Requesting a copy of the year-end work summary of the guarantee industry (credit guarantee for small and medium-sized enterprises)

**Work Summary of Small and Medium Enterprises Credit Guarantee Company

* Small and Medium Enterprises Credit Guarantee Co., Ltd. is a professional guarantee institution invested and established by the government, with a registered capital of 380 million yuan. Since its establishment in 1999, the company has aimed to serve the local economy and support the development of local small and medium-sized enterprises, adhere to policy guidance, corporate management, and market-oriented operations. It has provided a total of 7.3 billion yuan in guarantees for local small and medium-sized enterprises and supported more than 1,800 enterprises. . In 2006, the company was rated as AA-level credit by China United Credit Rating Corporation, and was named one of the top ten most influential guarantee institutions in the country by the National Joint Conference of Guarantee Institutions hosted by the National Development and Reform Commission.

Financing difficulties for small and medium-sized enterprises is a common problem. Just like all parts of the country, the rapid development of small and medium-sized enterprises in ** is also troubled by funding problems. Over the years, the ** Municipal Party Committee and Municipal Government have always attached great importance to the development of small and medium-sized enterprises, and have successively introduced a series of major measures, including pilot projects for financing of small and medium-sized enterprises, the construction of credit systems and guarantee systems, and the establishment of larger and stronger policy guarantee institutions that play a leading role. wait. China Development Bank Sichuan Branch actively serves the local economy, gives full play to the role of development finance in solving "difficulties" and "hot spots" in the local economy, boldly explores and innovates, and takes the lead in the banking industry to cooperate with local governments to carry out loan business for small and medium-sized enterprises and promote Construction of credit system and financing guarantee system. This initiative has opened up a new way to solve the financing difficulties of local small and medium-sized enterprises in **, and is of great significance to the development of local economies in **, especially county economies. **As the largest local policy guarantee institution, the Small and Medium Enterprises Guarantee Company, with the care and support of the Municipal Party Committee and Municipal Government, and the guidance and help of the Municipal Small and Medium Enterprises Bureau, has worked closely with the Sichuan Branch of the Development Bank, various district and county governments and platforms Cooperate with companies, seize opportunities, be pragmatic and innovative, give full play to the leading role of municipal platform companies, make full use of developmental financial resources, support the development of local small and medium-sized enterprises, and achieve significant results in the financing guarantee work of development finance supporting small and medium-sized enterprises.

1. Basic situation

** The cooperation between the Small and Medium Enterprises Guarantee Company and the Sichuan Branch of the Development Bank to carry out financing guarantee work for small and medium-sized enterprises officially started in October 2004, with Xinjin County as one of the first batch The pilot county signed a cooperation agreement with the Development Bank and received a credit of 50 million yuan. In December 2004, the first batch of 12 million loans to 10 enterprises were granted. After nearly a year of piloting, full-scale promotion to other districts and counties began in early 2006. By the end of 2006, 20 districts, cities and counties in the city had signed cooperation agreements with the Development Bank, with a total loan amount of 2.2 billion yuan. Among them, 14 districts and counties including Xinjin, High-tech Zone, Jinniu District and Shuangliu have started business normally, and the first batch of loans in another 3 districts and counties are being implemented. In addition, the Sichuan Branch of the Development Bank and the ** Small and Medium Enterprises Guarantee Company signed financing guarantee cooperation agreements with the Tianfu Software Park of the High-tech Zone, Shuangliu Jiaolong Industrial Port, and Qingyang District Industrial Concentrated Development Zone (Western District) respectively, with an agreement amount of 400 million yuan. At the same time, ** Small and Medium Enterprises Guarantee Company increased its registered capital through a soft loan support of 100 million yuan from the Development Bank, further consolidating its guarantee capital strength. After about two years of operation, the Development Bank has issued a total of more than 600 million yuan in loans to small and medium-sized enterprises, of which 177 new customers were added in 2006 alone, with a loan scale of 478 million yuan.

