According to the economic and social development plan, under the premise of not taking profit as the direct purpose, a kind of capital activity that supports enterprises or institutions to develop production and undertakings by means of direct or indirect loans. The following is the Mid-year Work Summary of Investment and Financing Department that I prepared for you. Welcome to consult, I hope I can help you.
Summary of the work of the investment and financing department in the middle of the year. Under the correct leadership of the company's management team, with the strong support and enthusiastic help of relevant departments, I United and led the employees of the department, and based on my post, successfully completed the planned work of the department at the beginning of the year and other tasks assigned by the leaders. In order to promote the work in the new year, the work in the past year is now reported as follows:
First, strengthen study and improve their own quality.
This year is a very important year for the rapid development of Shenzhen Kangtai Biological Products Co., Ltd., and it is also a year full of tests and challenges for the company's financing work. In order to improve my ideological quality and professional ability, I pay attention to strengthening study and exercise, and always be strict with myself. Over the past year, I have actively participated in various learning activities organized by the company, learned and understood the principles and policies of the party and the state through television, internet, newspapers and other systems, further improved my ideological level and political theory accomplishment, and always worked with the company in thought and action. In order to improve my professional level, I also constantly strengthen the study of contemporary economy, management, science and technology, law and other aspects, broaden the level of knowledge and update the knowledge structure. Through learning, I have mastered the skills of self-promotion, company promotion, communication with customers, refusal to deal with, etc. And my organizational management ability, comprehensive analysis ability and coordination ability have been greatly improved, ensuring the normal operation of all the work in this position.
The second is to closely follow the center and earnestly perform their duties.
As the manager of the company's financing department, my main responsibility is to find bank funds to meet the company's business needs. In my work, I closely focused on the company's decision-making and deployment, based on reality, earnestly performed my duties and achieved practical results.
(1) New achievements have been made in bank financing.
Since its establishment, the company has been selling hepatitis B vaccine as its main business, with good sales performance, stable annual profit development and sufficient liquidity. This year, the company invested heavily in building a vaccine industrialization base in Beijing. Due to the expansion of production and operation scale, the company needs external financing to meet the demand. Under the background of further tightening of financing policy, corporate financiers have overcome the practical difficulties that the bank credit policy is still indifferent to the financing of biopharmaceutical industry. Under the correct leadership of the company's management, they overcame difficulties and did a lot of work in China Construction Bank, Industrial Bank, China Merchants Bank, Huaxia Bank, China CITIC Bank, Bank of Ningbo and other financial institutions, successfully completed the company's comprehensive credit extension and solved the funds needed for the company's business development in time. At present, the loan fund has reached 4 million yuan, which has timely guaranteed the capital demand for the construction of Beijing vaccine production base project. It is particularly worth mentioning that since the beginning of this year, the finance department has been brave in innovation and development in financing channels. On the premise of successfully operating the vaccine industrialization project loan, we also actively explored the capital operation market, and successfully obtained 245 million yuan of trust funds from Industrial Bank and China Construction Bank in the form of standby credit, accumulating rich experience and playing a very important role in the development and construction of the whole company.
(B) "Beijing industrial development funds discount" to achieve a new breakthrough.
On the premise of minimizing the financing cost, the corporate financier applied to the Beijing Industrial Promotion Bureau, the Ministry of Industry and Information Technology and the Beijing Municipal Development and Reform Commission for a large loan discount in the month when he signed a formal loan contract with China Construction Bank. Because the registered address of Minhai Company is in Beijing, the foreign loan bank and Minhai Company are still in the construction period, and the hardware conditions of "good operation" that do not meet the requirements of government subsidies are recognized by the relevant government departments as "enterprises that do not support loan interest subsidies" at the time of initial application. In the second application, under the correct guidance of the management, the company's financing personnel understand the thinking of senior government leaders, determine the main direction, clarify the operation steps, overcome all difficulties and withstand various pressures. Finally, in the last batch of declared projects this year, Minhai's application for discount was passed, which directly saved the company 25 million yuan and arrived at the account 65,438+6.2 million yuan in advance, greatly alleviating the pressure on the company. At the same time, taking this as a breakthrough point will open the gap of government's "discount interest" and ensure that the company will minimize the use cost of loan funds in the future, which will also save a lot of capital costs for the company.
