The company's year-end work summary concise version of 5
All employees, under the leadership of the company at all levels, the top and bottom of the heart, unity and cooperation, and successfully completed the year's work tasks. Here I bring you the company's year-end work summary concise version, I hope you like it!
The company's year-end work summary concise version (Selected Part 1)
Light as a shuttle, a year's work in a flash and will become history, 20__ year is about to pass, in the *** with the efforts of all employees, in the company's leadership of the full support, concern, in line with the tenet of all customer service, around the optimization of services, expanding the market and the publicity of the health insurance from the point of view of the interests of the customer! Service, business management, improve the company's visibility and maximize benefits, through solid efforts, successfully completed the work of 20__.
Actively implement the provincial and municipal companies on the company's development of a series of important instructions, advancing with the times, hard work, pragmatism and efficiency, the courage to strive for the first-class, leading the interaction of the Department of staff closely around the "based on the reform, accelerate the development of sincere service, improve the efficiency of the" center to further change the concepts, reform and innovation in the face of increasingly fierce competition in the insurance market, and to improve the quality of services. In the face of the increasingly fierce insurance market, strengthen core competitiveness, diversified operations, through efforts and hard work, the company has maintained a better development trend, for the sustainable development of health insurance companies, made due dedication. Interactive Department is responsible for the work: Now I will report the work of ___ Interactive Department and ___ Interactive Department to the leadership of the company in 20__: Compared with previous years, the development of ___ business this year is a little better. These are after the whole staff *** with efforts to have a larger breakthrough in business. As of November 30, 20___ Interactive Department *** realized premiums: 5,454,274,000 yuan. Among them, group insurance: 114,882,000 yuan, bancassurance: 3,355,000 yuan, individual insurance: 24,000 yuan, renewal: 36,388,000 yuan, special needs: 1,924,000 yuan. On the basis of last year to a higher level, the achievement could not be achieved without the correct leadership of the parent company and the strong support of the staff of the Interactive Department.
Shortcomings in the work: due to the work of a myriad of things, coupled with the management of more business, sometimes inevitably busy. For example, sometimes the service is not timely, statistical data deviation. Sometimes there is impatience in the work, sometimes work in a hurry, but affect the progress and quality of work; dealing with some of the work of the relationship is not yet comfortable. In the Meixian market of insurance sales, although the world is wide, but the road of enrollment is very difficult. Therefore, the construction of the interactive team is a major problem.
In short, over the past year, I have been disciplined, self-restraint, with their own leading role in the ideology to improve the understanding of the workers, the action with a strict system of norms, under my leadership, the interactive Department of the staff to continue to develop the construction of the responsibility to "honesty first, sound management, value for money, service to the community," for the business purpose, determined to reform, continuous innovation, and to serve the community, and the development of a new generation. The purpose of the operation is to "honesty first, steady operation, value for money, service to society", reform, innovation, standardized operation, and achieved a lot of results.
The new year is approaching, the competition in the insurance market will be more intense, the company wants to continue to maintain a better development trend, we must further emancipate the mind, update the concept of breakthroughs, and gradually increase the team's development and marketing efforts. In the new year I will be full of passion, with a hundredfold confidence, to meet the challenges of the future, so that the work of this job to a new level. I believe that, under the correct leadership of the parent company, in the *** with the efforts of all employees, up and down, hard work, with the same boat ***, and work hard, our company will be able to create a more brilliant performance!
The year-end summary of the company's work concise version (Selected 2)Again to the end of the year, looking back at the past year, I can not help but feel a lot of emotion. Time like a shuttle, in the blink of an eye and across a year, looking back, although there is no dramatic results, but it is also considered to have experienced a period of extraordinary test and sharpening. Thank you very much for the company to give me this platform for growth, so that I continue to learn at work, continuous progress, and slowly enhance their own qualities and talents, looking back, the company accompanied me through a very important stage of life, so that I know a lot of leadership support and care for me, my colleagues to help, so that I am more at ease in the work of the company's leadership as well as all the colleagues to express my most heartfelt thanks. I would like to express my heartfelt thanks to the company's leadership and all colleagues. At the same time will also be the work of the year to summarize to you.