In the past two years, with the joint efforts of the Sichuan Branch of the Development Bank, the National Small and Medium Enterprises Guarantee Company, the district and county government platform companies and small and medium-sized enterprises, development finance has made great progress in supporting small and medium-sized enterprise loans. Remarkable results. The overall sales scale, profits and taxes, and labor and employment levels of small and medium-sized enterprises that received loan support have increased significantly, which has promoted the growth of small and medium-sized enterprises and promoted county economic development. Taking Xinjin County as an example, the operating income of the 18 companies that received loan support increased by an average of 18%, the total incoming taxes increased by 12 million yuan compared with the same period last year, and 1,200 rural laborers and laid-off urban workers were resettled. Among the 18 enterprises that received loans, 2 were newly cultivated with tax revenue exceeding one million yuan, and 3 were newly cultivated with enterprises above designated size.

In 2006, the 29 enterprises in Shuangliu County that received CDB loan support saw their incoming taxes increase by an average of 54.48% compared with previous years, which is 32 percentage points higher than the county average. Affected by the deterioration of the financial ecology, financial institutions in Jintang and Pujiang counties, which are relatively backward in economic development, have not added new loans to the area for many years, and the development of small and medium-sized enterprises has been severely restricted by a shortage of funds. Through the Development Bank's small and medium-sized enterprise financing platform, 6 enterprises in Jintang and 5 in Pujiang obtained CDB loans, achieving a "zero" breakthrough in the financing guarantee business of guarantee companies in these two districts and counties.

At present, the SME financing platform and network system composed of the city and county levels of CDB's SME financing guarantee have been established, and the system and operating mechanism have been basically established and initially improved. It has been operating normally for the past two years, and no loan has been overdue. While many enterprises have received loan support, their management standards and standards have improved, and their awareness of integrity has been significantly enhanced. Development finance's support for small and medium-sized enterprise loans has played a demonstration and leading role in the financial industry. Many bank branches have been led by it to focus on new business growth points in small and medium-sized enterprise projects. A number of financial branches are in contact with our company to discuss how to learn from the experience and operating model of development finance in supporting small and medium-sized enterprises and establish long-term and stable cooperative relationships with our company.

2. Operational model

1. Development Bank SME financing platform organization and loan model

First, each district and county established a Development Bank SME financing leading group. It also funded the establishment of a government-invested platform company and selected a local financial branch as an entrusted loan bank. The district and county platform companies work under the guidance of the local financing leading group. They are responsible for the preliminary selection and recommendation of financing enterprises. They serve as borrowers to lend money to development banks and as principals, they re-lend loans to small and medium-sized enterprises through entrusted banks. They are responsible for post-loan management and Principal and interest recovery. **As a municipal platform company, the Small and Medium Enterprises Guarantee Company is responsible for investigating and evaluating enterprises recommended by districts and counties. As a guarantor, it provides guarantees for district and county platform companies’ loans from development banks. It also provides guarantees for district and county platform companies to issue entrusted loans to enterprises. .

The main loan models include three methods: platform company unified loan and guarantee by the guarantee company; direct borrowing by the enterprise and guarantee by the guarantee company; borrowing by the platform company and joint guarantee by the borrowing company. The basic model is that the platform company provides unified loans and the guarantee company guarantees them.

Currently, the Development Bank loan interest rate is 10% higher than the benchmark interest rate, and the guarantee fee of the guarantee company is charged at 1.5% of the annual guarantee amount. The total handling fees of district and county platform companies and entrusted banks are 0.4-1.

2. Operational mechanism of the Development Bank’s cooperative small and medium-sized enterprise loan business

The Development Bank’s small and medium-sized enterprise loan has mainly established three operating mechanisms, namely, democratic evaluation mechanism, risk sharing mechanism, and risk control mechanism. .

Democratic evaluation mechanism: Each district and county sets up a democratic evaluation group for loan enterprises, and selects democratic evaluation personnel who are familiar with the enterprise or industry to evaluate the enterprises recommended by the district and county to improve the fairness and efficiency of review decisions. Enterprises that pass democratic evaluation are then recommended to guarantee companies and development banks.