Third, the company's rules and regulations have been implemented.
Over the past year, I have conscientiously implemented the company's rules and regulations in accordance with the company's requirements, combined with the actual work, and fulfilled my duties. First, adhere to the principle of stressing the overall situation, unify thoughts with the cause, develop cohesive forces, and promote the unity, harmony and cooperation of department members through heart-to-heart communication, creating a harmonious, smooth and energetic working environment and promoting the innovative development of department work. The second is to pay close attention to system implementation. I insist on strict requirements, strict education, strict management and strict supervision throughout all aspects and links of thought, style, discipline and work. I treat the employees of the department objectively and fairly, without favoritism, creating a harmonious atmosphere of mutual cooperation, mutual help and Qi Xin's concerted efforts, and enhancing the cohesion and combat effectiveness of the department. Over the past year, my employees and I have been able to conscientiously implement the company's regulations and have not found a case of violation of law and discipline.
In the past year, the achievements made in the work of the Finance Department were hard-won, which was the result of the company's leaders' great attention and strong leadership, the strong support of the brother departments, and the United struggle, self-pressure and hard struggle of all the staff of the Finance Department. Here, I would like to express my heartfelt thanks to everyone! Achievements reflect the support, encouragement and help of leaders and colleagues. This honor belongs not only to me personally, but also to our excellent team. Achievement is not the end, but the starting point of higher renewal.
With the development of the company, the task of the financing department is arduous and arduous. Under the strong leadership of the company, we will continue to focus on the management center, think hard, seek hard and act hard, and make new and greater contributions to the leap-forward development of the company with more enthusiasm and more pragmatic style.
Thank you!
Summary of Mid-year Work of the Investment and Financing Department The Second Company conscientiously implemented the proactive fiscal policy and prudent monetary policy implemented by the state, focused on the goal of "three struggles, two constructions and one leap" put forward by the municipal party committee and the municipal government, and in line with the working idea of "striving for progress based on stability and striving for Excellence in stability", actively adapted to the new changes in the economic and financial situation, complied with the financing guarantee needs of enterprises, and actively implemented the "three major actions" to promote the rapid development of small and medium-sized enterprises.
In June-June, 445.58 million yuan of secured loans were provided to 99 small and medium-sized enterprises, an increase of 50 million yuan year-on-year, with an increase of 65.438+02%. 364.6 million yuan of secured loans have been issued, the balance of liabilities under insurance is 730.64 million yuan, the guarantee compliance rate has reached 65.438+000%, the income from guarantee business has been 6.45 million yuan, and taxes have been paid. With the application of 55 million yuan national and provincial guarantee projects, the company's operation has shown a good development trend of orderly growth of business scale, rising business performance, gradual enhancement of anti-risk ability and increasingly significant guarantee benefits, and entered the fast lane of healthy development. The work in the first half of the year mainly focused on the following six aspects:
The first is to optimize the guarantee structure.
1, corporate governance structure. According to the company's articles of association, the company held a general meeting of shareholders on March 9, and elected new directors, supervisors, chairman and chairman of the board of supervisors. A new shareholders' meeting, board of directors and board of supervisors have been established, a basic framework that meets the requirements of modern enterprise system has been established, and the decision-making power, execution power and supervision power have been established to be independent and coordinated with each other, and the operating mechanism of effective checks and balances has been improved.
