2008 Annual Report on China’s Guarantee Industry


CONTENTS

Chapter One The profile of guarantee industry 1
Section One Basic conception and relation of guarantee 1
First, concept of guarantee 1
Second, classification of guarantee 2
Third, characteristic of guarantee 4
Section Two The review of development course of guarantee industry in our country 5

Chapter Two Analysis of policy, laws and regulations of guarantee trade 11
Section One Analysis policy and law 11
First, limitation and innovation of property guarantee system of our country 11
Second, start "property law" movable property guarantee clause need improved and complete mechanism 17
Third, “Property law” realize five breakthrough of movable property guarantee 20
Fourth, 255 credit guarantee organization of small and medium–sized enterprises exempt from the business tax in the 3 years 21
Section Two Legal predicament and solving thinking of guarantee system of financing and accommodation bonds of our country 30
First, external legal system about financing and accommodation bonds guarantee 30
Second, the legal predicament of current guarantee system of financing and accommodation bonds of our country 46
Section Three Development trends of world guarantee system 58
First, the system reform of international movable property guarantee 58
Second, Japanese financial institution bear 20% little company loan guarantee 67
Third, system frame of managing business of foreign collateral 68

Chapter Three Guarantee trade market analysis 74
Section One Basic situation of market development 74
First, instauration mode of guarantee organization 74
Second, the current situation of guarantee organization's development 75
Third, subject problem existing in operation 76
Fourth, Countermeasure and suggestion of further development 79
Fifth, management benefit analysis of guarantee trade 81
Sixth, main risk analysis of guarantee industry 82
Section Two Current situation analysis of market development of guarantee trade 85
First, current situation analysis of market development of guarantee trade 85
Second, guarantee industry of China in the ascendant 97
Third, predicament analysis of investment & guarantee company 103
Fourth, guarantee chain initiates the achievement crisis 109
Fifth, the risk control of guarantee company 117
Sixth, the bull of guarantee industry of our country supervises troublingly 123
Seventh, survival investigation of membership system guarantee Company 125
Eighth, guarantee credits achieve prosperity 141

Chapter Four Development analysis of credit guarantee industry 147
Section One Development overview of credit guarantee 147
First, developing state and prospect of credit guarantee industry of our country 147
Second, development of credit guarantee call finance support 160
Section Two Construction of credit guarantee system of small and medium-sized enterprises 164
First, international experience of construction of credit guarantee system of small and medium-sized enterprises 164
Second, several question of credit guarantee of small and medium-sized enterprises 187
Third, economic essence and commercialized operation terms of credit guarantee of small and medium-sized enterprises 195
Fourth, thinking that improve the credit guarantee of small and medium-sized enterprises 208
Fifth, construction of the credit evaluation system of small and medium-sized enterprises 221
Section Three Current situation of the development of credit guarantee industry of small and medium-sized enterprises of our country 234
First,our country forms the multi-level credit guarantee system of small and medium-sized enterprises tentatively 234
Second, credit guarantee organization of small and medium-sized enterprises need support of tax revenue 236
Third, cooperative situation analysis of bank and guarantee 240
Fourth, State Development Bank support system construction of credit guarantee of small and medium-sized enterprises 246
Fifth, Zhongguancun scientific and technological enterprises can apply to no mortgage guarantee fiduciary loan 248
Sixth, Chongqing transplants " union guarantee " to settle the difficult problem of financing guarantee of industrial enterprise 249
Seventh, exempt from the business tax of 3 years for the loan guarantee of small and medium-sized enterprises in Hunan 250
Eighth, Liaoning Province finance and guarantee for the small and medium-sized enterprises 251
Ninth, the credit guarantee industry of Jilin Province offers strong support for private economy 253
Tenth, special guarantee fund of university students' innovative undertaking issue 255

Chapter Five Development of guarantee of real estate project 258
Section One Development overview of real estate project guarantee 258
First, state of foreign construction contract guarantee 258
Second, development and reference of U.S.A. construction contract guarantee system 262
Third, procedure of project guarantee business 273
Fourth, introduction of construction contract guarantee business 274
Fifth, loan guarantee of development of real estate 275
Sixth, the guarantee form of the real estate loan 281
Section Two Development trends of project guarantee industry 285
First, Shanxi pursue project construction guarantee system by force in 2007 285
Second, Henan introduce construction project guarantee system 286
Third, Hangzhou project guarantee system begin to pursue by force 288
Fourth, foreign capitals enter curve guarantee real estate 289