Risk sharing mechanism: For projects with bundled loans by borrowing platforms, if a loss occurs, the **SME Guarantee Company shall bear 70% of the loan loss, the development bank shall bear 18% of the loss, and the district and county platform company shall bear 18% of the loss. 12. The Development Bank requires platform companies in all districts and counties to deposit a risk deposit of 10-12% for bundled loans with the Development Bank. For projects with direct corporate loans and guarantees provided by guarantee companies, the Development Bank will not implement risk sharing for the time being.

Risk control mechanism: Build a risk control mechanism in which development banks, guarantee companies, local governments and platform companies, entrusted lending banks, and small and medium-sized enterprise credit promotion associations jointly participate. Risks are not only controlled for a certain enterprise or a certain link, but mainly through the linkage of all parties, organizational advantages and system construction to implement risk management. For example, the Development Bank does not investigate specific enterprises, but mainly relies on democratic evaluation conclusions, guarantee company review investigations and corporate financial audit results as the basis for evaluation.

3. Main practices

1. Strengthen service awareness and risk prevention awareness, innovate working methods and measures

** Small and medium-sized enterprise guarantee companies are promoting cooperation with development banks In the work of financing guarantee for small and medium-sized enterprises, we should strengthen the awareness of service and risk prevention, and actively explore and innovate new methods and measures for guarantee work based on the characteristics of CDB's financing work for small and medium-sized enterprises. Based on the basic situation of small and medium-sized enterprises in each district and county and the characteristics of CDB's unified loan business, the company has specially formulated evaluation standards and methods for financing enterprises, designed operating procedures that are fast and efficient and control risks as much as possible, and innovated some risk control measures and means. And provide preferential treatment to CDB loan enterprise guarantee fees. For example, we intervened in advance to conduct preliminary qualitative checks during the democratic evaluation stage of enterprises in various districts and counties, which improved the approval rate and efficiency of projects recommended by districts and counties; when reviewing software companies, high-tech startups, and agricultural industrialization companies, we According to the characteristics of the respective industries, appropriate adjustments are made in the investigation focus, evaluation methods, and evaluation indicators. The company's guarantee support methods for high-tech enterprises are gradually improved by exploring methods such as credit limit control, setting technology access conditions, and online publicity. ; In view of the fact that many small and medium-sized enterprises do not have physical counter-guarantee measures, we take advantage of the linkage mechanism of risk control and cooperate with the local government to supervise their land, projects under construction, corporate inventories and other assets that have not yet obtained land certificates, and innovate counter-guarantee measure. The company mainly focuses on the unified lending method of platform companies to increase the overall coverage of financing services for small and medium-sized enterprises. At the same time, it strives to obtain direct loans for individual outstanding projects that have a demonstration and driving role in key industries, and adopts a combination of points and areas to support enterprises in various ways.

2. Optimize the allocation of guarantee resources based on the characteristics of the regional economy and industrial clusters in districts, cities and counties

While promoting the financing guarantee work for small and medium-sized enterprises in development finance, we have closely cooperated with the Development Bank , combining the characteristics of local county economies and advantageous industries, focusing on providing support for key industries and characteristic industries, striving to maximize the effectiveness of developmental financial resources in supporting small and medium-sized enterprises, and achieving the optimal allocation of credit resources. In the High-tech Zone and Qingyang District, we have focused on supporting electronic information and software companies, precision mold manufacturing companies, and biopharmaceutical companies; in Pixian County and Dujiangyan, we have focused on supporting Douban production companies and farmhouse projects respectively. In Pujiang and Jintang, we focus our support on projects of leading enterprises in agricultural industrialization. In Wuhou and Chongzhou, support is provided to enterprises based on the characteristics of the leather shoe, leather, and furniture industry clusters in the region. In addition, we also provide support to Taiwan-funded enterprises, entrepreneurial enterprises returned from overseas studies, and micro and small enterprises in accordance with the work priorities of each district and county government and the Development Bank at each stage. As industries are concentrated in parks, industrial parks in various places are booming, and more advantageous industries and high-quality customers are gathering in the parks. We adjusted our work ideas in a timely manner, broadened our horizons in finding high-quality customers, and extended the financing guarantee service system for development finance small and medium-sized enterprises to industrial parks. Since April 2006, CDB and guarantee companies have successively signed cooperation agreements with Jiaolong Industrial Port, Tianfu Software Industrial Park, and Qingyang Industrial Concentrated Development Zone. Currently, many projects recommended by the park have been supported by CDB loans.