2. Ownership structure. According to the principle of relatively concentrated equity and reasonable structure, the original shareholders are classified and merged, and the equity reorganization is implemented, which increases the space for the guarantee to absorb capital and enhances the development strength of the guarantee. /kloc-in may of 0/8, the company held a general meeting of shareholders and passed the plan of increasing capital and shares. The number of shareholders decreased from 49 to 47, the registered capital increased from 654.38+0.5 billion yuan to 265.438+0 yuan, the guarantee fund expanded by 60 million yuan, and the annual financing guarantee capacity increased from less than 654.38 billion yuan to 654.38 billion yuan.
The existing capital structure is: state-owned capital 10765438+ ten thousand yuan, accounting for 51%; Private capital is 6.5438+0.029 million yuan, accounting for 49%. It highlights the holding position and supporting role of state-owned capital.
3. Personnel structure. Combined with the characteristics of the guarantee industry, the company adapts to the needs of guarantee management, adopts the method of combining examination with assessment, adheres to the principle of quality first and specialty first, and selects seven business backbones with relevant professional titles and certain work experience, thus enriching the guarantee posts. At the same time, all on-the-job employees are trained intensively, which improves the comprehensive quality of business personnel and enhances the cohesion and combat effectiveness of company employees.
4. Management structure. First, set up departments reasonably, clarify job responsibilities, and ensure smooth work coordination and management; The second is to straighten out the management relationship, determine the management level of the company, and make the rights and responsibilities clear and consistent; The third is to refine the management system, implement the company-based full coverage management process, promote the harmony and unity between management structures, and plug the loopholes in guarantee management.
Second, strengthen cooperation between banks and insurance companies.
1, development partner. Taking the establishment of mutual trust and win-win mechanism between bank and insurance as the breakthrough point, the company has closely carried out multi-level communication with financial institutions, which has increased the integration and attractiveness of guarantees and strengthened the willingness of cooperation between the two parties. At present, it has re-signed loan guarantee cooperation agreements with Bank of China, Agricultural Bank of China, Agricultural Development Bank and Wuxue Rural Commercial Bank, and reached guarantee cooperation intentions with Wuxue Construction Bank and Wuxue Postal Savings Bank. Business cooperation with Huanggang China Merchants Bank and Wuhan Pudong Development Bank is under negotiation.
2. Expand the scale of cooperation. Taking the promotion of credit rating as a breakthrough, the company took advantage of the brand advantages formed by provincial demonstration units, which attracted the attention of provincial financial institutions, obtained the guarantee qualification of provincial banks, and gave key support in cooperation scale and magnification. The guarantee credit line reached 654.38+065.438+0 billion yuan, and the magnification of other cooperative banks exceeded 7 times except Wuxue Rural Commercial Bank.
3. Broaden the scope of cooperation. According to the characteristics of large financing amount, short term and high efficiency of small and medium-sized enterprises, and adapting to the adjustment of bank credit structure and the changes of credit products, the single working capital loan guarantee will be expanded into loan guarantee, bill guarantee, trade financing guarantee, project performance guarantee, enterprise ten company loan guarantee and other varieties. , so as to realize the docking of bank insurance business varieties and the connection of service fields.
4. dredge cooperation channels. The company and the bank have established a mechanism for information exchange of business personnel and mutual visits of senior executives to promote in-depth cooperation under the principle of equality and mutual benefit; Reduce differences in cooperation, eliminate obstacles in cooperation, gradually realize spot loans from banks and speed up lending, and achieve "four synchronizations", namely, synchronization of investigation, approval, contract and funds.
Third, standardize the guarantee operation.
1. institutionalization of guarantee operation. Combined with the actual guarantee business, the company revised and improved a series of guarantee business rules and regulations such as business acceptance system, guarantee investigation system, risk assessment system and guarantee evaluation system. , standardize the guarantee process with the system, subdivide the guarantee links with the system, clearly investigate and evaluate the key points with the system, and improve the procedural rules with the system. Under the constraints of various systems, all staff will implement it independently to ensure smooth business process.
