Business model and development direction of financing guarantee company

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20 10 business development plan of guarantee company

Since its establishment, XXX Guarantee Co., Ltd., with the strong support of XXX government, quickly set up a team and actively participated in the process of serving small and medium-sized enterprises. Through the joint efforts of all employees of the company, as of June 65438+February 3, 20091,financing guarantee has been provided for XX enterprise, with a total guarantee amount of XX million yuan. In order to expand the business field and expand the scale of financing platform, the service level of the company can be improved to a greater extent in the next stage. We have made a development plan for the work after the restructuring of 20 10.

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

I. Market background

Small and medium-sized enterprises are the mainstay of Shanxi's economy. 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. 50% of local GDP, 40% of fiscal revenue, 40% of total social employment and more than 80% of urban and rural new jobs are created and provided by small and medium-sized enterprises, which play the role of "booster" for economic development and "reservoir" for employment in Shanxi Province. However, for a long time, financing bottleneck has become a stumbling block for the development of small and medium-sized enterprises due to its own reasons such as irregular financing, opaque information and insufficient mortgage. According to the survey statistics, 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 due to unfulfilled mortgage is as high as 33.3%, accounting for 57. 1% in total. Due to the influence of SMEs themselves and various factors, the loan success rate is less than 50%. The difficulty of financing seriously affects and restricts the further development of small and medium-sized enterprises, and the difficulty of guarantee is the primary reason why small and medium-sized enterprises are difficult to obtain financing from banks.

Second, the development status of SME credit guarantee industry

After 10 years of development, the credit guarantee industry of small and medium-sized enterprises in China has developed from an initial institution to a new sunrise industry. Mainly reflected in the following aspects:

1. The credit guarantee system for small and medium-sized enterprises in China has changed from the initial government-led to market-led and government-led. The key function of the government is to establish a compensation mechanism and effectively allocate credit resources. The government's policy guidance has activated a large number of private funds to invest in the guarantee industry, and the marketization process of the guarantee industry has obviously accelerated, and private guarantee institutions have gradually occupied a dominant position in the market.

2. China's SME credit guarantee institutions have increased their capital strength, innovated their business varieties, specialized their teams, and steadily improved their overall quality. After 10 years of development, some guarantee institutions have continuously strengthened their financial strength, built professional teams, improved risk management mechanisms, and gradually built brand advantages.

3. China's SME credit guarantee institutions have significant corporate and social benefits in supporting the development of SMEs. For a long time, small and medium-sized enterprise guarantee institutions have taken financing guarantee for small and medium-sized enterprises as their responsibility, constantly improved their credit capacity, enhanced their ability to obtain loans from financial institutions, and promoted local economic development, and gradually formed a long-term mechanism of enterprise credit building, government credit investigation, professional credit evaluation, institutional credit granting and social credit re-trust.

Of course, due to the differences in financial strength, management level, risk control mechanism and market development, the development between different regions and different companies is unbalanced. Taking Taiyuan as an example, by the end of 2009, there were 47 financing guarantee institutions in the city, with 657 employees and registered capital of 65.438+0.48 billion yuan. Providing guarantees for 9390 small and medium-sized enterprises with a total amount of 5.9 billion yuan; According to incomplete statistics, in 2009, a total of 533 small and medium-sized enterprises in our city obtained bank loans through guarantees, and the total number of enterprises that obtained loans only accounted for 1% of the total number of small and medium-sized enterprises in our city. Judging from this figure, the guarantee industry in our city is in urgent need of development.

Third, the development status of our company

Taiyuan Minsheng Investment Guarantee Co., Ltd. has a registered capital of 56 million yuan, which was jointly funded by Taiyuan Municipal Government and some high-quality small and medium-sized enterprises. The purpose of establishing the company is to "actively respond to the impact of the international financial crisis, focus on solving the problems of difficult loans and expensive financing for small and medium-sized enterprises in Taiyuan, and promote the healthy development of small and medium-sized enterprises in Taiyuan". The company introduced the advanced management mode of Minsheng Bank Taiyuan Branch, which initiated the joint participation of the government, enterprises and banks in the guarantee industry in our province. At present, the company is mainly engaged in the business of "commercial loan connection" of Taiyuan Branch of Minsheng Bank. After three months of operation, satisfactory results have been achieved, but some problems have also 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 problems are that the company has just been established, personnel need to run in, and system construction takes time. I believe that the company will soon be on the right track and develop rapidly in the near future.