First, strict discipline, unity of comrades; set an example, hard work
In the work of strict requirements for their own, respond to the company's call, and actively participate in the company's activities. Overcome all kinds of difficulties, regardless of personal gains and losses, work overtime to learn business knowledge, in a short period of time to complete a number of cases of receiving, filing, investigation, tracking, medical review and other work procedures, won the praise of the customer, a better completion of the task entrusted to the leadership.
Second, the establishment of the center's image, safeguard the interests of the company and customers
In the work found that a number of hospitals there are charges unreasonable phenomenon, resulting in the loss of the company and customers. In possession of sufficient evidence, many times to the problem hospitals to argue, for the customer to save the loss, but also to avoid the company's losses, in front of customers and hospitals have set up a good image of PICC claims.
Third, find problems, solve problems. Seek innovation, promote the work
1, after market research, combined with the characteristics of the home and various hospitals, proposed the implementation of a uniform price of care fees, not only saves the claims procedures, but also reduces the cost of this payout.
2, involving personal injury (disease) case process, non-automobile insurance special information documents, personal injury case tracking form, medical review form and other documents. So that personal injury cases centralized case, centralized medical review, simplified the claims process, but also greatly reduce the payout.
Fourth, to enhance the deepening of services, services to customers, services to the underwriting company
1, will be the front of the claims work, in the traffic police mediation for the customer before the gatekeeper.
2, for different types of insurance, with the branch company to deal with personal injury compensation disputes, not only reduces the payout, but also for the branch company to stabilize, fight for customers, and get the praise of the branch companies.
Fifth, to maintain the achievements, identify shortcomings, redouble our efforts to the next level
1, our business group work just started, the experience is still very insufficient in all aspects, we need to *** with the study, redouble our efforts. At the same time, because the work involves a number of types of insurance, the need for support and cooperation with a number of departments, in the future to strengthen the coordination of all aspects of work.
2, with the development of new types of insurance, there are many new issues, in order to strengthen business learning at the same time, but also need to horizontal contact, to other companies to learn from the advanced experience.
In the new year I set new goals for myself, that is, to intensify learning, better enrich themselves, to meet the challenges of the new period with a full state of mind. I will also learn from other coworkers, complement each other's strengths and weaknesses, and exchange good work experience, *** with progress. Strive for better work performance.
The company's year-end work summary concise version (selected article 3)__ SME Credit Guarantee Co., Ltd. is a government investment in the establishment of a professional guarantee institutions, the registered capital of 380 million yuan. Since its establishment in 1999, the company has been serving the local economy and supporting the development of local small and medium-sized enterprises for the purpose of adhering to the policy-oriented, corporate management and market-oriented operation, and has provided guarantees of 7.3 billion yuan for local small and medium-sized enterprises, and has supported more than 1,800 enterprises in total. 20__ The company has been rated AA+ by the China Joint Credit Rating Company, and has been rated as the top ten most important guarantee institutions in China by the National Development and Reform Commission.
The difficulty of financing small and medium-sized enterprises (SMEs) is a universal problem, and just like all over the country, the rapid development of local SMEs in ___ is also plagued by financial problems. Over the years, the municipal government has attached great importance to the development of SMEs and introduced a series of major initiatives, including the pilot work of SME financing, the construction of the credit system and the guarantee system, and the strengthening of the leading role of the policy-oriented guarantee institutions. The Sichuan Branch of China Development Bank takes the initiative to serve the local economy, plays the role of developmental finance in solving the "difficulties" and "hot spots" of the local economy, boldly explores and innovates, and takes the lead in the banking sector in cooperating with the local government to carry out SME lending business, and promotes the construction of credit system and financing guarantee system. It has taken the lead in the banking sector in cooperating with local governments to develop SME lending business and promote the construction of credit systems and financial guarantee systems. This initiative opens up a new way to solve the problem of financing difficulties of local SMEs and is of great significance to the development of the local economy, especially the county economy. As the largest local policy-based guarantee institution, SME Guarantee Corporation, under the care and support of the municipal party committee and municipal government, and with the guidance and help of the municipal SME Bureau, the Corporation has been cooperating closely with the Sichuan branch of the Development Bank, the district and county governments, and the platform companies, seizing the opportunities, seeking truth and innovation, playing the leading role of the municipal platform companies, and making full use of the developmental financial resources to support the development of local SMEs, to enable the developmental financial support for ___ SMEs. So that the development of financial support ___ SME financing guarantee work to achieve significant results.
