2008 Annual Report on China’s Guarantee Industry

2008 Annual Report on China’s Guarantee Industry

2008 Annual Report on China’s Guarantee Industry

CONTENTS

Chapter One The profile of guarantee industry1
Section One Basic conception and relation of guarantee1
First, concept of guarantee1
Second, classification of guarantee2
Third, characteristic of guarantee4
Section Two The review of development course of guarantee industry in our country5

Chapter Two Analysis of policy, laws and regulations of guarantee trade11
Section One Analysis policy and law11
First, limitation and innovation of property guarantee system of our country11
Second, start "property law" movable property guarantee clause need improved and complete mechanism17
Third, “Property law” realize five breakthrough of movable property guarantee20
Fourth, 255 credit guarantee organization of small and medium–sized enterprises exempt from the business tax in the 3 years21
Section Two Legal predicament and solving thinking of guarantee system of financing and accommodation bonds of our country30
First, external legal system about financing and accommodation bonds guarantee30
Second, the legal predicament of current guarantee system of financing and accommodation bonds of our country46
Section Three Development trends of world guarantee system58
First, the system reform of international movable property guarantee58
Second, Japanese financial institution bear 20% little company loan guarantee67
Third, system frame of managing business of foreign collateral68

Chapter Three Guarantee trade market analysis74
Section One Basic situation of market development74
First, instauration mode of guarantee organization74
Second, the current situation of guarantee organization's development75
Third, subject problem existing in operation76
Fourth, Countermeasure and suggestion of further development79
Fifth, management benefit analysis of guarantee trade81
Sixth, main risk analysis of guarantee industry82
Section Two Current situation analysis of market development of guarantee trade85
First, current situation analysis of market development of guarantee trade85
Second, guarantee industry of China in the ascendant97
Third, predicament analysis of investment & guarantee company103
Fourth, guarantee chain initiates the achievement crisis109
Fifth, the risk control of guarantee company117
Sixth, the bull of guarantee industry of our country supervises troublingly123
Seventh, survival investigation of membership system guarantee Company125
Eighth, guarantee credits achieve prosperity141

Chapter Four Development analysis of credit guarantee industry147
Section One Development overview of credit guarantee147
First, developing state and prospect of credit guarantee industry of our country147
Second, development of credit guarantee call finance support160
Section Two Construction of credit guarantee system of small and medium-sized enterprises164
First, international experience of construction of credit guarantee system of small and medium-sized enterprises164
Second, several question of credit guarantee of small and medium-sized enterprises187
Third, economic essence and commercialized operation terms of credit guarantee of small and medium-sized enterprises195
Fourth, thinking that improve the credit guarantee of small and medium-sized enterprises208
Fifth, construction of the credit evaluation system of small and medium-sized enterprises221
Section Three Current situation of the development of credit guarantee industry of small and medium-sized enterprises of our country234
First,our country forms the multi-level credit guarantee system of small and medium-sized enterprises tentatively234
Second, credit guarantee organization of small and medium-sized enterprises need support of tax revenue236
Third, cooperative situation analysis of bank and guarantee240
Fourth, State Development Bank support system construction of credit guarantee of small and medium-sized enterprises246
Fifth, Zhongguancun scientific and technological enterprises can apply to no mortgage guarantee fiduciary loan248
Sixth, Chongqing transplants " union guarantee " to settle the difficult problem of financing guarantee of industrial enterprise249
Seventh, exempt from the business tax of 3 years for the loan guarantee of small and medium-sized enterprises in Hunan250
Eighth, Liaoning Province finance and guarantee for the small and medium-sized enterprises251
Ninth, the credit guarantee industry of Jilin Province offers strong support for private economy253
Tenth, special guarantee fund of university students' innovative undertaking issue255

Chapter Five Development of guarantee of real estate project258
Section One Development overview of real estate project guarantee258
First, state of foreign construction contract guarantee258
Second, development and reference of U.S.A. construction contract guarantee system262
Third, procedure of project guarantee business273
Fourth, introduction of construction contract guarantee business274
Fifth, loan guarantee of development of real estate275
Sixth, the guarantee form of the real estate loan281
Section Two Development trends of project guarantee industry285
First, Shanxi pursue project construction guarantee system by force in 2007285
Second, Henan introduce construction project guarantee system286
Third, Hangzhou project guarantee system begin to pursue by force288
Fourth, foreign capitals enter curve guarantee real estate289