The second part is the development idea of the company in 20 10.

In 20 10, with the strong support of relevant government departments, our company will continue to strengthen cooperation with Taiyuan Branch of Minsheng Bank, form a more stable strategic cooperative relationship, conduct in-depth discussions with Taiyuan SME Entrepreneurship Service Center and County Service Center, explore the establishment of a green channel for SME financing guarantee services, strengthen team and system construction, strictly control business risks, and establish corporate brands. On this basis, we will gradually improve the functions, straighten out the system, standardize the operation, diversify the development, increase capital and shares in a planned way, and actively create listing conditions. The specific objectives and plans are as follows:

I. Business Development

(A) the overall framework

Business framework

Guarantee business, investment business and other businesses

(B) ideas and objectives of enterprise development

1, guarantee business

Continue to connect with the products of Minsheng Bank Taiyuan Branch, actively strive for the credit line of Minsheng Bank Taiyuan Branch, and use up the registered capital of 56 million yuan. Target task =5600× 10 times = 560 million yuan.

2. Investment business

Follow the principle of safety and stability, start with short-term investment and gradually extend to medium-and long-term investment. Short-term investment takes the guarantee business as a platform, and cooperates with Minsheng Bank Taiyuan Branch to carry out short-term lending, bridge loan, entrusted investment and other businesses; The medium and long-term investment is mainly through obtaining the relevant information of government-led projects and supporting projects of Taiyuan Municipal Government, selecting projects suitable for our company to participate in and actively striving for them. As the guarantee business needs to be carried out in the bank that receives the deposit, the source of funds for the investment business is the deposit deposited by the customer in our company's account. According to the interest rate of 5%, 56,000× 5% = 28 million yuan. Excluding the one-time investment expenses such as house leasing, decoration and purchase of fixed assets, and the office expenses to ensure the normal operation of the company, the amount available for investment is about 20 million yuan. 80% of this business division is completed at the company level, and the remaining 20% is the division between business centers.

3. Other businesses

Other businesses include margin interest and income from derivative services.

(3) Profit measurement

1, annual operating profit

(1) guarantee business

Calculated at the uniform rate of 3%, the guarantee business income = 56,000× 3% =16.8 million yuan.

(2) Investment business

According to the expected annual income 15%, the guarantee business income = 2000×15% = 3 million yuan.

(3) Other businesses

Margin interest = 5600× 2.25% = 1.26 million yuan.

Total of three items =1680+300+126 = 210.06 million yuan.

2. Annual operating expenses

(1) rent

At present, the office location has not been determined, and the rent is estimated to be 6,543,800+0,000 yuan/year according to the business volume.

(2) Decoration expenses

If the business area is 2200m2, and the decoration cost is 500 yuan/m2, the decoration cost is = 2200×500 = 165438+ ten thousand yuan. Amortize by 10 year, and the annual amortization expense is 1 10000 yuan.

(3) Employee compensation

There are currently 24 employees. According to the business development, it is estimated that two departments need to be added, 1 1 staff. The company will have 35 employees, with an average monthly salary of 4,000 yuan, plus business commission, benefits and insurance, with an annual salary of about 3.87 million yuan (including salary = 35× 0.4× 10), performance commission1680× 8% =1350,000 yuan, and insurance/kloc.

(4) Depreciation of fixed assets

Fixed assets, including system development, vehicles, computers, printers, photocopiers, office desks and chairs, are estimated to be 6,543,800+3,000 yuan, amortized on average for five years, and the annual depreciation expense is about 260,000 yuan.

(5) Office expenses

Office consumables, business entertainment expenses, vehicle use fees, travel expenses, legal consulting fees, financial consulting fees, communication fees, training fees, etc. They are about 6.5438+0.2 million yuan respectively.

(6) The board fee1-200,000 yuan, and the project review fee is 554.38+0,000 yuan.