First, the basic situation
__ SME Guarantee Corporation and the development of the Sichuan branch of the bank to carry out SME financing guarantee work officially started in October 20__, Xinjin County as the first pilot counties and the development of the bank signed a cooperation agreement to obtain a credit of 50 million yuan. 20__ December, the first batch of 10 enterprises*** 12 million loan was realized. After nearly a year of piloting, the city began to push forward to other districts and counties at the beginning of 20__. By the end of 20__, 20 districts and counties in the city had signed cooperation agreements with development banks, with a total agreed loan amount of 2.2 billion yuan. Among them, 14 districts and counties, such as Xinjin, Hi-tech Zone, Jinniu District and Shuangliu, have been carrying out normal business, and the first batch of loans of another 3 districts and counties are being implemented. In addition, the Sichuan Branch of the Development Bank, __ SME Guarantee Corporation signed financing guarantee cooperation agreements with Tianfu Software Park in Hi-tech Zone, Shuangliu Jiaolong Industrial Harbor and Qingyang Industrial Concentration and Development Zone (West) respectively, with an agreement amount of 400 million yuan. At the same time, __ small and medium-sized enterprise guarantee company through the development bank 100 million yuan of soft loan support, increased registered capital, guarantee capital strength further consolidation. After two years of operation, the development of the bank's small and medium-sized enterprise financing work cumulative loans of more than 600 million yuan, of which, only in 20___ new customers 177, loan size of 478 million yuan.
Over the past two years, in the development of the Sichuan branch of the bank, ___ small and medium-sized enterprise guarantee company, district and county government platform companies and small and medium-sized enterprises *** with the efforts of the development of financial support for small and medium-sized enterprise loan work has achieved remarkable results. The SMEs supported by the loans as a whole have seen significant growth in sales scale, profits and taxes, and labor employment level, which has promoted the growth of SMEs and the development of the county economy. In Xinjin County, for example, the business income of the 18 enterprises supported by the loan has increased by 18% on average, the total tax revenue has increased by 12 million Yuan compared with the same period of the previous year, and 1,200 rural laborers and urban laid-off workers have been resettled.Among the 18 enterprises supported by the loan, 2 enterprises with millions of tax revenue have been cultivated, and 3 enterprises above the scale of cultivation have been cultivated.In 20__, the 29 enterprises in Shuangliu County, which have been supported by the bank's loans, have seen significant results. The average tax revenue increased by 54.48% compared with the previous years, which is 32 percentage points higher than the average level of the whole county. Affected by the deterioration of financial ecology, Jintang and Pujiang counties, which are relatively backward in terms of economic development level, financial institutions have not increased the scale of local loans for many years, and the development of small and medium-sized enterprises (SMEs) has been seriously constrained by the shortage of funds. Through the development of the Bank's small and medium-sized enterprise financing platform, Jintang has six, Pujiang has five enterprises to obtain the Bank's loans, the realization of the guarantee company in these two counties in the financing of the guarantee business "zero" breakthrough.
At present, the development bank small and medium-sized enterprise financing guarantee city and county levels constitute the small and medium-sized enterprise financing platform and network system has been set up, the system and the operation mechanism has been basically established and initially perfect. Two years of normal operation, no one loan overdue phenomenon. Many enterprises have obtained loan support at the same time, the degree and level of management standardization has been improved, and the sense of integrity has been obviously strengthened. Developing financial support for small and medium-sized enterprise loans in the financial sector to play a demonstration and driving role, many bank branches by its drive, began to put the new business growth point in small and medium-sized enterprise projects. A number of financial branches are in contact with our company to discuss how to draw on the experience and mode of operation of the developmental financial support for small and medium-sized enterprises, and to establish a long-term and stable cooperative relationship with our company.
