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[abstract] recently, Shanghai housing property guarantee co., ltd. made a big move to set up a real estate financing guarantee company, a guarantee agency specializing in financing services for small and medium-sized enterprises. So far, 16 Banks have given credit, with a total of 5.1 billion yuan, providing a convenient way for financing of smes.

A few days ago, Shanghai housing property guarantee co., ltd. made a big move to set up a guarantee agency, real estate financing guarantee company, which provides financing services for small and medium-sized enterprises. The city's provident fund loan guarantee and most commercial mortgage guarantee, housing property guarantee companies are firmly "clutched in the hand", should be "free from worry." Why should choose to open up sme financing guarantee business?
According to statistics, up to now, Shanghai housing property guarantee co., ltd. has provided guarantee for over 1 million housing provident fund loans in Shanghai, 80,000 commercial loans in total, and over 70,000 mortgages and staged guarantee for housing transaction business in total. But these are good times, and it's hard to conceal a sense of crisis. In 2000, under the impetus of the ministry of housing construction, the housing real estate guarantee institutions mushroomed in all provinces and cities across the country. For more than a decade, many organizations have quietly switched careers or gotten into trouble. Although Shanghai real estate guarantee benefits from Shanghai real estate market, its own positive innovation, still thriving business, has been the industry leader, but the lip is dead. They cannot help asking themselves: if the provident fund loan guarantee system is abolished, what will tomorrow?
The way out is in the market. Four years ago, the housing property guarantee proposed to "walk on two legs" : the personal housing loan guarantee cannot be released, while actively exploring new market-oriented business. However, new business should not be separated from the guarantee of "old business", but also have a huge market space and the opportunity to play the social responsibility of state-owned enterprises. The result of coordinate focus is the financing guarantee business of smes.
However, the transition from personal guarantee business to enterprise guarantee business is not so simple as recruiting personnel and setting up branches. The hardest thing is to learn to control risks. Relevant person in charge of guaranty of housing house property says, the guaranty that does accumulation fund loan before is "sit toward the south", individual initiative submit data, and full and true can check, have sufficient house property to make pledge again, risk is lower. And doing small business financing guarantee is totally not so easy.
The financial statements and other information of small and medium-sized enterprises are incomplete and involve complicated industries. This not only requires the business personnel to run the scene, check the inventory and look at the accounts, but also understand the characteristics of the industry. Otherwise, the business becomes a mine. The staff gave an example. A red wine sales company applied for a loan of several hundred thousand yuan from the bank and mortgaged a batch of red wine to the house property guarantee company. The home ownership guarantee not only has to be difficult to value for the wine, but it also has to oversee the collateral, which is placed separately, adjusted to maintain the quality of the wine. Although the business is done, but the housing property guarantee is also "not sleep at night" : small enterprises financing hundreds of thousands of yuan, but more than a thousand insurance premiums, but once there is risk, the enterprise loan will get housing property guarantee all "eat into".
In recent years, the company has been stepping up its efforts to support small and micro-sized enterprises. It has developed a variety of innovative financing products, such as small-sized collective bills, professional market mutual insurance, funds and trusts, and has provided over 6.4 billion yuan of financing guarantee for over 1,300 small and micro-sized enterprises in the city. With the rapid development of business, the real estate guarantee company quickly detected the problem again. Small business is very risky, if happen accident, may affect accumulation fund loan guarantee, and latter will affect citizen directly, two kinds of business should give segregation. Therefore, the housing property guarantee decided to set out the original sme financing guarantee business division and establish an independent licensing operation.
Within just over two months after its establishment, Shanghai real estate financing guarantee co., ltd. has successfully provided credit guarantee loans totaling 13.5 million yuan to the first batch of 30 micro-enterprises of e-commerce type. The first batch of 30 enterprises involved trade, manufacturing, production and other industries, with an average credit line of 450,000 yuan. So far, 16 Banks have given credit, with a total of 5.1 billion yuan, providing a convenient way for financing of smes.