(7) Risk reserve

The risk reserve is accrued according to 0.5% of the guarantee amount of 560 million yuan, and the risk reserve = 56,000× 0.5% = 2.8 million yuan.

(8) Unexpired liability reserve

1680× 30% = 5.04 million yuan

(9) Business taxes and surcharges

2106× 5.625% =1180,000 yuan.

The above expenses, expenses and taxes total about15.76 million yuan.

3. Total profit

Profit = revenue-expense = 2106-1576 = 5.2 million yuan.

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

Capital profit rate =390/5600=7%

Second, the capital increase and share expansion plan

On 20 10, the company plans to increase its capital by further absorbing high-quality small and medium-sized enterprises with a sense of identity and natural persons with good credit standing, so as to increase its guarantee capacity. There are two ways to attract shareholders: one is recommended by Minsheng Bank, and the other is to select from the customers contacted by our company. It is planned to increase the capital to 200 million this year.

The third part is the 20 10 goal promotion plan and its implementation measures.

First, the goal promotion plan

20 10 is a year when Taiyuan branch of Minsheng Bank vigorously promoted the business of "commercial loan link". The branch of the branch has a heavy task, so the business volume recommended by the branch to our company should be sustained and stable. However, influenced by the laws of small and medium-sized enterprises, they spend less money at the beginning of the year and more at the end of the year. According to this principle, the annual task indicators formulated by the company are decomposed by the central quarter. Please refer to the following table:

Unit of Amount: RMB 10,000 Yuan

Quarterly task

Total business units in the first quarter, second quarter, third quarter and fourth quarter of the year

A center 300035003500400 14000

Second Center 300035003500400 14000

The third center 300035003500400 14000

Four centers 300035003500400 14000

Total 12000

14000

14000

1600056000

On this basis, according to the overall arrangement of the company, each business center needs to complete the net investment income of 6.5438+0.5 million yuan, accounting for 20% of the company's total investment income.

Second, the measures to achieve the goal

1. Strengthen the company's hardware construction.

(1) Planning and Construction of Modern Office Space

At present, our company has 8 departments, 22 employees and 8 computers (only 3 of them have Internet access). So many departments and personnel are crowded in one office, which is easy to cause mutual influence among personnel, low efficiency, far from meeting the needs of business development, and bad external image, which is not conducive to long-term development. In 20 10, the company will plan to build a business place with an area of 2,200 square meters, which can meet the needs of modern office and be equipped with a series of office equipment suitable for business development.

(2) solving traffic problems

As the front desk department, the business center needs to go out frequently, investigate customers in advance, and implement them in the process. post supervision, middle and back office departments also need to go out to handle affairs. At present, the company has not purchased 65,438+0 vehicles. Although each department has taken different measures to solve this problem temporarily, it is not conducive to the long-term development of the company. 20 10 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

Taking the company's establishment as the guiding ideology and the company's planning as the task index, we should be in line with the domestic first-class guarantee enterprises, and establish a professional team with the courage to explore, dare to innovate, be proficient in business, be efficient in service, have the spirit of hard work and be honest and trustworthy, and fully reflect our own value on the basis of meeting the requirements of the government, banks and shareholders.

B. Organizational structure of the company

See the organization chart of the company. The difference is that the legal position has been added in the risk management department.

C, institutional responsibilities and post setting

general manager

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

Strategic Planning Committee (2 persons)

Explore and study the company's major development strategies, integrate and allocate social resources, and plan major projects and market development plans; Responsible for product scheme design and project risk analysis, and put forward guiding suggestions and operation schemes for the company's development; Investment business operation.

Risk Review Committee (2 persons)

Study on risk control measures; Participate in business review.

Responsibilities of General Management Department (3 persons)

Coordinate the company's development strategy and planning; Planning and management of the company's external publicity; Comprehensive coordination work inside and outside the company; Daily affairs management of the company; Manage administrative affairs, such as human resources, logistics support and business files.

Responsibilities of Finance Department (2 persons)

Daily accounting, financial management, capital operation and budget management of the company.

