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1、南充美信服务有限责任公司南充美信服务有限责任公司 MicroCred Nanchong2008年12月 December 2008MicroCred Nanchong December 20082内容内容ContentsA.美信集团美信集团MicroCred GroupB.南充美信南充美信Company OverviewC.公司治理公司治理GovernanceD.运作模式运作模式 Business Model E.产品产品ProductsF.融资需求融资需求 Financing NeedsMicroCred Nanchong December 20083A美信集团美信集团 MicroCred
2、GroupMicroCred Nanchong December 20084A.美信集团美信集团 MicroCred Group美信集团是一家致力于创建微型金融服务机构的投资公司，通过创建微型融资 银行和小额贷款公司，向无从获得传统金融服务的低收入微小企业提供金融服 务。MicroCred is an investment company with a mission to create a group of microfinance banks and companies offering financial services to low-income entrepreneurs excl
3、uded from the traditional financial sector. 美信集团现已在墨西哥、马达加斯加、塞内加尔和中国等地设立了4家子公司 ，专业从事小额贷款业务。MicroCred has been operating in Mexico, Madagascar, Senegal and China. 4 subsidiarieshave been set for micro finance practice.MicroCred Nanchong December 20085A. 美信集团美信集团 MicroCred Group美信集团是由沛丰协会、世界银行国际金融公司、比
4、利时安盛集团和法国兴业银 行投资设立，法国开发署和欧洲投资银行于2007年加入美信集团成为其股东。MicroCred was founded by PlaNet Finance and a group of shareholders including SocitGnrale, Axa Belgium, and the International Finance Corporation. The European Investment Bank (EIB) and the French Development Agency (AFD) joined the initial shareholdi
5、ng structure in February 2007.MicroCred Nanchong December 20086A. 美信集团美信集团 MicroCred Group美信集团为其小额贷款子公司提供管理服务和技术援助服务：MicroCred S.A. provides management services and technical assistance to its microfinance companies, including：?全套方法和程序，包括：Complete set of methodologies and procedures, covering：经营管理（贷
6、款，存款，汇兑，保险等业务）Operations (credit and savings, money transfer, insurance etc.)行政、财务管理和报告程序Administration, finance and reporting 审计和风险监控Audit and risk monitoring人力资源管理Human resources 沟通和营销Communication and marketing toolsMicroCred Nanchong December 20087A. 美信集团美信集团 MicroCred Group? 为所有员工提供培训Training p
7、rogram for all staff 为客户经理提供理论和实践培训Theoretical and practical trainings for loan officers 为行政人员提供实务培训Practical trainings for administrative and supporting staff 中高层管理人员专业指导及培训Personal coaching of senior and middle management staffMicroCred Nanchong December 20088A. 美信集团美信集团 MicroCred Group?持续技术援助Cont
8、inuous technical support for高层管理者能力提升Capacity building plan for top management 新产品开发Development of new products网络扩张Network expansion ?审计和财务支持Audit and financial support贷款担保Debt guarantee 内部审计Internal audit 风险控制Risk management ?管理信息系统Management Information System提供、实施管理信息系统Implementation of the MIS信息
9、系统培训和支持MIS training and supportMicroCred Nanchong December 20089B南充美信南充美信 Company OverviewB.I法律地位 Legal StatusB.II使命和价值观 Mission and ValueB.III股东 ShareholdersMicroCred Nanchong December 200810B. 南充美信南充美信 Company OverviewB.I 法律地位法律地位 Legal Status公司创立: 南充美信于2007年9月3日在四川省工商管理局注册成立, 并于2007年10月24日发放了第一笔贷
10、款。Legal Foundation: MicroCred Nanchong was legally registered on 3 Sept 2007 and disbursed its first loans on 24 Oct 2007.法律地位: 南充美信是一个非银行,非金融机构的贷款公司。 Legal Status: MC Nanchong is a non-bank, non- financial institution.世界银行行长罗伯特B 佐利克先生宣布南充美信开业 Mr. RobertBZoellick at Opening Ceremony of Microcred Nan
11、chongMicroCred Nanchong December 200811B. 南充美信南充美信 Company OverviewB.II 使命和价值观使命和价值观 Mission and Value南充美信的使命:南充美信的使命:向无法获得传统金融服务的微小型企业、农户和个体工商户提供贷款服务。南充美信为支持微小型企业、农户和个体工商户的发展，为其提供信用、担保和抵押方式的贷款产品。MicroCred Nanchongs mission is Offer funding services to Chinese micro and small entrepreneurs and rural
12、 households typically excluded from the traditional financial sectors. The company provides secured and unsecured loans to support the growth of micro and small businesses. MicroCred Nanchong December 200812B. 南充美信南充美信 Company OverviewB.II 使命和价值观使命和价值观 Mission and Value南充美信的价值观南充美信的价值观追求透明和诚实、效率和质量并
13、重、坚持客观和公正、为客户提供优质服务、注重社会和环保责任、是客户可信赖的合作伙伴。MicroCred Nanchongs ValueTransparency and Honesty Efficiency and Quality Objective and Fair Excellence in customer service Social and Environmental Responsibility Trustworthy PartnerMicroCred Nanchong December 200813B. 南充美信南充美信 Company OverviewB.III 股东股东 Sha
14、reholders美信中国有限责任公司 MicroCred China Limited （Registered in Hong Kong）南充美信服务有限责任公司南充美信服务有限责任公司 MicroCred Nanchong （Registered in China）MicroCred Nanchong December 200814B. 南充美信南充美信 Company OverviewB.III 股东股东 Shareholders美信集团（MicroCred S.A.）于2007年2月发起设立美信中国。MicroCred SA (MC S.A.) created MicroCred Chi
15、na in Feb 200.世界银行国际金融公司（IFC)于2007年12月15日加入美信中国成为其股东。The International Finance Corporation (IFC) became shareholder of MicroCred China on 15th December 2007德国复兴信贷银行和美国国际集团于2008年6月30日加入美信中国并成为 其股东。KfW and AIG became shareholders of MicroCred China on 30th June 2008MicroCred Nanchong December 200815C公
16、司治理公司治理 Governance C.I组织结构 Organization ChartC.II 高管人员 Senior Management TeamC.III 员工 StaffMicroCred Nanchong December 200816C.公司治理公司治理 Governance C.I 组织结构组织结构 Organization Chart General AssemblyBoard of DirectorsOperations ManagerAdmin& Finance ManagerAudit CommitteeInternal AuditorLoan OfficerClient advisorCashierAccountantHR OfficerBranch ManagerAssistant/ ReceptionistCashier & Admin Assistant IT ManagerGeneral DirectorCoordinatorLegal A