3. Establish the concept of "big guarantee", give full play to the leading role of municipal platform companies, and actively promote the construction of the credit guarantee system. In vigorously promoting the financing guarantee work of small and medium-sized enterprises in cooperation with CDB, ** Small and medium-sized enterprise guarantee companies have always established The concept of "big guarantee" gives full play to the company's leading role as a municipal platform company and actively promotes the construction of a financing guarantee system for small and medium-sized enterprises in development finance. On the one hand, we apply the "big guarantee" idea to solve specific problems in project development, risk control, and external cooperation, and grasp risks and promote work through the advantages of systems, systems, and linkage mechanisms; on the other hand, the guarantee industry Sustained and healthy development also relies on the improvement of the credit guarantee system and the establishment of long-term mechanisms. We must use the concept of "big guarantee" to promote the construction of a financing guarantee system for small and medium-sized enterprises in development finance.

We work closely with the city, district and county financing leading groups, and strengthen communication with enterprises, governments, and entrusted loan banks through credit promotion associations, democratic councils, various symposiums and training sessions, and provide Enterprises promote awareness of integrity, introduce our concepts, standards and processes to all parties involved in CDB's small and medium-sized enterprise loan work, and improve linkage efficiency. In order to improve efficiency and prevent risks, the company has also established a regular work exchange and communication mechanism with the Development Bank Sichuan Branch. In order to better connect the company's work with the districts and counties, starting from 2006, the company divided the responsibilities of business departments according to districts and counties, and determined the corresponding liaison personnel in each district and county. We strengthen communication with construction companies in various districts and counties through business training and other methods. We often investigate projects with the staff of construction companies in various districts and counties and exchange and discuss suggestions for work. Through training, exchanges and practice, the overall work quality and efficiency of many district and county platform companies have been greatly improved. Promoted the development of CDB’s overall work on financing guarantees for small and medium-sized enterprises. At present, through the close cooperation and joint efforts of all parties, a development finance SME financing guarantee system with "four-party linkage" of the government, banks, guarantee companies and SMEs has been initially formed, effectively alleviating the financing difficulties of SMEs in our city. , Promote the development of small and medium-sized enterprises and local economies.

IV. Existing Problems and Suggestions

Summary and review of the two years of cooperation with the Development Bank to support the financing guarantee work of small and medium-sized enterprises, there are still some obvious problems, mainly reflected in:

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1. Some districts and counties have not done enough to promote work, the quality of recommended projects needs to be improved, and post-loan management work is still weak.

2. Due to the CDB’s lean staff, small manpower and heavy tasks, it takes a long time for CDB’s unified loan projects to be submitted for approval, and the overall efficiency needs to be improved.

3. Due to various aspects of financing guarantee, the financing cost of small and medium-sized enterprises is still relatively high.

4. Development Bank loans have a single term and variety, which cannot yet meet the diverse financing needs of small and medium-sized enterprises.

It is recommended that the development bank can introduce more loan varieties in the future, give full play to the capital cost advantage of development finance to support small and medium-sized enterprises, and provide more favorable interest rate support to small and medium-sized enterprises.

There is still a long way to go to solve the financing problems of small and medium-sized enterprises. **The SME Guarantee Company will, as always, keep in mind the purpose of serving SMEs, play the leading role of the municipal government platform company, and closely cooperate with the Sichuan Branch of the Development Bank and the SME management departments and platform companies of various district and county governments, *** At the same time, we will create a new situation for development finance to support the financing guarantee work of small and medium-sized enterprises.