Second, the mode of operation
1, the development of the bank SME financing platform organization and loan mode
First of all, the districts and counties to set up the development of small and medium-sized bank financing leading group, and funded the formation of government investment platform company, and at the same time in the local selected a financial branch as a commissioned loan bank. The company's work under the guidance of the local financing leadership group is responsible for the initial selection and recommendation of financing enterprises, as well as the borrowing of loans from the development bank and the transfer of loans to SMEs through the entrusted bank as a principal, and the management of the loan and recovery of the principal and interest. The SME Guarantee Corporation, as a municipal platform company, is responsible for investigating and evaluating the enterprises recommended by the districts and counties, providing guarantee for the loans of the districts and counties platform companies in the development bank, and at the same time, providing guarantee for the entrusted loans issued by the districts and counties platform companies to the enterprises.
Loan mode mainly has platform company unified loan borrowing, guarantee company guarantee; enterprise direct borrowing, guarantee company guarantee; platform company borrowing, borrowing enterprise joint guarantee three ways. The basic mode is the platform company unified loan borrowing, guarantee company guarantee.
At present, the development bank loan interest rate in the prime rate floated 10%, the guarantee company guarantee fee charged at 1.5% of the annual guarantee amount. District and county platform companies and commissioned by the bank's fees totaled 0.4%-1%.
2, development bank cooperation SME loan business operation mechanism
development bank SME loan mainly established three operation mechanism, namely, democratic evaluation mechanism, risk sharing mechanism, risk control mechanism.
Democratic evaluation mechanism: each district and county set up a democratic evaluation group of loan enterprises, selecting democratic evaluators familiar with the enterprise or industry to evaluate the enterprises recommended by the district and county, so as to improve the fairness and efficiency of the review and decision-making. The enterprises that passed the democratic evaluation were then recommended to the guarantee company and the development bank.
Risk-sharing mechanism: For the borrowing platform bundled loan project, if there is a loss, ___ SME Guarantee Corporation to bear 70% of the loan loss, the development bank to bear 18% of the loss, the county platform company to bear 12% of the loss. The Development Bank requires each county and district platform company to deposit 10-12% of the risk guarantee for bundled loans with the Development Bank. For the enterprise direct loan, the guarantee company to provide security for the project, the development bank does not implement the risk sharing for the time being.
Risk Control Mechanism: A risk control mechanism involving the development bank, the guarantee company, the local government and the platform company, the commissioned lending bank, and the SME credit promotion association***. Instead of controlling the risk of a certain enterprise or a certain part of the process, the risk management is mainly implemented through the linkage of all parties, organizational advantages and system construction. For example, the development bank does not investigate the specific enterprise, mainly based on the conclusion of the democratic evaluation, the guarantee company audit investigation and the results of the financial audit of the enterprise as the basis for evaluation.
Third, the main practice
1, strengthen the sense of service and risk prevention awareness, innovative work methods and measures
_ SMEs Guarantee Corporation in promoting the development of the Bank's cooperation in small and medium-sized enterprise financing guarantee work, strengthen the sense of service and risk prevention awareness, combined with the development of the Bank's small and medium-sized enterprise financing work characteristics, and actively explore and innovate the guarantee work of the new methods, new measures. According to the basic situation of small and medium-sized enterprises in all districts and counties and the characteristics of China Development Bank's unified loan business, the Company has specially formulated evaluation standards and evaluation methods for financing enterprises, designed fast and efficient operation processes that control risks as much as possible, innovated some risk control measures and means, and given preferential guarantee charges for China Development Bank's loan enterprises. For example, we intervene in advance in the stage of democratic evaluation of enterprises in all districts and counties to carry out qualitative preliminary investigation, which improves the rate of passing and efficiency of the review and guarantee of the projects recommended by the districts and counties; in the review of software enterprises, high-tech entrepreneurial enterprises, and agricultural industrialization enterprises, we appropriately adjust the focus of the investigation, the evaluation method, and the evaluation indexes according to the characteristics of the respective industries, and control the amount of credit, and set the conditions for technological access, Through credit control, setting technology access conditions, network public announcement and other methods of exploration, the company's guarantee support methods for high-tech enterprises are becoming more and more perfect; in view of the fact that many small and medium-sized enterprises do not have any counter-guarantee measures, we give full play to the advantages of the risk control linkage mechanism, and cooperate with the local government in supervising the assets such as land, construction in progress and enterprise inventory, etc. that have not yet obtained the land certificate, so as to innovate the counter-guarantee measures. The company's platform company unified loan method is mainly to increase the overall coverage of financing services for small and medium-sized enterprises, at the same time, for individual excellent projects with key industry demonstration role, and strive to obtain direct loans, to take a combination of point and face, a variety of ways to support the enterprise.