Chapter Six Development of personal credit guarantee293
Section One Operation of guarantee organization in U.S.A.'s family education loan and meaning in the national student loans of our country293
First, loan scheme of the federal family education (FFELP)294
Second, operation of federal family education loan scheme and function of guarantee organization296
Third, main content of guarantee organization financial report299
Fourth, new way that guarantee organization cooperate with American federal government303
Fifth, enlightenment that U.S.A. federal family education guarantee organization give to operation of State-subsidized student loan guarantee of our country306
Section Two Development of small guarantee loan of all parts308
First, development course of small guarantee loan308
Second, Beijing reduce threshold of small guarantee loan, simplify the examination and approval procedures310
Third, non-performing loan rate of small guarantee loan of Changsha city reach 12%312
Fourth, small guarantee loan of Jilin Province have made brilliant achievements313
Fifth, the upper limit of personal small loan of Sichuan-Tibet advance to 50,000 yuan318
Sixth, Guangzhou offer the small guarantee loan of venture for the most needy graduates of local students source321
Seventh, Chongqing bank cooperate with government to innovate guarantee loan mode give financial aid to students322
Eighth, have released the small guarantee loan totally ten billion at home323
Section Three Development analysis of other guarantee business325
First, question and countermeasure that guarantee loan of rural credit office exist325
Second, development lesson of Model DB supplementary pension guarantee330
Third, investigation and thinking of present loan mortgage guarantee work337
Fourth, lease guarantee vie for car loan market342

Chapter Seven Guarantee enterprise's analysis345
Section One The competitions analysis of guarantee trade345
First, The regional distribution of the credit guarantee trade and structural characteristic of guarantee business variety345
Second, lifespan analysis of guarantee trade345
Third, barrier analysis of guarantee trade347
Fourth, guarantee organization need promote one's own organizational behavior competitiveness348
Fifth, the top ten credit guarantee organization of small and medium-sized enterprises with strongest influence power of the whole country353
Section Two Institutional framework of guarantee organization361
Section Three Analysis of especial guarantee organization364
First,China National Investment & Guaranty Co., Ltd.364
Second, Zhongtou credit guarantee Co., Ltd.371
Third, China Credit orienwise guarantee group Limited Company373
Fourth, China economic technological investment guarantee Co., Ltd.383
Fifth, Beijing Zhongguancun science and technology guarantee Co., Ltd.392
Sixth, Beijing Capital investment guarantee Co., Ltd.393
Seventh, Guangdong Yinda guarantee investment group Co., Ltd.394
Eighth, Guangdong Join-share guarantee investment limited company399
Ninth, Shenzhen Huarong investment & guarantee Co., Ltd.412
Tenth, Credit guarantee centre of small and medium-sized enterprises of Shenzhen415
Section Four The trend that overseas-funded enterprise enters guarantee trade at home421
First, the first real estate guarantee company of foreign capitals established in Beijing421
Second, U.S.A. Silicon Valley bank beaches in the guarantee industry of Shenzhen422
Third, credit guarantee organization of small and medium–sized enterprises of Shenzhen hand in hand with Bank of East Asia Ltd. for the first time423
Fourth, the first foreign capitals guarantee enterprises will enter in Fuzhou424
Fifth, the first Taiwan trader guarantee company opens ice425

Chapter Eight Current situation of the development of guarantee industry of all parts of the country of 2007431
Section One Current situation of the development of guarantee industry of Guangdong Province431
First, Guangdong guarantee trade it is large but not strong431
Second, guarantee organization in Zhuhai includes in the financing platform of the four in one for the first time435
Third, 80% registered capital of guarantee company in Zhuhai is the folk capital436
Section Two Current situation of the development of guarantee organization in Beijing438
Section Three Current situation of the development of guarantee industry of Zhejiang440
First, the guarantee industry of Zhejiang breaks out of the encirclement440
Second, the nongovernmental fund of guarantee industry of Ningbo is surged445
Section Four Current situation of the development of guarantee trade of Jiangsu Province450
First, Nanjing privateo guarantee company enters in " spring " gradually450
Second, Changzhou guarantee trade makes up deficits453
Third, Zhangjiagang innovates risks allocation way of guarantee organization454
Section Five Current situation of the development of guarantee industry of Sichuan Province456
First, Sichuan " root of the grass " guarantee that becomes " the climate " gradually456
Second, great inventory of guarantee industry of Sichuan of 2006459
Section Six Current situation of the development of credit guarantee industry of Shanxi468
First, the subject problem that the credit guarantee industry of Shanxi stores469
Second, the policy recommendations and countermeasure measure that develop credit guarantee industry of Shanxi471
Section Seven Current situation of the development of other areas guarantee industry478
First, Ningxia guarantee solve loan difficulty of small and medium-sized enterprises478
Second, the first guarantee company involving agriculture is established in Henan Province481
Third, current situation of the development of guarantee trade in Hunan Province482
Fourth, analysis of the predicament of the credit guarantee of small and medium-sized enterprises of Gansu487
Fifth, offshore funds enter the guarantee industry of Chongqing for the first time489
Sixth, Fuzhou forms the trans-regional financing guarantee system of small and medium-sized enterprises tentatively491
Seventh, Qingdao guarantee market " intensify " go on495
Eighth, outstanding problem that Xinjiang guarantee trade exist in 2006500
Ninth, current situation and outlet of guarantee of small and medium-sized enterprises of Shanghai502

