37 investigation report 1
Dear leader:
I. Basic information of the borrower
1. Introduction of the borrower's identity
The borrower, female, is 42 years old, with ID number: and home address: Room 21, Gate 3, Floor 21, Zone Park, xx City, xx Province. Spouse:, ID number:. Since they got married, the relationship between husband and wife is harmonious and the family life is stable. At present, the aquatic products wholesale market is engaged in frozen aquatic products business, and the merchants are individual industrial and commercial households.
the borrower opened a settlement account with our bank earlier to handle the settlement business. Hold, our dual-currency credit card, debit card, and deposit time savings deposit.
2. The borrower's assets and liabilities
The borrower now has personal assets of 4.5 million yuan, and the annual rental income is 18, yuan. A set of villas in xx District of this city, covering an area of 28 square meters and worth 2.3 million yuan (with real estate license and land certificate attached); There is a set of commercial shops in Daopedestrian street, with a construction area of 18 square meters and a value of 2.2 million yuan. Now it is rented to xx Hospital for use. The contract lease period is 1 years (2xx.9.1-2xx.8.31) and the annual rental income is 18, yuan (with property right certificate, land certificate and lease contract).
after inquiring about the personal credit report, the borrower made a loan of 8, yuan in his original personal commercial house with a term of 5 years, which has been settled with no bad records.
II. Operating conditions of the borrower
The borrower has been engaged in the frozen aquatic products business in the X market since 2xx, mainly focusing on wholesale shrimp, decapitated shrimp and shrimp meat, supplemented by supplying aquatic products to hotels. In the course of more than ten years' operation, the borrower has operated in good faith, formed a certain business scale, and established stable purchase channels and sales channels. Among them, there are 35 wholesale customers, mainly from Dalian, Shenyang and Qinhuangdao. There are 38 retail customers, mainly, and so on. Rent two 8-square-meter cold storages in the aquatic products wholesale market, with more than 2 varieties worth more than 2 million yuan (see the inventory list for details). Calculated from the business flow of savings passbook, bank card and other accounts provided by the borrower, the average monthly sales is 1.2 million yuan, the monthly net profit is about 1, yuan, and there are 8 employees. From January to July this year, the sales revenue has reached 8 million yuan and the net profit has reached 7, yuan.
its aquatic products purchase channels are mainly Beijing, Guangdong and other places. These products are sold to our city, and other large hotels, hotels and secondary wholesalers. The frozen aquatic products operated by the borrower have a large scale in our city, occupying a certain market share and having a good reputation.
iii. financial status of the borrower
the borrower has opened an account with our bank since the early 199s, and has no record of default. As the borrower is an individual industrial and commercial household, the tax payment is mainly fixed tax, with an annual tax payment of 12, yuan. Therefore, it is impossible to make a specific analysis from the borrower's financial data, but only from its sales list and purchase documents to analyze its specific operating conditions. Through the specific inspection of the bill, the borrower operates according to law and pays taxes in time. First of all, from the sales situation in the first seven months of this year, the accumulated sales income has reached 8 million yuan and the net profit has reached 7, yuan. Secondly, from the commercial store lease contract signed by the borrower, the borrower realizes the rental income of 18, yuan per year, which is also a relatively stable income. In addition, according to its inventory list and on-the-spot investigation, the inventory is about 2 million yuan. Combined with the income from operating aquatic products and rental income, the borrower creates benefits of about 1.3 million yuan every year. The above data shows that the borrower has strong sales ability and repayment ability.
iv. purpose and reason of the loan
the loan is mainly used to purchase aquatic products and increase the inventory of commodities. Due to the strong sales season of aquatic products. It has entered the peak sales season around the "Eleventh" period. The demand of old customers is growing steadily, and new customers are increasing. In 2xx, new customers include large and medium-sized hotels and hotels. With the increase of new customers, it is necessary to increase the purchase volume and inventory. It is planned to purchase about 1.5 million yuan of various aquatic products (mainly shrimps). The borrower has raised 6, yuan by itself, and the remaining 9, yuan will be settled by a loan from our bank for a period of one year. The principal and interest of the bank loan will be repaid with sales income and profits.