2, combined with the characteristics of the regional economy and industrial clusters in the district, city and county, optimize the allocation of guarantee resources
We are promoting the development of financial small and medium-sized enterprise financing guarantee work at the same time, close cooperation with the Bank, combined with the characteristics of the county economy and advantageous industries, focusing on the focus of the industry and characteristics of the industry to provide support, and strive for the development of financial resources to support the utility of the small and medium-sized enterprises to maximize the realization of the credit resources. We strive to maximize the utility of developmental financial resources to support SMEs and achieve the optimal allocation of credit resources. We are in the high-tech zone and Qingyang District, focusing on support for electronic information and software enterprises, precision mold manufacturing enterprises, biomedical enterprises; PI County and Dujiangyan, we focus on support for the production of bean paste enterprises and agro-industrial projects. And in Pujiang and Jintang, we focus our support on agricultural industrialization leading enterprise projects. In Wuhou and Chongzhou, we provided support to enterprises by combining the characteristics of the shoe, leather and furniture clusters in the region. In addition, we also provide support to Taiwan-funded enterprises, returnee entrepreneurs, and micro and small enterprises in accordance with the focus of the regional and county governments and the Bank's work at various stages. With the concentration of industry in parks and the booming development of industrial parks around the world, more advantageous industries and high-quality customers are gathering in the parks. We adjusted our thinking in time, broadened our vision of finding quality customers, and extended our development finance SME financing and guarantee service system to industrial parks. 20___ Since April 20___, the Bank, the guarantee company has signed cooperation agreements with the Jiaolong Industrial Port, Tianfu Software Industrial Park, and Qingyang Industrial Concentration and Development Zone, and many of the projects recommended by the parks have been supported by the Bank's loan support.
3, establish the "big guarantee" concept, play a leading role in municipal platform companies, and actively promote the construction of credit guarantee system
In vigorously promoting the Bank's cooperation in small and medium-sized enterprise financing guarantee work, ___ Small and Medium Enterprises Guarantee Corporation has always set up a "large guarantee On the one hand, we apply the idea of "big guarantee" to solve specific problems in project development, risk control and external cooperation, and grasp the risks and promote the work through the advantages of the system, institution and linkage mechanism; on the other hand, the sustained and healthy development of the guarantee industry also relies on the improvement of the credit guarantee system and the establishment of a long-term mechanism. We need to promote the construction of a developmental financial guarantee system for small and medium-sized enterprise financing with the concept of "big guarantee".
We work closely with the municipal and county financing leading groups to strengthen communication with enterprises, governments, and entrusted lending banks through channels such as credit promotion meetings, democratic evaluation meetings, and various seminars and training sessions, to publicize the sense of honesty among enterprises, and to introduce our concepts, standards, and processes to all parties involved in the development of SME lending to improve the efficiency of the linkage. In order to improve efficiency and prevent risks, the company has also established a regular working exchange and communication mechanism with the Sichuan branch of the Development Bank. In order to better connect the Company's work with the districts and counties, since 20__, the Company has divided the responsibilities of the business departments by district and county, and determined the liaison personnel for each district and county. We have strengthened exchanges with district and county platform companies through business training and other means, often investigating projects with the staff of each district and county platform company and exchanging and discussing suggestions for the work. Through training, exchanges and practice, the overall work quality and efficiency of many district and county platform companies have been greatly improved. It has promoted the development of the overall work of the SME financing guarantee of the Bank. At present, through the close cooperation of all parties, *** with the efforts of a government, banks, guarantee companies and small and medium-sized enterprises, "four-way linkage" of the development of financial SME financing guarantee system has been initially formed, and effectively alleviate the city's SMEs financing difficulties contradictions, and to promote small and medium-sized enterprises and the development of the local economy.