Summary of the work of the Guarantee Center in 2008

In 2008, under the scientific guidance of the leadership of the Industrial Bureau, and with the full support of the Capital Guarantee Company, the Fangshan Branch of Capital Guarantee, under the guidance of relevant departments With strong assistance, we have overcome the unfavorable situation of international financial turmoil, domestic economic decline, and increased risks in the guarantee industry. With the purpose of serving enterprises, we have strengthened risk control, strengthened management, and pioneered and innovated, which has greatly alleviated the financing difficulties of small and medium-sized enterprises in our region. , and maintain its steady development.

——Completion of guarantee business

This year, Fangshan Branch approved 136 guarantee projects, with an approved amount of 596.75 million yuan; of which 135 projects were in place, with an amount of 396.75 million yuan; The number of guarantees and the amount of guarantees increased by 32 and 27 respectively compared with last year. A total of 287 guaranteed projects have been approved, with an approved guarantee amount of 1,122.14 million yuan; of which 283 projects have been put in place, with a guaranteed amount of 822.14 million yuan; 121 projects are under guarantee, with an insured amount of 384.45 million yuan, and 162 projects have been released from guarantee liability, and the guarantee has been released The amount is 437.69 million yuan. All tasks set at the beginning of the year were exceeded.

Under the guidance of the "Strong Industrial District" strategy, among the projects undertaken, 189 were industrial projects, accounting for 66.7% of the total; agricultural, commercial, and other projects accounted for 2.4%, 13.1%, and 16.9% of the total, respectively, showing that The focus of support from guaranteed funds. The guarantee capital has increased from 10 million yuan at the beginning of establishment to 50 million yuan, and the guarantee strength has been enhanced.

——Mainly done the following aspects of work

1. In-depth grassroots investigation and research, and strive to develop project sources

At present, the project sources of Fangshan Branch mainly come from Three channels: first, bank recommendation, second, township and district department recommendation, and third, self-recommendation and mutual recommendation between enterprises. Due to limited channels, some companies still don't know about Fangshan Branch. In order to increase publicity, in the first half of the year, under the organization of the Industrial Bureau, business personnel were divided into four groups to conduct research in villages, towns and development zones. The research activities played a publicity role.

In order to support the construction of the park, business personnel were organized to take the initiative. In April, they visited 26 enterprises in the park, conducted a thorough investigation of the company's capital needs, and distributed guarantee business promotional materials. Currently, 9 enterprises have entered the park. Provided guaranteed loans with an insured amount of RMB 72 million.

2. Strengthen bank cooperation and reduce corporate financing costs

Fangshan Branch actively develops good cooperative relations with Bank of Beijing and Beijing Rural Commercial Bank, and its business covers the above two banks There are more than 20 branches covering the entire administrative area of ??our district, which greatly facilitates local enterprises. In order to solve the timeliness of corporate financing, a "Bank-Guarantee Cooperation Party" was organized in June this year to proactively carry out business exchanges with cooperative banks, introduce each other's business operation procedures, and solve practical work problems. Through communication, business operations are made smoother, and corporate financing processing speeds up. The processing time has increased from about one month in the initial stage of business to now being able to provide loans in as fast as three days.

In order to reduce corporate financing costs, Fangshan Branch took advantage of its good credit advantages and numerous guaranteed customer resources. After many negotiations with banks, the bank loan interest rate was controlled within 10%. In addition, the branch took the initiative to reduce the guarantee fee and review fee standards, and the overall rate dropped from the original 1.5 to 1.15; it coordinated with the notary office to reduce the notary fee, which fully reflected the Fangshan Branch's purpose of fully serving enterprises and promoting economic development.

3. Strengthen risk management and improve system construction

Guarantee is a high-risk industry. In order to reduce guarantee risks, the following three measures have been taken.