v. collateral status
the borrower takes my commercial real estate and land use right located at No.2 Road Pedestrian Street in xx District as collateral for this loan. This property is a two-story frame commercial property facing the street, which was built in 2xx with a construction area of 18 square meters. Property Ownership CertificateNo.: xx F.Q.Zi No.5135292; Design purpose: commerce, property: private property. Land use right certificate number: Guo Yong (2xx) No.28; Area of the right to use: 62 square meters, purpose: commerce, type of the right to use: assignment, termination date: August 16th, 2xx. Collateral is close to the road, with superior geographical location, convenient transportation, rapid appreciation and strong liquidity. Appraised by X Real Estate Appraisal Co., Ltd., the present value of the property at the appraisal time is 1.899 million yuan, with an average unit price of 1,55 yuan/m2; The present value of the land on the appraisal date: 33,8 yuan, with an average unit price of 4,9 yuan/m2, and the total real estate value of 2,22,8 yuan, with a mortgage rate of 4.86%, which is in line with the loan regulations of the Bank.
the property is now leased for use, and the lessee is used to operate xx hospital. The lease term is 1 years (from September 1, 2xx to August 31, 2xx), and the annual rent is 18, yuan. The lessee agrees that the Bank will give up the lease right when disposing of the property.
VI. Conclusion
After investigation, the borrower has stable operation, good sales, integrity, good moral character, repayment ability and sufficient sources of second repayment, and has opened a deposit settlement account and debit card account in our bank, which meets the requirements of our personal short-term operating loan. It is agreed to grant him a loan of 9, yuan for one year, and the benchmark interest rate will rise by 4%, that is, 14.58%. Issuing this loan can increase our interest income by 9, yuan × 1.458% = 94, yuan, repay the loan principal and interest with commodity sales income and profits, and use the commercial real estate and land use right under the name of X people as collateral for this loan.
account manager's statement: as the account manager of the borrower, I have made a face-to-face interview and written record of the customer as required, carefully verified the identity of the customer, the willingness to borrow, the purpose of borrowing and the authenticity of the loan transaction, informed the borrower of the loan responsibility, and made a comprehensive investigation and understanding of the loan situation of the customer. All the information reported to the borrower is true, accurate and effective, and the evaluation follows the principle of objectivity and fairness. At the same time, I declare that the borrower is not my related party.
if it is correct, please ask the zero loan association for approval.
It is hereby reported that
37 investigation report on xx, xx, XX
2
According to incomplete statistics, more than 75% of college students have had part-time experience, and millions of college students across the country have become a huge labor market. At the same time, some illegal companies and intermediaries take advantage of students' lack of social experience to defraud intermediary fees. Walking in the quiet university campus, you will surely see all kinds of advertisements on the walls, billboards and windows. Is it an opportunity or a temptation? Facing the urgent recruitment, recruitment and tutor information? Where should we go from here? For this reason, this journal, in conjunction with the reporter group of Southern Agricultural News Agency, made a wide-ranging questionnaire and online survey on the part-time job status of college students.
In this survey, we * * * distributed 2 questionnaires and recovered 171 valid questionnaires, with an effective rate of 85.5%. The number of online questionnaire views is nearly 1, which has generated positive response in various university forums. On this basis, we have made the following analysis, hoping to help the majority of students who want to do or are already doing part-time jobs.
Most of boys take part-time jobs to exercise themselves
The distribution ratio of men and women and grades in this questionnaire survey can be said to be representative. First of all, the ratio of men and women is 52.% and 48.% respectively. There are interesting differences between male and female students in the main purpose of part-time jobs: 43.9% of the male students are engaged in part-time jobs for money, while 53.9% are female students; Boys take part-time jobs to exercise themselves, accounting for 52.4% of the total number of boys surveyed, while the figure for girls is 41.5%.
Most of the boys choose to take part-time jobs to exercise themselves. In sharp contrast, most of the girls take part-time jobs to make money. The psychological counselor of the Academic Affairs Office said: It may be that boys are more farsighted, and he added: It may be because the proportion of girls is relatively large and there are relatively many poor students.
In the distribution of grades, sophomores and juniors are the main body, which is basically due to the consideration of the reality: freshmen have just stepped into the university gate for a long time, and there are not many people with part-time experience. At the same time, senior students are busy with their own futures and graduation is imminent, so it is difficult to carry out the survey.
Attention should be paid to students' legal rights
Among the students surveyed, 165 people answered the question about the time of their first part-time job, and 6 people did not. Among the students who answered questions, 57.% started to take part-time jobs as freshmen. For the first time to find a part-time job, most students still work through a student part-time intermediary. In the survey, this proportion accounts for 45.%, while 24.%, 18.1% and 9.9% are introduced by classmates, found by themselves, and worked part-time in schools.
comparing two of the data, the reporter found that there is a problem that can't be ignored: 57% of the students have worked part-time since their freshman year, and at the same time, 45.% of the students have found jobs for the first time through a part-time student agency. As far as the above two data are concerned, in fact, the whole student part-time intermediary is still quite marketable. However, the intermediary market is mixed, and how to effectively protect the part-time interests of college students is a big problem. The survey shows that nearly 5% of the students who have worked part-time have not been cheated, but as many as 4% of the students have been cheated.