2. Guaranteed acceptance is open. The company set up a guarantee consultation telephone and information exchange platform to publicize the basic situation of guarantee, increase the transparency of guarantee business, realize zero-distance contact with enterprises, let enterprises prepare relevant guarantee materials in time, strive for enterprises to operate in compliance with the law, pay attention to the growth and tax contribution of enterprises, implement one-vote veto of credit, ensure strict guarantee access and prevent "illness from entering the mouth".
3. The guarantee investigation is specific. When the business personnel go deep into the enterprise field investigation, they must draw up the guarantee investigation scheme, conscientiously implement the principle of "double investigation, field inspection and true reflection", choose the investigation method combining internal and external, and grasp the core of the guarantee investigation, namely, one vote (tax bill), two quantities (logistics volume, cash flow), three products (products, people and mortgaged goods) and four tables (water meter, electric meter, payroll, etc.
4. Standardization of guarantee review. The company determines the main indicators of guarantee evaluation and formulates specific scoring standards, and implements "three-level" evaluation, that is, the risk control department reviews and analyzes the compliance and legality of the guarantee investigation to ensure the operability of the guarantee; The review meeting will comprehensively evaluate the guarantee project according to the review criteria to ensure that the guarantee risk is controllable; The chairman of the board makes the final decision on the guaranteed project to ensure the safety and efficiency of the guaranteed project are unified.
5. Ensure timely handling. The company integrates the procedures and formalities for handling guarantee business, and implements simplified internal and external procedures on the premise of ensuring the operational independence of guarantee business, that is, it takes no more than ten working days from accepting the application to issuing the letter of guarantee, so as to handle the business efficiently and quickly, and ensure the docking of bank insurance procedures and the timely arrival of loan funds.
Fourth, innovate the guarantee mode.
1, change the concept of guarantee. The company has established the business philosophy of "honesty-oriented, responsibility-oriented, and enterprise-centered" and the service tenet of "not taking profit as the main purpose, focusing on cultivating guarantee subjects and economic growth points", and promoting the development of guarantee business in enterprises with full service, so that enterprises can truly feel that the company is not only undertaking guarantee responsibility, but actually exporting a kind of integrity and service.
2. Release the safeguard function. First, export guaranteed credit, promote the interaction between banks and enterprises, fill the financing gap between banks and enterprises, improve the credit rating of enterprises, and let enterprises enter the "threshold" of bank access smoothly; The second is to enlarge the guarantee funds, incite the scale of bank credit, and pull the bank credit funds to tilt towards small and medium-sized enterprises; Third, relying on financing intermediaries, integrating the idle funds of shareholder enterprises, promoting mutual adjustment between enterprises and continuing the enterprise capital chain when the enterprise loan funds are not replenished in time.
3. Change the service mode. First, expand the coverage of guarantee, and break the limitation of the object of guarantee by enterprise scale and real estate collateral. As long as the enterprise has products, market, development prospects and certain social contributions, the company will spare no effort to provide security support. The insured enterprises have covered industries such as medicine and chemical industry, machinery and ships, building materials, business services, and agricultural and sideline products processing. The second is to promote guarantee services. In view of the "congenital deficiency" of financing for small and medium-sized enterprises, we should take advantage of the guarantee industry to actively provide financing guidance for enterprises, flexibly choose effective counter-guarantee measures such as real estate, projects under construction, expropriated land, equity, equipment, inventory and accounts receivable, help small and medium-sized enterprises overcome the "hard obstacle" of financing mortgage, design tailor-made financing schemes for enterprises, and improve the success rate of loans for small and medium-sized enterprises. The third is to establish a guarantee project reserve. The company investigates the financing situation of small and medium-sized enterprises in the city, understands the financing guarantee demand of enterprises, collects enterprise information and data, brings small and medium-sized enterprises that meet the basic conditions of guarantee, key enterprises determined by the municipal government, key projects and large taxpayers into the guarantee project reserve, gives priority to the acceptance of guarantees, and recommends them to banks in time, accurately grasps the time when enterprises spend money, and provides targeted guarantee support. The fourth is the public guarantee service commitment. The company earnestly implemented the major measures taken by the Municipal Party Committee to optimize the economic development environment and fulfilled the "six" service commitments: optimizing the guarantee operation process, simplifying the guarantee approval link, shortening the guarantee processing time, lowering the guarantee charging standard, warmly receiving the guarantee customers and ensuring the integrity of the guarantee work. By fulfilling its service commitment, the company has established a harmonious relationship between customers and enterprises and created a good financing guarantee environment.
