307 Investigation Report Part 1
Dear Leader:
1. Basic Information of the Borrower
1. Introduction to the identity of the borrower
The borrower, female, 42 years old, ID number:, home address: Room 201, Gate 3, Floor 210, Park 210, xx District, xx City, xx Province. Spouse:, ID number:. Since the two got married, their relationship as husband and wife has been harmonious and their family life has been stable. Currently, the aquatic products wholesale market is engaged in the frozen aquatic products business, and the merchants are individual industrial and commercial households.
The borrower opened a settlement account with our bank earlier and handled settlement business. Hold dual-currency credit cards and debit cards from our bank, and have fixed savings deposits.
2. The borrower’s asset and liability status
The borrower currently has personal assets of 4.5 million yuan and realizes annual rental income of 180,000 yuan. There is a villa in xx District of this city, covering an area of ??208 square meters, worth 2.3 million yuan (with real estate certificate and land certificate); there is a commercial store house in Dao Pedestrian Street, with a construction area of ??180 square meters, worth 2.2 million yuan, now rented For use by xx Hospital, the contract period is 10 years (20xx.9.1-20xx.8.31), and the annual rental income is 180,000 yuan (with property rights certificate, land certificate, and lease contract).
After checking the "Personal Credit Report", the borrower originally had a personal commercial housing loan from another bank, with an amount of 800,000 yuan and a term of 5 years. It has been settled and has no bad records.
2. The borrower’s operating conditions
The borrower has been operating a frozen aquatic products business in the x market since 20xx, mainly wholesale of head-on shrimp, headless shrimp, and shrimp meat. Supplementary by supplying aquatic products to restaurants. In the course of more than ten years of operation, the borrower has operated with integrity, 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 including, etc. We rented two 80-square-meter cold storage spaces in the aquatic product wholesale market, with an inventory of more than 20 varieties worth more than 2 million yuan (see inventory list for details). Calculated from the business flow of savings passbooks, bank cards and other accounts provided by the borrower, the average monthly sales are 1.2 million yuan, the monthly net profit is about 100,000 yuan, and there are currently 8 employees. From January to July this year, it has achieved sales revenue of 8 million yuan and net profit of 700,000 yuan.
Its aquatic products purchase channels are mainly from Beijing, Guangdong and other places. These products are sold to large restaurants, hotels and secondary wholesalers in our city. The frozen aquatic products operated by the borrower are large-scale in our city, occupy a certain market share, and have a good reputation.
3. The borrower’s financial status
The borrower has opened an account with our bank since the early 1990s and handled settlement business, and has no record of default. Since the borrower is an individual industrial and commercial household, the main tax payment is fixed tax, with an annual tax of 12,000 yuan. Therefore, it is impossible to make a detailed analysis from the borrower's financial data. We can only analyze its specific operating conditions from its sales list and purchase documents. Through detailed inspection of the bills, the borrower operates in accordance with the law and pays taxes in a timely manner. First of all, judging from the sales situation in the first seven months of this year, it has achieved a cumulative sales revenue of 8 million yuan and a net profit of 700,000 yuan. Secondly, looking at the commercial store lease contract signed by the borrower, the borrower achieved rental income of 180,000 yuan per year, which is also a relatively stable income. In addition, according to its inventory list and field investigation, the inventory amount is about more than 2 million yuan. Combined with the income from operating aquatic products and rental income, the borrower can create benefits of about 1.3 million yuan every year. The above data shows that the borrower has strong sales ability and repayment ability.
4. Purpose and reasons for borrowing
The borrowing is mainly used to purchase aquatic products and increase commodity inventory. Due to the strong sales season of aquatic products. The sales season has entered around the National Day holiday. The demand from old customers is growing steadily, and new customers are constantly increasing. The new customers in 20xx include large and medium-sized restaurants and hotels such as XXXX.
With the increase of new customers, it is necessary to increase the purchase volume and inventory. It is planned to purchase various aquatic products (mainly shrimps) for about 1.5 million yuan. The borrower has self-raised 600,000 yuan, and the remaining 900,000 yuan is borrowed from our bank. Settlement, with a term of one year, to repay the principal and interest of the bank loan with sales revenue and profits.