Fourth, there are problems and recommendations
Summarize and review two years of cooperation with the development bank to support SME financing guarantee work practice, there are still some problems, mainly reflected in:
1, some counties are not enough to promote the work, the quality of the recommended projects to be improved, the management of the loan management work is also weak.
2, due to the opening of the Bank's lean staff, less manpower, heavy task, the opening of the Bank's unified loan project reported approval of a longer time, the overall efficiency has to be improved.
3. The cost of financing for small and medium-sized enterprises (SMEs) is still relatively high due to various aspects of the financing guarantee.
4, the development of the bank loan term, a single species, can not meet the diversified needs of small and medium-sized enterprises financing.
It is recommended that development banks introduce more loan varieties in the future, and give full play to the cost of capital advantage of development finance to support SMEs to give more favorable interest rates to support SMEs.
SMEs have a long way to go in solving their financing problems. The SME Guarantee Corporation will, as in the past, bear in mind the purpose of serving SMEs, play the leading role of the municipal government platform company, work closely with the Sichuan branch of the development bank and the SME management departments of the regional and county governments and the platform company, and *** with the development of financial support for SMEs to create a new situation in the financing of guarantee work.
The company's year-end work summary concise version (Selected 4)
20__ year the company in the county party committee, the county government's concern and support, in the county state-owned Assets Supervision and Administration Committee under the direct leadership and guidance of the company adhere to the honesty and trustworthiness, the control of the risk of the operating principles, active and steady work, give full play to the role of leverage of the financial guarantees, and effectively solve and alleviate the production of small and medium enterprises in the county, the production of self-employed, business funding difficulties, strong support for the county, the production of small and medium-sized enterprises and individual businessmen. The difficulty of production, business capital, strong support for the development of small and medium-sized enterprises in the county, has achieved better social benefits.
First, the guarantee business and asset management
1, the guarantee business
20__ due to the national macroeconomic control, the implementation of moderate and prudent monetary policy, the compression of bank loans, the company in order to strengthen the loan risk management, to reduce the risk of financial guarantees, the amount of financial guarantees to take the compression of the business strategy. 20__ the company cumulative guarantee 132, the amount of 169 guarantees, the amount of 169 guarantees, the amount of 169 guarantees, the amount of 169 guarantees, the amount of 169 guarantees. In 20__, the company accumulated 132 guarantees, the guarantee amount of 169.16 million yuan (of which: for small and medium-sized enterprises to guarantee 48 102, the guarantee amount of 158.06 million yuan), the end of the year in the guarantee liability balance of 189.8 million yuan, of which: in the guaranteed 48 enterprises, in the guarantee balance of 1,787.7 million yuan, in the guarantee of the individual 30 households, in the guarantee balance of 11.1 million yuan.
2. Guarantee and recovery work
In 20__, the company accumulated 27 guarantees and recoveries, amounting to 15.44 million yuan, of which: for Huaxiang Group (Wen Yingxiang) to provide Yinfeng International Center project project performance guarantee recovery and loan guarantee recovery of more than 9.6 million yuan.
Through the court prosecution of 15, amounting to more than 12 million yuan, has been through the court execution, mediation recovery of more than 1.89 million yuan. Among them: Huaxiang Group (Wen Yingxiang) provided by the Yinfeng International Center project project payment performance guarantee compensation and loan guarantee compensation of more than 9.6 million yuan is in the process of implementation.
3, asset management:
20__ the end of the company's total assets of 67.02 million yuan, compared with the total amount of 50 million yuan of state-owned capital invested in an increase of 17.02 million yuan, value-added 34%. Total liabilities amounted to 13.55 million yuan (including: accumulated reserve for guarantee indemnity of 3.54 million yuan, accumulated reserve for outstanding liabilities of 5.26 million yuan, and guarantee deposit of 4.24 million yuan), and owner's equity of 53.47 million yuan (including: paid-in capital of 50 million yuan, capital surplus of 3.2 million yuan, general risk provision of 0.16 million yuan, surplus reserve of 0.07 million yuan, and undistributed profit of 0.04 million yuan). 20__ year, the company realized premium income of 1.73 million yuan, net profit of 12,000 yuan.
