Although in the new economic situation, governments at all levels, financial institutions and small and medium-sized enterprises have given higher hopes to the credit guarantee industry. At the end of last year, the State Council promulgated "Article 30 on Finance", the second of which clearly pointed out "supporting the development of small and medium-sized enterprises. We will implement support policies such as financing guarantee and interest subsidy for small and medium-sized enterprises, and encourage local people's governments to increase their support for credit guarantee companies through capital injection and risk compensation. Establish multi-level SME loan guarantee funds and guarantee institutions, including central and local financial contributions and joint ventures, and increase the proportion of SME loans in financial institutions. Business tax is exempted for qualified SME credit guarantee institutions. " Since then, relevant ministries and local governments have successively issued relevant industry support policies, while Chongqing regards the development of guarantees and micro-loans as an important part of building a microfinance highland and promoting urban and rural reform and development.
It can be seen that the state has fully affirmed the role of guarantee institutions in supporting the development of small and medium-sized enterprises, and has continuously given policy support to the development of guarantee institutions. Therefore, despite the grim economic situation, banks should steadily promote cooperation with financing guarantee institutions and continue to use it as an important means to solve the "financing difficulties" of SMEs.
(2) Set strict entry and exit standards for guarantee institutions.
Banks should focus on the registered capital scale of cooperative guarantee institutions, whether they have a sound corporate governance structure, internal organizational management system and risk control mechanism, and whether they have perfect pre-investigation, in-process review, post-inspection and recovery disposal capabilities. , and formulated the access and exit standards of guarantee institutions.
(3) Strengthen post-loan supervision of cooperative guarantee institutions and insured businesses.
1. Strengthen the post-loan supervision of cooperative guarantee institutions. Relevant management departments and business units of banks should pay close attention to paid-in capital, corporate governance structure, total amount of guarantee, financial status, entrusted loan quality, compensation, foreign investment and a series of factors that may affect their guarantee ability and amplify the risk of bank credit assets. Through continuous and effective monitoring, once potential risks are found, measures are taken to control credit risks in time.
2. Strictly examine and approve the guarantee business and strengthen post-loan supervision. Banks should be cautious about the credit business provided by cooperative guarantee institutions, focus on the borrower's first repayment source when examining and approving, and take the guarantee provided by guarantee companies as a supplementary risk assessment element.
In the post-loan supervision of insurance business, we should also focus on strengthening the monitoring of the borrower's first repayment source, and we should not relax supervision because the business is guaranteed by a guarantee institution.
3. Explore the credit risk monitoring mode of SMEs under the new situation. In the financial crisis, small and medium-sized enterprises are the most vulnerable, and the depth and breadth of their influence have not yet bottomed out. This also puts forward higher requirements for banks to monitor the credit risk of SMEs. Therefore, banks should keep pace with the times and explore a more effective credit risk monitoring model for SMEs.
(four) improve the credit rating system of guarantee institutions and improve the evaluation level of guarantee ability of guarantee institutions.
The guarantee industry has developed rapidly. Although most banks have initially established a credit rating system for guarantee institutions, the rating results are not enough to comprehensively evaluate the guarantee ability of guarantee institutions. Banks should take measures to improve the credit rating system of guarantee institutions as soon as possible, and comprehensively evaluate the credit rating of guarantee institutions from the aspects of organizational structure, risk management level, risk resolution ability and financial management ability, so as to provide strong support for the examination and approval of credit lines.
(five) to guide and help guarantee institutions to improve their own risk management structure, improve the level of asset management, and improve the ability of credit guarantee.
The risk management level of guarantee institutions is uneven. Some small guarantee institutions funded by district and county governments have great defects in management structure, financial management, risk management and human resource allocation, and these guarantee institutions are often important auxiliary forces for banks to support district and county development. Therefore, banks should explore effective ways to guide and help such guarantee institutions to improve their management level and enhance their credit guarantee ability.
(6) Using guarantee institutions to promote the development of small and medium-sized banks' business and build an expert brand of financial services for small and medium-sized enterprises.
1, * * * Discover and stabilize the best customers in the market. The cooperation between banks and guarantee institutions is mainly located in small and medium-sized enterprises. Therefore, we can give full play to our respective advantages, tap and integrate existing customer resources, and introduce high-quality SME customers in batches through district and county governments, industrial parks and private chambers of commerce, with RMB 3-65,438+million as the mainstream cooperation quota of both parties. On the one hand, it can seize the market faster and aim at high-quality customers; On the other hand, it can spread risks, quickly expand the scale of cooperation, truly solve the financing problem of SMEs from the credit model, and continuously develop and consolidate the competitive advantages of both sides.
2.* * * Innovating financial products and value-added services to build an expert brand of financial services for small and medium-sized enterprises. The huge SME market not only has financing needs, but also urgently needs more forms of financial services, such as management consulting, financial consulting, credit construction consulting, financial consulting, investment banking consulting and so on. Banks have made a lot of positive and beneficial attempts in financing small and medium-sized enterprises and achieved certain results; In the process of development, guarantee institutions have a deeper understanding of small and medium-sized enterprises. According to their own advantages, the two sides can strengthen cooperation in more fields, explore innovative financial products and value-added services, and build an expert brand of financial services for SMEs.