Five, strengthen the supervision of guarantee.
1, specify the regulatory objectives. The guarantee business is risky. The company regards strengthening the supervision of the whole process of guarantee as an important means to prevent and control guarantee risks, determines risk elements, strictly controls risks, and strives to build a risk prevention and control system of "full participation, internal and external supervision, multi-party linkage and responsibility in place", which enhances employees' awareness of risk prevention and improves the company's ability to resist risks.
2. Implement regulatory responsibilities. The company has made it clear that all departments are independent responsible subjects, and implement source control and process control, and decompose the responsibility of guarantee supervision to departments and people, establish a guarantee risk early warning mechanism and regular reporting system, and implement guarantee performance appraisal.
3. Formulate regulatory measures. First, the counter-guarantee measures are put in place, insisting on real estate as the mainstay, supplemented by other counter-guarantee methods, which are easy to touch the core interests of the insured, implement the counter-guarantee mortgage registration and filing system, and handle compulsory notarization; Second, the post-warranty inspection is regular, and the company's business personnel conduct post-warranty inspection on the enterprise from time to time, at least once a month, so as to achieve "five things": business status report, financial data analysis, repayment ability evaluation, risk investigation record and risk emergency plan. Third, track the flow of funds. The company urges the enterprise to open a fund settlement account in the loan bank, sign an account supervision agreement, grasp the flow of funds in the enterprise account, ensure that the funds reach the special account one month before the enterprise expires, and accurately grasp the best repayment time of the enterprise.
4. Joint departmental sanctions. The company establishes a credit list of guarantee enterprises, regularly informs relevant functional departments and financial institutions of the bad records of enterprises, and increases the punishment for untrustworthy enterprises with the help of functional departments and social forces, and takes legal measures to enforce them when necessary.
Sixth, build a guarantee brand.
1, rectification and acceptance. According to the spirit of document 19991February 15 10. E-government office 4 1, with the document number of e-finance 3 1, the company has made serious self-examination and standardized rectification according to the national and provincial regulatory requirements. The company's operation has been recognized by industry authorities at all levels, and has been recognized as qualified by the assessment leading group.
2. Highlight the benefits of the guarantee. While paying attention to the improvement of its own benefits, the company pursues the maximization of social benefits. (1) Promote the rational flow of funds between banks and enterprises with financing credit, help small and medium-sized enterprises tide over financial difficulties, inject capital "blood" into small and medium-sized enterprises, and stabilize and expand a number of powerful enterprises, such as Schindler Pharmaceutical, Longxiang Pharmaceutical and Shunde Textile; (2) Support the investment promotion work of park construction services, incubate and promote a number of dynamic enterprises to settle in industrial parks, such as Jinli in Huaqiao Industrial Park and Jin Rong Chemical in Tianzhen Industrial Park New District; (3) Increase the support for agricultural and sideline products processing enterprises, promote the docking of leading enterprises in agricultural industrialization with farmers and bases, stimulate farmers to adjust the production structure of agricultural and sideline products, and activate the rural economy, such as Fukang Oil, Wanxing Noodle Industry and Dasong Food.
3. Show the company image. The company actively participated in various activities organized by the industry supervision department, strengthened the exchange of experience with peers, attracted relevant guarantee management departments and a number of guarantee companies in the province to study and inspect, and consolidated its position and influence in the guarantee industry in the province.