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The risk department and business department of Shanghai pudong development bank shenzhen branch conducted a comprehensive review on the investment guarantee of rongletong, which was unanimously approved by the quota review committee, and the new project guarantee amount of 50 million yuan was granted to ronghe engineering guarantee co., LTD. This marks the further deepening of the cooperative relationship between the company and the pudong development bank of Shanghai, as well as the firm support and sincere trust given to the company. All the employees of our company will be full of passion, forge ahead with determination and continuous innovation, and strive to bring value to customers, Shanghai pudong development bank, employees themselves and shareholders of the company. We sincerely thank Shanghai pudong development bank for its support!

Internal capacity:
After the closing of the central economic work conference, "a line of three" - the people's Bank of China, the China Insurance Regulatory Commission, the China Banking Regulatory Commission, the China Banking Regulatory Commission to quickly respond to convey the spirit of the central economic work conference, research and deployment of the implementation of the relevant work.
People's Bank of China: to maintain a reasonable growth in the scale of social financing
The people's Bank of China held a meeting of Party committees in the afternoon of December 14th to convey the spirit of the meeting, and to study the relevant work of the people's Bank of China.
Meeting proposed to continue to implement a prudent monetary policy, and further enhance policy targeted, flexible and forward-looking, accurate grasp of the intensity, rhythm and focus, in accordance with the total modest, prudent and flexible, directed support requirements, the use of a variety of monetary policy tools to adjust monetary and credit, maintain social financing scale reasonable growth.
Meeting the requirements, we should focus on optimizing the credit structure, increasing emphasis on social and economic areas and weak links, especially the three rural, small and medium enterprises, affordable housing support efforts to better serve the real economy, continue to improve the RMB exchange rate formation mechanism to maintain the basic stability of the RMB exchange rate, strengthen and improve financial services and management level, continue to deepen financial reform, and effectively prevent and resolve various potential financial risks.
CIRC: broaden the regulatory perspective judged the situation
At the China Insurance Regulatory Commission held a meeting in December 14th, the China Insurance Regulatory Commission Chairman Xiang Junbo requirements, we must focus on strengthening and improving the insurance supervision, and promote the smooth and healthy development of the insurance industry.
Xiang Junbo pointed out, conscientiously implement the spirit of the central economic work conference, to broaden their horizons, judged the situation. To realize that the development of modern finance and insurance industry is developing with each passing day, the insurance supervision must continue to broaden the international perspective and establish a global awareness. To always keep in mind the insurance, jump out of the insurance, the supervision of the higher levels and more broad latitude to grasp the law of insurance regulation.
Xiang Junbo said, to conscientiously sum up the work, a clear next year and nearly a period of work ideas, and constantly improve the ability and level of innovation, and constantly improve the sustainable development of China's Insurance industry.
Commission: the firm confidence to promote the stable and healthy development of the capital market
December 14th afternoon, the China Securities Regulatory Commission held a central group (expanded) learning conference, to convey the spirit of the central economic work conference. Party secretary Guo Shuqing, chairman of the securities and futures regulatory system to study and implement the spirit of the meeting made clear that the current and future work of a period of time to make specific arrangements.
Guo Shuqing said that the central economic work conference in the deployment of next year's economic work, to play a positive role in the capital market, to effectively prevent and resolve the potential financial risks. At the same time, we should deepen the reform of key areas and key links, improve the multi-level capital market. Securities and futures regulatory system will focus on the theme of scientific development and accelerate the transformation of economic development mode of the main line, and actively implement the "Twelfth Five Year" plan for the deployment, continuous innovation and reform, development, supervision and service concept, and strive to overcome the internal and external adverse factors, to promote the healthy development of the market. To serve the economic and social development as the starting point and the end result, pay more attention to the top-level design and overall planning of the capital market reform, reflecting the concept of fair participation in the market parties, pay more attention to maintain good, to achieve the legitimate rights and interests of investors, people-oriented, coordinated development. Unswervingly deepen reform and innovation, and gradually strengthen the small and medium enterprises, three rural, innovative and entrepreneurial activities of securities and futures services, and constantly improve the institutional mechanisms for the capital market to serve the real economy, and actively expand the coverage and capacity of the capital market, to accelerate the transformation of economic development, and promote economic development and make greater contribution.
CBRC: adherence to risk the bottom line
In the China Banking Regulatory Commission will be held on December 14 meeting, the CBRC Chairman Shang Fulin stressed that to in accordance with the central deployment of the economic work next year, unity of thinking, confidence situation to strengthen analysis and judge, improve the effectiveness of supervision, adherence to risk the bottom line, and efforts to promote the banking industry to improve the level of financial services, to better serve the real economy development.
Shang Fulin stressed that the implementation of the central economic work conference spirit, the current focus on doing the following work:
One is to strictly observe the risk of the bottom line, constantly improve risk prevention system, strengthen the external supervision and internal control, and raise their ability to manage and control risks.
Two is to promote commercial banks to further deepen reform, accelerate product and service innovation, and further improve the ability and level of service entities economy, in particular, to strengthen the small and micro enterprises and the three rural financial services, supporting economic development in the midwest. Further optimize credit structure, "has to maintain pressure", continue to strictly control the "two highs and one left industry loan support strategic emerging industries, promote the adjustment of economic structure.
Three is to actively cooperate with the relevant departments to crack down on illegal financial activities, maintain normal financial order.

