Does anyone know Baoheng Wanxing Financing Guarantee Co., Ltd.

Guizhou Baoheng Wanxing Financing Guarantee Co., Ltd. was established in the north of Kaiyuan Avenue, Kaili Economic Development Zone, Qiandongnan Prefecture, with a registered capital of 49 million yuan.

Guizhou Baoheng Wanxing Financing Guarantee Co., Ltd. is a service-oriented financing guarantee company, which mainly guarantees small and medium-sized enterprises and self-employed households in the service industry in Qiandongnan Prefecture. According to the reality of Qiandongnan Prefecture, it needs strong financial support to accelerate the development of advantageous enterprises such as service industry. The company closely relies on the service industry in Qiandongnan, and selects customers with good corporate fundamentals, high reputation, strong solvency and controllable risks to provide financing guarantee services. Baoheng Wanxing is based on the tertiary industry, innovating the guarantee mechanism, pushing banks to increase credit investment in the service industry, and building a service industry guarantee brand.

The company fully considered the role of microfinance in the service industry in Qiandongnan and its advantages in loan recommendation service, reached a strategic cooperation intention with Guiyang Bank Kaili Branch, and steadily expanded cooperation with other banks according to the demand of guarantee market, the company's strength and management level.

Two. Overview of the company's business development model

(a) the main guarantee service object:

The customers of guarantee services are mainly small and medium-sized enterprises in Qiandongnan Prefecture, which are in line with national industrial policies and have strong growth and development potential. The guaranteed enterprise is required to have competitive products in the market, good credit status and operating performance, and the financing purpose of the enterprise conforms to national laws and regulations, which can form good economic benefits.

(2) Main business types:

1. working capital loan guarantee: the company provides credit guarantee for the loan applied by small and medium-sized service enterprises in Quanzhou to the bank to solve the problem of insufficient working capital in the operation process, and the term does not exceed one year, so as to ensure that the debtor can repay the borrowed principal and interest and corresponding expenses in time according to the loan contract.

2. Loan guarantee for investment in fixed assets: The company provides credit guarantee for small and medium-sized service enterprises in Quanzhou to apply for loans from banks for investment in fixed assets and renovation of major equipment for a period of more than one year and less than five years, so as to ensure that the debtor can repay the loan principal and interest and corresponding expenses in time according to the loan contract.

3. Loan guarantee for project investment: The company provides credit guarantee for Quanzhou service industry small and medium-sized enterprises to apply for service project investment from the bank for more than 5 years, so as to ensure that the debtor can repay the borrowed principal and interest and corresponding expenses in time according to the loan contract.

4. Comprehensive credit guarantee: the guarantee that the company needs to provide for the working capital loan of small and medium-sized service enterprises in Quanzhou, including working capital revolving loan, bank acceptance bill, commercial acceptance bill, international settlement business project trade financing and other business guarantees.

5. Letter of guarantee business: including payment guarantee, advance payment guarantee, installment guarantee, refund guarantee, performance guarantee, etc.

6. Trade financing guarantee: The company provides import credit line, export letter of credit negotiation, export letter of credit package loan and other guarantees for the trade projects that Quanzhou service SMEs apply to banks.

(III) Overview of guarantee operation mode

Guizhou Baoheng Wanxing Financing Guarantee Co., Ltd. aims at small and medium-sized enterprises with development potential and good credit, establishes fast financing channels for small and medium-sized enterprises by establishing good cooperative relations with banks and other financial institutions, and invests in customers with market competitiveness with free funds on the basis of laws and regulations.

In the early stage, the company will closely rely on the service market to provide financing guarantee services for customers with normal operation, good efficiency, good reputation, strong solvency and controllable risks, and require enterprises, natural persons and spouses to bear unlimited joint liability, or entrust the guarantee company to take counter-guarantee measures such as mortgage (pledge) and counter-guarantee. In this way, the company will soon establish its own customer base. At the same time, due to different types of customers but similar development rules, we can constantly sum up experience in practice to form a unique analysis and identification system belonging to the service industry, selectively provide guarantee services for customers and reduce risks.

In the future, on the basis of consolidating the original market, the company will try to cooperate with industry associations to form a supporting operation mode of the industrial chain.

Third, the company's business philosophy

1. Strengthen personnel training and attach importance to vocational ability building.

In view of the situation that the company's business level needs to be improved in the initial stage, the company has intensified its business training for employees, and allowed employees to participate in further studies within the scope of conditions to continuously improve their business level. At the same time, the company regularly organizes employees to learn the theory of risk prevention and risk control, enhance their risk awareness, learn and master the necessary skills of risk identification and judgment, and combine them with practice in the operation of guarantee business to improve their business level and risk prevention and control ability.

In order to meet the business growth needs of the guarantee company, the company plans to set up the following teams in the future: 6 executives, 2 professionals and 4 other personnel, focusing on increasing the quality and quantity of professionals and ordinary employees. The company's human resources will be rationally allocated in terms of professional level and professional structure, and various talents will be developed.

2. Identify the target customers and determine the business direction.

According to the actual situation, Baoheng Wanxing Financing Guarantee Co., Ltd. aims at developing the most valuable credit guarantee customers, maintains close relations with bank credit departments, industry associations and government departments, and obtains extensive customer resources. And through their own publicity, explore potential customer groups.

At present, the institutional environment and market environment faced by guarantee institutions are imperfect, which leads to the immaturity and uncertainty of guarantee business itself. Baoheng Wanxing Financing Guarantee Co., Ltd. has formulated a perfect management system and established a complete business system to solve the above uncertainties. At the same time, it has formulated a medium-and long-term development plan with "customer first" as the ultimate goal.

3. Strengthen and standardize risk management.

Baoheng Wanxing Financing Guarantee Co., Ltd. aims at the financing guarantee of small and medium-sized enterprises mainly in service industry. The company will continue to focus on improving the actual risk prevention operation, and at the same time, according to its own service industry guarantee experience, develop a risk prevention identification system belonging to the service industry to better control risks. In the course of business, the company conducts research and tracking on the guaranteed objects before, during and after the guarantee, so as to grasp the first-hand information of customers in time and reduce market risks. In addition, we should also pay attention to the establishment of mutual insurance system and scientific counter-guarantee measures.