Chapter Nine Development trend analysis of guarantee industry511
First, build up credit guarantee system tentatively511
Second, guarantee that develop towards specialization, commercialized direction511
Third, guarantee from cooperating in moving towards amalgamating512
Fourth, the performance guarantee in e-commerce trade become new development opportunity of China guarantee industry512
Fifth, securitisation of real estate loan creditor's rights and real estate mortgage guarantee assets offer the new opportunity for guarantee industry512
Sixth, developing trend of six respects of guarantee industry of our country513

Chapter Ten Development tactics and suggestion of guarantee trade515
First, developmental proposition of guarantee trade515
Second, construct the guarantee inside control system of state-run listed company and516
Third, commercial bank how should new regulation that company guarantee outside526
Fourth, how to realize the guarantee property of account receivable536
Fifth, the research of financial risk precaution that listed company guarantee outside539
Sixth, the countermeasure research that improve the credit guarantee system of small and medium-sized enterprises of our country547
Seventh, analyse and explain the crisis of guarantee industry558

CHART CONTENTS
Chart: The list of credit guarantee organization of small and medium–sized enterprises which exempt from the business tax22
Chart: The list of credit guarantee organization of small and medium–sized enterprises which cancel the qualification of exempting from the business tax earlier stage28
Chart: All kinds of of our country guarantee organization's quantity and proportion in 2004151
Chart: The whole world successful guarantee system165
Chart:Global credit guarantee system166
Chart: The investment share that bank participates in guarantee system to build the national bank173
Chart: Elarge multiple of guarantee organization of some developing country or economic country (set up more than 3 years)181
Chart: The guarantee system with higher multiple enlarge in the world182
Chart: Development of credit guarantee organization of small and medium–sized enterprises of our country of 2005-2006235
Chart: The development of credit guarantee organization of small and medium–sized enterprises of Zhejiang Province, Jiangsu Province in 2006245
Chart: The management benefit of credit guarantee organization of small and medium–sized enterprises of Zhejiang Province, Jiangsu Provincel in 2006246
Chart: The development of credit guarantee organization of small and medium–sized enterprises of Jilin Province in the first half of 2007255
Chart: Types and characteristics of U.S.A.'s federal family education loan296
Chart: The relation of critical rate,releases time of loan and compensates rates301
Chart: Rate relation that loan release time and guarantee organization can keep after retrieving loan302
Chart: Our country typical organization of guarantee trade362
Chart: Institutional framework of Shenzhen guarantee centre of small and medium-sized enterprises362
Chart: Credit orienwise Group's institutional framework363
Chart: Institutional framework of Zhongguancunscience and technology guarantee company364
Chart: Institutional framework of China National Investment & Guaranty Co., Ltd.367
Chart: China National Investment & Guaranty Co., Ltd. staff's academic structure367
Chart: China National Investment & Guaranty Co., Ltd. staff's professional title structure368
Chart: China National Investment & Guaranty Co., Ltd. staff’s guarantee experience368
Chart: Guarantee total value of China National Investment & Guaranty Co., Ltd. in 1994-2005370
Chart: Guarantee remaining sum of China National Investment & Guaranty Co., Ltd. in 1994-2005370
Chart: Main credit guarantee business of China National Investment & Guaranty Co., Ltd.371
Chart: The area that Credit orienwise guarantee group Limited Company have already set up the organization by June of 2007375
Chart: The institutional framework of Guangdong Yinda guarantee investment group Co., Ltd.397
Chart: Examination and award or punish mechanism of credit guarantee centre of small and medium-sized enterprises of Shenzhen418
Chart: Principle that credit guarantee centre of small and medium-sized enterprises of Shenzhen make business systems418
Chart: Business variety of credit guarantee centre of small and medium-sized enterprises of Shenzhen419
Chart: Concise business procedure of credit guarantee centre of small and medium-sized enterprises of Shenzhen420
Chart: Overview of credit guarantee organization of small and medium–sized enterprises of national and Guangdong of 2005432
Chart: Development of credit guarantee organization of small and medium–sized enterprises of Guangdong of 2005432
Chart: Development of Beijing guarantee trade in 2006438
Chart: The guarantee procedure of state-run listed company of our country520
Chart: Risk early warning flow diagram of guarantee enterprises525
Chart: Control procedure that guarantee enterprises fulfil related compensation responsibility526

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