(1) Taking the amendment of the constitution as the starting point to establish a comprehensive review system

In order to reduce guarantee risks, we must pay close attention to personnel management and system construction, and strictly implement the "Business Review System", A series of rules and regulations such as the "Monitoring and Management System for Projects under Guarantee", the "Management System for Overdue and Compensated Projects", and the "Project Manager Responsibility System". Risk control includes pre-guarantee review, guarantee management and post-compensation recovery, covering the entire business process.

The project inspection adopts the A and B corner rotation system to make the inspection results more accurate and comprehensive. The "Judge Committee System" is implemented for project review. This year, 19 review meetings were held, 125 projects were presented at the meeting, 122 projects passed the review, and the guarantee amount was adjusted for many projects. The "Judge Committee System" makes the project review open and transparent, and improves the objectivity and scientificity of project decision-making.

(2) Actively explore scientific and effective counter-guarantee programs to control guarantee risks. The counter-guarantee measures are formulated with the purpose of controlling the core assets of the enterprise and the assets of core individuals. The guarantee measures have gradually increased from personal unlimited joint liability and property mortgage in the early stages of business development to leasehold right pledge, chattel pledge, operating right pledge, certificate supervision and other counter-guarantee measures. The increase in the types of guarantee measures and counter-guarantees will increase the cost of default and strengthen the ability to control counter-guarantees.

(3) Strengthen insuring monitoring and implement on-site inspections

Post-loan monitoring of insuring projects is one of the effective ways to reduce risks. Post-loan monitoring mainly adopts the following methods: 1) Communicate with banks to understand abnormal changes in corporate capital flows. 2) Understand the current situation of the enterprise through various channels in society. 3) Collect corporate financial statements regularly. 4) Implement on-site inspections of guaranteed projects, check financial accounts, production status, sales status, and whether there are any changes in counter-collateral. 5) Deliver expiration notices to companies whose loans are about to expire one month in advance to urge them to repay on time.

4. Innovate service concepts and deepen service connotation

In order to solve the problem of enterprises depositing funds before the loan expires, we organized the enterprises in the insurance industry to establish a non-profit, membership-based mutual aid fund to provide Small, short-term financial assistance is provided to enterprises that are about to expire and have temporary difficulties in repaying their loans. After active preparations last year, this work was officially launched this year. As of the end of December, 56 companies had been organized and 5.6 million yuan had been raised. 14 companies had used this fund to solve their urgent needs.

The Financial Services Department was established at the beginning of the year. This department mainly has the following three functions: First, it analyzes the financial status of the applicant company and puts forward review opinions. The second is to provide financial guidance to companies with good business prospects but weak financial management. Since the establishment of the Finance Department, it has provided financial guidance to 12 companies. Through solid work, it has improved the financial management level of the companies and cultivated talents. The third is insurance agency business. During the business process, some companies are not willing to spend money on insurance because they are lucky. By working patiently and meticulously, and coordinating insurance companies to reduce rates, we have now acted as insurance agents for 20 companies.

5. Prepare for rainy days and deal with risks

During the Olympics, some enterprises suspended production and vehicle restrictions caused a shortage of funds for insured enterprises, difficulties in repaying loans when they expire, and increased guarantee risks. In response to this situation, Fangshan Branch adopted 1. Use mutual aid funds to solve temporary difficulties for enterprises; 2. Mobilize enterprises to repay loans in advance, and simplify the procedures for placing a guarantee for enterprises with good fundamentals. Due to the proper measures taken, 16 items of guarantee liability were released during the Olympics, with a guarantee amount of 64.3 million yuan, and guaranteed loans were handled for 14 of the companies, ensuring the normal operation of the guaranteed companies and maintaining social stability during the Olympics. After the Olympics, the world economic crisis triggered by the U.S. subprime mortgage crisis began to have an impact on small and medium-sized enterprises in our region. Some of the insured companies experienced reduced orders, declining profits, and increased guarantee risks. In response to the current situation, the Fangshan Branch conducted temporary spot checks on the insured companies in November to analyze current risks and study countermeasures, and organized a banking, enterprise and guarantee cooperation seminar with Doudian Town and cooperative banks in a timely manner. At the meeting, "we analyzed the current severe economic situation, reminded enterprises to invest prudently, preserve their strength, strengthen the collection of receivables, and maintain reasonable liquidity." The seminar played a positive role.