In the second half of the year, the company will focus on the guarantee target set by the Municipal Finance Bureau at the beginning of the year, actively pay attention to the tight monetary policy of the country, analyze the current situation faced by the guarantee industry, seize the opportunity of guarantee development, innovate the guarantee idea, broaden the guarantee horizon, correctly handle the relationship between preventing risks and promoting enterprise development, and further enhance the financing guarantee ability. Enrich the guarantee work force, improve the risk-taking mechanism and guarantee performance evaluation mechanism, ensure the company to achieve rapid development in steady operation, and promote the economic and social development of Wuxue.
Summary of the work of the investment and financing department in the middle of the year. The investment operation department is responsible for selecting new industries, new projects and new enterprises that conform to the national industrial policies and have good development prospects for the Group, conducting investment management on projects directly invested by the headquarters of the Group Company, and operating management of related business activities. With the support of the group leaders and the close cooperation of the relevant departments of the group, we have mainly done the following work:
1. Collect all kinds of information and look for projects with investment value (including reorganization and merger). From June 5438+0 to June 5438+00, more than 40 valuable investment projects were recommended for the Group. These projects cover national strategic emerging industries such as energy conservation and environmental protection, next-generation information technology, biology, high-end equipment manufacturing, new energy, new materials and new energy vehicles, as well as traditional industries with great investment value such as medicine and chemical industry, coal minerals and real estate finance.
2. Organize the investigation and demonstration of the project to be invested, evaluate the market value of the enterprise or project, and put forward the feasibility report of the investment enterprise or project. For more than ten investment projects that have been approved, the Investment Operation Department has extensively collected enterprise information and understood industrial policies through various channels, organized personnel to conduct financial and legal due diligence, and comprehensively evaluated the investment value and investment risk of enterprises.
3. Investment scheme design of the investment enterprise or project, including investment and financing mode, investment and financing scale, investment and financing structure and related cost and risk prediction. According to the overall strategy of the Group Development 1 Exhibition and the characteristics of the projects to be invested, the Investment Operation Department has designed the investment schemes for the two projects to be invested.
4. Apply for and declare the establishment and construction of investment enterprises or projects, and organize investment in the name of relevant subjects according to the decision, work summary and plan of the group company. Up to now, tens of millions of yuan have been invested in related projects.
5. Deliver and manage the assets invested by the group company (hereinafter referred to as managed assets). Including assets and liabilities, profit and loss, cash flow and other financial conditions; Market development, production management and other operating conditions; Organizational structure, talent team, labor productivity and other management conditions. Deliver assets to the acquired enterprise and manage assets and personnel during the transition period.
6. Complete other tasks assigned by the leaders of the group company. Including industry research arranged by group leaders, and writing relevant investment reports.
The basic concept of the investment operation department is: pioneering and innovative, forge ahead. On the basis of this year's work, we will focus on the following tasks:
1, continue to look for suitable investment projects.
2. Write an investment analysis report on the approved investment projects.
3. Conduct due diligence on the enterprise that decided to acquire.
4. Implement M&A and M&A equity delivery projects according to the investment agreement.
5. Manage the assets of the invested enterprise.
The first step in starting a business in Zhengzhou is stumbling, and many years of savings are wiped out. The pressure of reality forced me to be helpless and confused. Since June last year 165438+ 10, we have been attending various gathering activities to seek teachers and friends, taking part in systematic professional entrepreneurship training, and also cooperating with friends to organize cultural media and training consulting companies. Due to the serious shortage of its own strength and resources, the real dilemma is even worse. I was faced with two choices at that time. First, continue to look for jobs that you are good at. Although the immediate problem can be solved, my inner anxiety and uneasiness will only intensify and make me more miserable. The second is to reposition and plan yourself, choose and find a path that suits your long-term and short-term development, and complete the new transformation. Later, I realized that financing channels and fund management played a very important role and position in the whole entrepreneurial management process, so I made up my mind to invest in the field of investment and financing.
;