Risk Management Department (5 persons)

To formulate the company's business management, operational norms and risk control system; Credit evaluation of the company's business; Professional audit of the company's business; Assess the risks of the company's business; Responsible for drafting and reviewing relevant legal texts; Responsible for the implementation of counter-guarantee measures; Responsible for company litigation arbitration and legal affairs of rights protection; Responsible for the supervision of post-insurance business.

Guarantee business department (20 people, divided into 4 business centers, 5 people in each center)

Responsible for the acceptance and investigation of guarantee business; Accept customers' inquiries about guarantee business; Sign relevant contracts; Follow-up survey after insurance.

According to the above deployment, at present, our company lacks two institutions, namely, the strategic planning committee and the risk review committee, three positions in the risk management department and six business personnel in the business center. In order to ensure that all departments can successfully complete the objectives and tasks in 20 10, our company will openly recruit employees for the whole society according to job requirements.

(2) Strengthen the system construction.

A, scientifically set up business processes.

Scientific business processes can effectively control business processes, so that different business personnel in different departments can clearly distinguish their responsibilities, supervise each other, and jointly guard against risks, thus further improving our work efficiency. If conditions permit, we can design a networked office mode with the help of scientific and technological means, and complete the acceptance, writing, review, approval and filing of investigation projects (reports) step by step through the network system;

B, establish a scientific risk assessment system

The operation risk of the guarantee industry is high, which is out of proportion to its profit. This requires us to reduce payout ratio to a very low level, otherwise it will be difficult for us to survive. The establishment of risk assessment system can quantitatively assess the risks of insurance companies and reduce human errors. The company's risk assessment system is constructed by combining internal and external methods. Within the company, the risk management department adopts scientific calculation methods according to relevant regulations, and cooperates with qualified rating companies outside the company to jointly complete the risk assessment of customers.

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

On the basis of summarizing the previous work, organize relevant experts to formulate a set of legal, effective and operable forms of counter-guarantee and clarify relevant implementation methods. Strive for the business manager to make the risk of counter-guarantee measures corresponding to each project controllable, operable when implementing and acceptable when negotiating with customers when planning the counter-guarantee scheme;

D. establish a post-insurance supervision mechanism.

The underwriting business is classified according to the quality, different countermeasures are formulated according to different classification results, and different means are adopted to effectively ensure that each guarantee does not have bad debts, dormant accounts and bad debts, and even if there is danger, the losses are minimized. At the same time, dynamically supervise the implementation of the counter-guarantee scheme to prevent it from becoming a mere formality.

E, establish a scientific personnel management system.

Including personnel recruitment, employment, incentives, rewards and punishments, responsibility, business assessment, etc. Scientific personnel management system can maximize the potential of employees, mobilize their enthusiasm, control risks within a certain framework and strengthen management.

At present, our company has completed the establishment and trial operation of the above system. 20 10 we will improve the above system on the basis of summing up experience in order to better carry out business and control risks.

(3) Strengthen the brand building of the company.

Pay attention to corporate image and public relations, and 20 10 will gradually shape the corporate image with the people's livelihood protection brand as the core. Specific publicity means include:

First, the use of various conferences, seminars, training courses and other activities to carry out publicity, improve the visibility of people's livelihood security in the industry, expand influence.

B cooperate with the news media, publish relevant publicity articles, corporate image advertisements, guarantee services and investment introductions in various ways, organize various publicity and education activities, and create a good public opinion influence.

C, print corporate image brochures, publicity color pages and promotional videos, print leaflets according to the types of guarantee business, and distribute them to target user groups, banks, real estate agents, commodity dealers and intermediaries. And will compile and distribute media reports on the company.

D, according to the need, the company will hold a press conference in due course, and report in relevant newspapers and magazines, and a special person will be responsible for continuing this effective work.

3. Regularly assess the completion of business, find problems in time, and determine solutions to problems to ensure the smooth completion of annual task indicators.

This development plan is put forward on the basis of summarizing the previous stage of work, which is in line with the objective situation and has certain guiding significance for the next stage of work. It is hoped that all departments and members of the company will seriously understand and strive to exceed the task indicators ahead of schedule on the basis of controlling business risks.