6. Support advantageous enterprises to become bigger and stronger

Focus on supporting enterprises that are in line with industry orientation. For example: Beijing Altshuer Health Products Development Co., Ltd. is a key enterprise in our district, producing and selling the "Beshengyuan" series of health products. The Fangshan Branch has provided two loan guarantees worth RMB 42 million, enabling the company to purchase advanced equipment, increase production capacity, and rapidly improve operating performance. In 2007, sales revenue was 240 million yuan, and taxes paid were 24 million yuan; in 2008, sales revenue reached 380 million yuan, and taxes paid reached 50 million yuan. Compared with 2007, sales revenue and taxes increased by 58% and 108% respectively in 2008, becoming our A major taxpayer in the district. Beijing Yanshan Switch Factory is a key enterprise in the production of electrical equipment in our district. In order to support the development of the enterprise, the branch has provided it with a number of guaranteed loans worth RMB 25 million. The company successfully relocated from the original old factory area to Fangshan Industrial Park, with a new factory building of 13,700 square meters, and achieved good economic benefits. In 2007, the company's sales revenue was 81 million yuan, and taxes paid were 3.2 million yuan; in 2008, the company's sales revenue was 110 million yuan, and taxes were 5.1 million yuan. Compared with 2007, the sales revenue and taxes paid increased by 77% and 68% respectively in 2008. Beijing Jinlian Guoyu Brake Pump Co., Ltd. is a labor-intensive processing enterprise, and the industry market competition is fierce.

In 2006, the company entered the BYD automobile supporting system through bidding. Due to the lack of working capital, the company faced the dilemma of losing orders. When faced with a dilemma, the branch provided a guaranteed loan of 2 million yuan, allowing the company to successfully perform the supply contract and obtain BYD has the exclusive right to supply F4 single products. After an inspection in 2008, the branch provided a guaranteed loan of 5 million yuan to the company. The company's sales revenue reached 52 million yuan, an increase of 38% over 2007. The number of employees reached 280, including newly arranged disabled people. 34 people are employed and the social benefits are obvious.

7. Small-amount guarantee work

Support laid-off and unemployed people to start their own businesses, and actively provide small-amount guaranteed loans to individual industrial and commercial households. In 2008, 9 guaranteed loans were processed, with an amount of 450,000 yuan. ; A total of 14 guaranteed loans have been processed, with an amount of 700,000 yuan.

8. Training the team and cultivating team spirit

In the past year, Fangshan Branch has followed the requirements of “strengthening quality internally and building image externally” through “learning, practicing, summarizing, and improving "In four links, we have increased the intensity of business training for personnel, and further improved the professional level of personnel through the combination of centralized training and self-study. A good trend of actively learning business knowledge has been formed within the branch to provide guarantee for business expansion.

——Existing problems

1. It is difficult to verify the project

Some small and medium-sized enterprises have extensive management, frequent changes of financial personnel, and no full-time accountants. Accounts are incomplete, assets are not recorded, accounts are handled in a chaotic manner, etc. Some companies are unwilling to provide the true situation due to economic confidentiality and other reasons. Companies want loans but are unwilling to reveal their financial background. In addition, some companies provide false materials to finance loans. The above reasons make project inspection more difficult and increase guarantee risks.

2. Difficulty in implementing counter-guarantee

During business operations, it was found that the implementation of counter-guarantee has become a difficulty in handling guarantee business: 1. Due to the fact that counter-guarantee measures such as the pledge of lease rights require the issuance of villagers’ Evidence such as the signature of the representative makes it impossible or difficult to implement counter-guarantee measures. 2. Various mortgage procedures need to be repeated every year. The procedures are cumbersome and take a long time to process. Enterprises have strong reactions to this.