Chapter Six Development of personal credit guarantee 293
Section One Operation of guarantee organization in U.S.A.'s family education loan and meaning in the national student loans of our country 293
First, loan scheme of the federal family education (FFELP) 294
Second, operation of federal family education loan scheme and function of guarantee organization 296
Third, main content of guarantee organization financial report 299
Fourth, new way that guarantee organization cooperate with American federal government 303
Fifth, enlightenment that U.S.A. federal family education guarantee organization give to operation of State-subsidized student loan guarantee of our country 306
Section Two Development of small guarantee loan of all parts 308
First, development course of small guarantee loan 308
Second, Beijing reduce threshold of small guarantee loan, simplify the examination and approval procedures 310
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 achievements 313
Fifth, the upper limit of personal small loan of Sichuan-Tibet advance to 50,000 yuan 318
Sixth, Guangzhou offer the small guarantee loan of venture for the most needy graduates of local students source 321
Seventh, Chongqing bank cooperate with government to innovate guarantee loan mode give financial aid to students 322
Eighth, have released the small guarantee loan totally ten billion at home 323
Section Three Development analysis of other guarantee business 325
First, question and countermeasure that guarantee loan of rural credit office exist 325
Second, development lesson of Model DB supplementary pension guarantee 330
Third, investigation and thinking of present loan mortgage guarantee work 337
Fourth, lease guarantee vie for car loan market 342

Chapter Seven Guarantee enterprise's analysis 345
Section One The competitions analysis of guarantee trade 345
First, The regional distribution of the credit guarantee trade and structural characteristic of guarantee business variety 345
Second, lifespan analysis of guarantee trade 345
Third, barrier analysis of guarantee trade 347
Fourth, guarantee organization need promote one's own organizational behavior competitiveness 348
Fifth, the top ten credit guarantee organization of small and medium-sized enterprises with strongest influence power of the whole country 353
Section Two Institutional framework of guarantee organization 361
Section Three Analysis of especial guarantee organization 364
First,China National Investment & Guaranty Co., Ltd. 364
Second, Zhongtou credit guarantee Co., Ltd. 371
Third, China Credit orienwise guarantee group Limited Company 373
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 company 399
Ninth, Shenzhen Huarong investment & guarantee Co., Ltd. 412
Tenth, Credit guarantee centre of small and medium-sized enterprises of Shenzhen 415
Section Four The trend that overseas-funded enterprise enters guarantee trade at home 421
First, the first real estate guarantee company of foreign capitals established in Beijing 421
Second, U.S.A. Silicon Valley bank beaches in the guarantee industry of Shenzhen 422
Third, credit guarantee organization of small and medium–sized enterprises of Shenzhen hand in hand with Bank of East Asia Ltd. for the first time 423
Fourth, the first foreign capitals guarantee enterprises will enter in Fuzhou 424
Fifth, the first Taiwan trader guarantee company opens ice 425

Chapter Eight Current situation of the development of guarantee industry of all parts of the country of 2007 431
Section One Current situation of the development of guarantee industry of Guangdong Province 431
First, Guangdong guarantee trade it is large but not strong 431
Second, guarantee organization in Zhuhai includes in the financing platform of the four in one for the first time 435
Third, 80% registered capital of guarantee company in Zhuhai is the folk capital 436
Section Two Current situation of the development of guarantee organization in Beijing 438
Section Three Current situation of the development of guarantee industry of Zhejiang 440
First, the guarantee industry of Zhejiang breaks out of the encirclement 440
Second, the nongovernmental fund of guarantee industry of Ningbo is surged 445
Section Four Current situation of the development of guarantee trade of Jiangsu Province 450
First, Nanjing privateo guarantee company enters in " spring " gradually 450
Second, Changzhou guarantee trade makes up deficits 453
Third, Zhangjiagang innovates risks allocation way of guarantee organization 454
Section Five Current situation of the development of guarantee industry of Sichuan Province 456
First, Sichuan " root of the grass " guarantee that becomes " the climate " gradually 456
Second, great inventory of guarantee industry of Sichuan of 2006 459
Section Six Current situation of the development of credit guarantee industry of Shanxi 468
First, the subject problem that the credit guarantee industry of Shanxi stores 469
Second, the policy recommendations and countermeasure measure that develop credit guarantee industry of Shanxi 471
Section Seven Current situation of the development of other areas guarantee industry 478
First, Ningxia guarantee solve loan difficulty of small and medium-sized enterprises 478
Second, the first guarantee company involving agriculture is established in Henan Province 481
Third, current situation of the development of guarantee trade in Hunan Province 482
Fourth, analysis of the predicament of the credit guarantee of small and medium-sized enterprises of Gansu 487
Fifth, offshore funds enter the guarantee industry of Chongqing for the first time 489
Sixth, Fuzhou forms the trans-regional financing guarantee system of small and medium-sized enterprises tentatively 491
Seventh, Qingdao guarantee market " intensify " go on 495
Eighth, outstanding problem that Xinjiang guarantee trade exist in 2006 500
Ninth, current situation and outlet of guarantee of small and medium-sized enterprises of Shanghai 502