Second, the main work carried out
1, efforts to expand the guarantee business, to maximize the relief of enterprise financing difficulties
As a state-controlled policy guarantee company, we have always been to promote the development of the county's economy, improve the credit of small and medium-sized enterprises (SMEs), broaden SMEs' financing channels, and promote SMEs' reform and development as the primary work task. However, due to the late start of these enterprises, small capital, weak risk-resistant ability, less high-quality assets available for counter-guarantee collateral, coupled with their own financial system is not sound, financial management is not standardized, the lack of credit history in the bank, making it difficult for them to obtain loans from the bank. In response to these problems, the company has taken financial verification, door-to-door research, peripheral investigation and other measures to understand the situation of enterprises in detail, implement counter-guarantee measures in a flexible and diverse manner, and make every effort to facilitate communication between them and the banking sector. Through our unremitting efforts, most of the development prospects, the comprehensive benefits of the enterprise successfully obtained a guaranteed loan to solve the problem of capital constraints in their development, contributing to the rapid and healthy development of these enterprises, and achieved better social benefits.
2, the use of flexible and diverse counter-guarantee measures for enterprise development services
At present, our company to take the counter-guarantee measures: First, the actual controller of the enterprise and the main operator of the personal unlimited liability guarantee; the second is the right to use the land, real estate, machinery and equipment mortgages; the third is the letter of commitment, the judicial and so on, on the one hand to support the development of the company on the other hand, to control the risk of the company itself, through the above guarantee measures for the county's 50 million people. Through the above guarantee measures for my county more than 50 enterprises and more than 30 individual businessmen, through my company for loan guarantee, enterprise capital difficulties have been alleviated, to ensure the normal production of small and medium-sized enterprises in my county.
3, constantly standardize the management, effective control of security risks
This year the company has further strengthened the risk management of the guarantee business a guarantee business for the specific problems of the current guarantee business to reformulate the guarantee business operations, increase the scope of services to small and medium-sized enterprises, enhance the practical operation of the guarantee business. The second is to improve the guarantee review system, the establishment of the guarantee review committee, from the source of effective control of the occurrence of guarantee risk, the third is in order to guarantee the long-term standardization of the development of business in the county, the company has been in the province of small and medium-sized enterprises Bureau of the record, into the provincial guarantee industry management department unified supervision.
Third, there are problems
1, small registered capital
With the continuous development of the scale of small and medium-sized enterprises in the county, the demand for funds is more than over, and the financial sector of the single-family lending enterprises can only be in accordance with the guarantee company's registered capital of 10% of the guarantee loan issued by the company, according to the registered capital of 50 million yuan of our company's current loan can only be up to 5 million yuan, far from meeting the county's needs, the company's registered capital of 5 million yuan. 5 million yuan, far from meeting the capital needs of medium-sized enterprises in the county.
2, the guarantee business charges a low proportion
According to the state regulations guarantee business charges shall not be higher than 50% of the bank loan interest rate, due to my company for the policy of the guarantee company, do not profit for the purpose of business, so my company is currently charging a proportion of only 1.2%-1.8%, the company's ability to profit is not strong.
3, the risk of guarantee and loan business exists
20__ years the county government to support the construction of the county Yinfeng International Business Center, through the government coordination of our company to Huaxiang Group of companies to provide engineering performance payment and borrowing guarantees, up to the present my company for the silver abundance of international commercial centers (Huaxiang Group of companies) engineering performance guarantees on behalf of the loan guarantee cumulative payment of more than 900 million yuan, the Mianyang Xinhua Group of companies to provide the loan guarantees. More than 900 million yuan, Mianyang Xinhua Construction Company of my company has been through the judicial process to require my company to assume responsibility for the guarantee, and through legal means of my company in the bank account opened by the seizure of the freeze, although my company through the coordination of the current court temporarily unfreeze the bank account, but the guarantor is currently the ability to fulfill the debt liability of the company's guarantee responsibility is weak, the company's guarantee responsibility still exists.