Internal capacity:
The new weather, our good news pouring. Shenzhen small and medium enterprises in by the strict inspection of the Company limited by guarantee, the division through the review, become a strategic partner of Shenzhen City SME financing Company limited by guarantee. February 18, 2011, the Secretary and the Shenzhen SME Financing Guarantee Co., Ltd. signed a "cooperation agreement", both sides with the purpose of complementary advantages, benefit sharing, risk sharing principle of engineering guarantee business in-depth cooperation. Shenzhen small and medium enterprise financing Company limited by guarantee for the Shenzhen municipal government guarantee business platform for Shenzhen City, city, the most qualified Guarantee Corporation, Shenzhen Guarantee Industry Association, and Shenzhen hundreds of banks have business cooperation, wind control system in the industry's most advanced, and Shenzhen City SME financing Company limited by guarantee strategic cooperation, marking the division performance and payment business is no longer subject to geographical, guarantee period, and the company is convinced that with the deepening of cooperation, will give the two sides fruitful cooperation. I wish a successful cooperation!

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Dear friends, ronghe project guarantee is a professional engineering guarantee company. Currently, the business scope of the company is very professional, which is limited to engineering tender guarantee, performance guarantee, advance payment guarantee, payment guarantee and credit certificate, etc., but no other business varieties are available. But recently, many social swindlers, took a fancy to harmony of engineering guarantee good social reputation, often with harmony, in the name of the engineering guarantee for so-called one month in advance the interest of loan fraud, also called for a high credit card fraud, the unison all colleague again, this kind of fraud activities have nothing to do with our company, please pay attention to a netizen screened, beware deceived. Ronghe project guarantee regards credit as the foundation of enterprise's establishment, in the spirit of being responsible for the vast number of net friends, hereby issues this solemn statement. The project guarantee also advised the fraudsters, you do not do this kind of harm, as long as the project guarantee has the opportunity, will cooperate with the police to bring you to justice!

Shanghai pudong development bank branch visited our division
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The branch of pudong development bank in the central area of shenzhen sent commissioners to visit our company, and provided on-site guidance on large amount of tender guarantee business, performance guarantee business, advance payment guarantee business, payment guarantee business and risk control matters of our company, and put forward many pertinent Suggestions. The risk management personnel and the business manager of the division responded strongly and benefited a lot. They were determined to absorb many valuable experience and lessons put forward by the bank leaders and carry them out in future work to improve the company's risk resistance. All colleagues of the division also express sincere thanks to the sub-branch leaders for their care and support, and firmly believe that with the bank's care and support, all colleagues of the division will be able to make continuous progress!