Chapter Nine Development trend analysis of guarantee industry 511
First, build up credit guarantee system tentatively 511
Second, guarantee that develop towards specialization, commercialized direction 511
Third, guarantee from cooperating in moving towards amalgamating 512
Fourth, the performance guarantee in e-commerce trade become new development opportunity of China guarantee industry 512
Fifth, securitisation of real estate loan creditor's rights and real estate mortgage guarantee assets offer the new opportunity for guarantee industry 512
Sixth, developing trend of six respects of guarantee industry of our country 513

Chapter Ten Development tactics and suggestion of guarantee trade 515
First, developmental proposition of guarantee trade 515
Second, construct the guarantee inside control system of state-run listed company and 516
Third, commercial bank how should new regulation that company guarantee outside 526
Fourth, how to realize the guarantee property of account receivable 536
Fifth, the research of financial risk precaution that listed company guarantee outside 539
Sixth, the countermeasure research that improve the credit guarantee system of small and medium-sized enterprises of our country 547
Seventh, analyse and explain the crisis of guarantee industry 558

CHART CONTENTS
Chart: The list of credit guarantee organization of small and medium–sized enterprises which exempt from the business tax 22
Chart: The list of credit guarantee organization of small and medium–sized enterprises which cancel the qualification of exempting from the business tax earlier stage 28
Chart: All kinds of of our country guarantee organization's quantity and proportion in 2004 151
Chart: The whole world successful guarantee system 165
Chart:Global credit guarantee system 166
Chart: The investment share that bank participates in guarantee system to build the national bank 173
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 world 182
Chart: Development of credit guarantee organization of small and medium–sized enterprises of our country of 2005-2006 235
Chart: The development of credit guarantee organization of small and medium–sized enterprises of Zhejiang Province, Jiangsu Province in 2006 245
Chart: The management benefit of credit guarantee organization of small and medium–sized enterprises of Zhejiang Province, Jiangsu Provincel in 2006 246
Chart: The development of credit guarantee organization of small and medium–sized enterprises of Jilin Province in the first half of 2007 255
Chart: Types and characteristics of U.S.A.'s federal family education loan 296
Chart: The relation of critical rate,releases time of loan and compensates rates 301
Chart: Rate relation that loan release time and guarantee organization can keep after retrieving loan 302
Chart: Our country typical organization of guarantee trade 362
Chart: Institutional framework of Shenzhen guarantee centre of small and medium-sized enterprises 362
Chart: Credit orienwise Group's institutional framework 363
Chart: Institutional framework of Zhongguancunscience and technology guarantee company 364
Chart: Institutional framework of China National Investment & Guaranty Co., Ltd. 367
Chart: China National Investment & Guaranty Co., Ltd. staff's academic structure 367
Chart: China National Investment & Guaranty Co., Ltd. staff's professional title structure 368
Chart: China National Investment & Guaranty Co., Ltd. staff’s guarantee experience 368
Chart: Guarantee total value of China National Investment & Guaranty Co., Ltd. in 1994-2005 370
Chart: Guarantee remaining sum of China National Investment & Guaranty Co., Ltd. in 1994-2005 370
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 2007 375
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 Shenzhen 418
Chart: Principle that credit guarantee centre of small and medium-sized enterprises of Shenzhen make business systems 418
Chart: Business variety of credit guarantee centre of small and medium-sized enterprises of Shenzhen 419
Chart: Concise business procedure of credit guarantee centre of small and medium-sized enterprises of Shenzhen 420
Chart: Overview of credit guarantee organization of small and medium–sized enterprises of national and Guangdong of 2005 432
Chart: Development of credit guarantee organization of small and medium–sized enterprises of Guangdong of 2005 432
Chart: Development of Beijing guarantee trade in 2006 438
Chart: The guarantee procedure of state-run listed company of our country 520
Chart: Risk early warning flow diagram of guarantee enterprises 525
Chart: Control procedure that guarantee enterprises fulfil related compensation responsibility 526