Fourth, the next step in the work of the intention and recommendations
1, requesting the government to arrange funds 50 million yuan to expand the company's registered capital strive to 20 ___ years to reach 10,000,000 yuan to further support the development of small and medium-sized enterprises in our county.
2. Increase the percentage of guarantee fees.
It is recommended to increase the fee percentage to 2%-3% and to assess the credit rating of the company's insured enterprises, and to implement preferential guarantee policies for honest and trustworthy small and medium-sized enterprises.
In accordance with the operating principle of "benefit *** enjoy, risk *** share", efforts to establish a fair and reasonable cooperative relationship. Strengthen the business communication links, in each other recommend customers, participate in the project investigation, *** with the prevention and control of risk, effectively solve the enterprise financing problems, promote enterprise credit upgrade, promote the construction of the county credit system.
3, actively do a good job of bad guarantee loan collection.
To strengthen the contact with the bank, the court through a variety of measures to actively collect the overdue guaranteed loans, and strive to minimize the loss of compensation.
The company's year-end work summary concise version (Selected 5)
This year is ___ insurance market more competitive year, but also ___ personal insurance development is an important year, ___ personal insurance in the ___ general manager's office of the correct
First, the results of the operation and work
From
We take advantage of the various opportunities to change the concepts of all the internal and external diligence of the personal insurance, change the "want me to develop", "to develop", "to develop", "to develop". We use all kinds of opportunities to change the concept of all internal and external staff of personal insurance, changing "want me to develop" to "I want to develop". For the sales line of business personnel, we repeatedly emphasized that achieving results to capture the market is fundamental, to see the inexhaustible resources of the ___ insurance market, and realize that to do a policy is to occupy a piece of the market. Only by setting up a new concept of development, constantly occupying market share, with service and morale to compete with the industry, the marketing team can be invincible in the market tide. It is the attack of
For individual insurance team training, clear duty orientation, strengthen job awareness and work responsibility, so that field partners and internal staff are clear direction, each in their own way. Strengthen the sense of honor for the elite masters, and enhance training and development. For the personal insurance staff, adjust the departmental structure, clear job responsibilities, and effectively do a good job of team support and service work.
A handful of basic management, improve the quality of the team, maintain team stability; a handful of product business, increase the scale of premiums, to ensure that the target reached. In the morning meeting operation, ___ personal insurance attaches great importance to, require the group training to make great efforts to ensure that the effect of each morning meeting, the results of the operation of the year is remarkable. In order to do a good job of attendance management, Bin personal insurance revised the attendance management methods at the beginning of the year, canceled the part-time argument, put forward a clear mechanism of attendance rewards and punishments to all people, to set up a sense of system in the whole jurisdiction, clear "to be a number of work should be to go to work to work," the hard truth, and to guide the team to further rectify the wind, and to develop a good work style. The company's business is to provide the best possible service to its customers, and the company is also to provide the best possible service to its customers, and the company is also to provide the best possible service to its customers.
Second, there are some problems in the work
The development of the work of increasing the lagging behind, the overall quality of the team is still on the low side, especially the ___ team, the need to add high-quality talent, to open up the market for high-end customers. Newcomers out of the single rate, transfer rate, retention rate is not high, the phenomenon of big in and big out still exists; part of the supervisor's sense of responsibility and work ability to keep up with the needs of the market development, the overall level needs to be improved; the team's overall activity is not enough, the average per capita production capacity, the average piece of premiums are still on the low side, there is a gap between the requirements of the market.
Third, next year's work envisioned
Continue to follow the head office beat, in accordance with the general manager's office deployment to carry out the work. Grasp the basic management work, really improve the activity volume of business personnel, performance rate, attendance rate and per capita premium indicators. Provide good sales support, build a sales platform and promote the growth of the elite team. Vigorously carry out the enrollment activities, especially the county enrollment work. Establish a perfect training system at all levels, and improve the training of regular staff and newcomers, bridging education and training for the generation qualification examination, so as to improve the level of staff at all levels. Continue to strengthen the construction of the township workplace, the realization of the existing township
Looking ahead, we are full of confidence in the future development. We believe that in the ___ company's correct