3. The legal aspects need to be improved

Guarantee business involves a large number of legal matters, and legal knowledge involves many laws such as property law, guarantee law, civil law, land management law and rural land contract law. Legal relationships are complex. Due to the lack of legal professionals, relying solely on lawyers and existing legal knowledge will make it difficult to meet business needs in the long run.

——Work ideas for next year

With the outbreak of the world economic crisis, the domestic economy has declined, small and medium-sized enterprises are facing an adverse situation of severe shortage of working capital, and the risks of the guarantee industry have increased. In response to the above situation, we should actively innovate new service measures, explore new ideas and methods of risk management, support enterprise development while reducing guarantee risks, and ensure the safety of guarantee funds. In 2009, Fangshan Branch will guide the guarantee work with the 26-character policy of active support, steady expansion, good use of funds, clever use, risk reduction, and economic development.

1. Actively and steadily promote the development of guarantee business

Continue to develop project sources and focus on supporting high-tech, energy-saving, environmentally friendly, recyclable, and social benefits that are in line with national industrial policies projects; in addition, the enterprises in the development zone are strong, have land mortgages, and the guarantee risks are small, which should be the focus of support; follow up and focus on the key projects of the district government and the Industrial Bureau.

2. Strengthen on-guarantee monitoring and ensure the safety of guaranteed funds

With the continuous development of business, an institutionalized, standardized and standardized management system that is consistent with Fangshan’s actual conditions has gradually been formed. , in the future business development, we must strictly implement monitoring measures such as collecting financial statements from loan companies on a monthly basis, regularly listening to reports from corporate financial personnel and visiting companies at any time, and increase monitoring efforts to achieve "diligence with eyes, diligence with legs, and diligence with mouth". ", hand-in-hand", visit the company more often, ask more questions about the company's status, read more company information, check in place, summarize afterwards, and fill in the on-site inspection registration form of the insured project.

Work with lending banks to conduct timely inspections of insured projects and sort out existing problems. If there are signs of danger, corresponding measures must be taken in advance. By strengthening the above measures, we strive to prevent or reduce project compensation and achieve safe, scientific and efficient operation of guaranteed funds.

3. Promote the construction of the township guarantee system

In order to strengthen the risk control link of the township government, in 2009, it is planned to adopt the project method recommended by the township government. The township authorities will conduct preliminary review, recommendation and guarantee of local enterprise guarantee applications. After the loan is received, they will assist the branch to monitor the insured enterprises and mobilize townships to participate in the guarantee project and post-loan monitoring, making townships an important link in risk prevention and control. .

4. Deepen services and reduce risks

Continue to play the role of mutual aid associations, financial services departments, and the economic circle of enterprises in Guarantee to provide enterprises with tangible services, so that enterprises can take advantage of Fangshan Branch offices regard themselves as sincere friends and consciously establish a sense of integrity. Reduce risks through services.

5. Cultivate high-quality customers and encourage companies to be honest and trustworthy

In 2009, we will try to select companies with high credibility, good business prospects, and standardized management from among the insured companies, and identify them as points. The company's high-quality customers. For guarantee applications from high-quality customers, simplified guarantee procedures are adopted to encourage enterprises to be honest and trustworthy, work hard, and promote the creation of an honest society.

6. Replenish professionals and strengthen team building

With the continuous increase in business volume and the improvement of internal management, higher requirements are put forward for team building, and there is an urgent need for corresponding professional knowledge and professional titles. Qualified human resources as support. Therefore, the company plans to add a commercial accountant to supplement the project review and provide financial guidance services to the company; and add a professional lawyer to supplement the weaknesses in the legal link.

In 2009, the once-in-a-century international economic crisis is full of opportunities and challenges for the guarantee industry. We will undertake arduous tasks and huge risks, but we firmly believe that under the leadership of the Industrial Bureau, under the leadership of the Capital Guarantee Company With the support of the company, we will overcome difficulties and resolve risks with a high sense of responsibility, and push the guarantee work to a new level.