For students who encounter this problem, the most direct solution is to call the 11 or 315 consumer meeting. Generally, for the sake of long-term operation, the intermediary will return the agency fee as long as the relevant departments intervene. People in the legal profession remind students that it is best to sign a contract with an intermediary and pay attention to some details. If there is no problem, it is best not to pay the agency fee easily to prevent being fooled.
Only 133 students answered the question about the number of part-time jobs, and 33 students didn't. According to the survey results, the students who have the most part-time jobs are as many as 1 times, while the average number of part-time jobs is 2.33, and most students have only done part-time jobs once.
Family education and work-study programs are the most secure
As for how to coordinate the relationship between part-time job and study, among the students surveyed, 17 people answered the question "Have you ever skipped classes to do part-time job?". Among the students who answered the questions, 31.2% said they had skipped classes, which shows that the proportion in cut class is still quite high. It seems that how to coordinate the relationship between part-time jobs and cut class cannot be ignored. In the cut class frequency survey of students in cut class mentioned in the above question, 65 people answered, and 16 people did not. From the 65 people who answered, most of them chose very few, accounting for 64.6%. In addition, 26.2% said that their cut class frequency was average (once or twice a week), and 9.2% said that they often cut class (more than three times a week).
Most seniors advise students who plan to do part-time jobs. Learning is the most important thing in college. Part-time jobs are also worth doing if they have spare time to learn, and exercise is the main thing. Long-term part-time, preferably during winter vacation or summer vacation.
In addition, tutor and work-study program are selected as the most stable part-time jobs, which are paid by parents and schools, so they have high credibility and are the best choice for part-time jobs. Promotion has become the most effective part-time job, and many part-time experts also practice from promotion, so if the main purpose of your part-time job is to exercise yourself, then promotion is undoubtedly the best choice.
37 investigation report 3
About education and teaching investigation report 1
Our school has xx classes with xx teachers and xx students. Since the activity of studying and practicing Scientific Outlook on Development, I have made a comprehensive understanding of the school situation, especially the new curriculum education and the basic situation of teachers, through observation, understanding, lectures, conversations, discussions and inspections. Now I report the relevant investigation as follows:
1. Highlights and hopes
1. The relationship between teachers and students is democratic and harmonious.
first of all, the teachers are more approachable. Teachers use information such as language, posture, expression, eyes, gestures and even interpersonal distance to maintain emotional communication with students, and build a good teaching emotional field in the classroom, so that students are in a free and comfortable psychological state. Secondly, teachers' awareness of listening has been obviously strengthened. Teachers' tendency of "discourse hegemony" in the dialogue situation has been greatly changed, and most teachers can listen carefully to students to express their opinions. Students have a sense of being valued and cared for, and their desire for self-expression is even stronger.
Thirdly, the sense of cooperation between teachers and students is more distinct. We are delighted to see that in the process of teaching, teachers go deep among students, bend down to communicate with students and fiddle with learning tools. The situation of cooperation is no longer limited to knowledge itself, but has risen to the equal treatment of teachers and students in personality and spirit, which is the cultivation of democratic and equal consciousness.
2. Teaching methods have changed quietly.
First, the extensive use of games has brought great vitality to the classroom. One way is to play games in a certain part of teaching combined with teaching content. The second is to set the whole class as a game situation. The three-dimensional goals are well integrated, and the whole class is full of interest and seamless.
Second, teachers have made many useful explorations in advocating independent, inquiry and cooperative learning methods. It is embodied in the idea that students are the main body of learning and development, and teachers consciously change from the master of teaching activities to the guide, organizer, participant, server and promoter of learning activities.
3. Teaching evaluation tends to be diversified.
First of all, the goal and diversity of learning evaluation are reflected. Teachers' evaluation can involve many factors such as cognitive development, the content of learning activities, language forms, thinking quality, non-intellectual factors and so on. Secondly, the forms of learning evaluation are also very rich, especially the language evaluation as the main form of evaluation, which makes people fully feel the changes in teaching mentality brought by the curriculum reform. It's amazing that you can say something different from others! "Don't panic, the teacher believes you can say it." "Your question is very valuable, great! The teacher is proud of you. " ..... True feelings boast strengths, euphemistically refer to weaknesses, and tolerance, encouragement and expectation have become the main theme of classroom evaluation.
4. Teaching resources have been expanded.
In the past, teaching materials were used as the only resources of the curriculum, but this survey found that teachers set up new courses.