarantee process, and I have the ability to undertake and complete related projects. However, in the process of project evaluation, the research on unconventional direction is not comprehensive enough and needs to be further improved.

The ability to grasp deeper and more comprehensive risk factors.

(2) Not paying enough attention and patience to the economic loan guarantee for urban "one gang, one" and rural women's sheds. The main performance is that the completion level of the research report is not high and the logic is not strong.

Third, the focus of the next step

(A), strengthen service awareness and risk prevention awareness

In promoting the work of small loan guarantee, our department strengthens the awareness of service and risk prevention, and actively explores and innovates new methods and measures in combination with the characteristics of small loan guarantee customers. According to the basic situation of the insured enterprises and individuals, the evaluation standards and methods are specially formulated, the business processes of fast, efficient and as far as possible risk control are summarized, and some risk control measures and means are innovated.

(2) broaden your horizons and broaden your thinking.

While promoting micro-loan guarantee, we should closely cooperate with banks, combine the specific characteristics of the business projects insured by customers, focus on providing support for characteristic projects, realize the optimal allocation of credit resources, adjust our working ideas in time, broaden our horizons in finding high-quality customers, and extend the micro-loan guarantee business.

Four. conclusion

The above is my summary report on my work in the past year.

The insurance industry still has a long way to go. With the maturity of new business varieties and the broadening of horizons, I will, as always, keep in mind the purpose of serving small and medium-sized enterprises, work hard, fulfill my duties, and strive to be an outstanding member of the guarantee business army.