5. Collateral status
The borrower uses his commercial property and land use rights located at No. 2 Pedestrian Street, xx District Road as the collateral for this loan. The property is a two-story frame structure street-facing commercial property built in 20xx with a construction area of ??180 square meters. Real estate certificate number: xx City Real Estate Certificate No. 513050292; Design use: commercial, industry type: private real estate. Land use right certificate number: Guoyong (20xx) No. 0028; use right area: 62 square meters, purpose: commercial, use right type: transfer, termination date: August 16, 20xx. The mortgage is close to the road, with a superior geographical location, very convenient transportation, rapid appreciation, and strong liquidity. According to the evaluation by The value is 2.2028 million yuan and the mortgage rate is 40.86, which complies with our bank's loan regulations.
The property is currently leased for use by the lessee to operate xx Hospital. The lease term is 10 years (September 1, 20xx to August 31, 20xx), and the annual rent is 180,000 yuan. The lessee agrees that our bank will give up the lease right when disposing of the property.
6. Conclusion
After investigation, the borrower has stable operations, good sales, integrity, good moral character, has the ability to repay, has sufficient secondary repayment sources, and has Our bank has opened a deposit settlement account and a debit card account, which meet the conditions of our bank's personal short-term operating loans. We agree to grant a loan of 900,000 yuan with a term of one year. The interest rate will be increased by 40% from the benchmark interest rate, that is, 10.458%, and it will be paid monthly. Interest and one-time repayment of principal upon maturity. The issuance of this loan can increase the interest income of our bank by 900,000 yuan × 10.458% = 94,000 yuan. The principal and interest of the loan will be repaid with commodity sales income and profits. The commercial real estate and land use rights under the name of x person are used as the basis for this loan. Collateral.
Statement from the account manager: As the account manager of the borrower, I have interviewed and recorded the customer in accordance with the regulations, and the customer’s identity, willingness to borrow, purpose of the loan, and authenticity of the loan transaction Careful verification was carried out, the borrower was notified of the loan responsibilities, and the relevant circumstances of the customer's loan were comprehensively investigated and understood. All the information submitted by the borrower is true, accurate and valid, and the assessment is made in accordance with the principles of objectivity and fairness. The above The content of the report is true and the loan issuance business is safe and reliable. At the same time, I declare that the borrower is not my related party.
If it is appropriate, please ask the Retail Loan Association for approval.
Hereby report
On xx, xx, year
307 Survey Report 2
According to incomplete statistics, more than 75% of college students All have had part-time experience. Millions of college students across the country have become a huge labor market. At the same time, some unscrupulous companies and intermediaries take advantage of students' lack of social experience to defraud intermediary fees. Walking on the campus of Jingjing University, you will definitely see all kinds of advertisements on the walls, publicity boards, and windows. Is it an opportunity or a temptation? Faced with urgent recruitment, recruitment, and tutoring information, where should we go? To this end, this magazine has joined forces with Nanjing Agricultural University The news agency's reporter team conducted an extensive questionnaire and online survey on the part-time job status of college students.
In this survey, we distributed 200 questionnaires and received 171 valid questionnaires, with an effective rate of 85.5. The online questionnaire has nearly 1,000 views and has generated positive responses in various university forums. Based on this, we have made the following analysis, hoping to be helpful to the majority of students who want to do or are already working part-time jobs.
Most boys work part-time jobs to train themselves
In this questionnaire survey, the distribution ratio of men and women and grades can be said to be relatively representative. First of all, the proportion of men and women is respectively 52.0 and 48.0; there are very interesting differences in the main purposes of part-time jobs between boys and girls: boys do part-time jobs for money, accounting for 43.9 of the total number of boys surveyed, while the number for girls is 53.9; boys work part-time jobs to exercise their , accounting for 52.4 of the total number of boys surveyed, and this figure for girls was 41.5.
Most of the boys choose to work part-time to train themselves. In sharp contrast, most of the girls work part-time to make money. The psychological counselor of the Academic Affairs Office said: It may be that boys have more foresight. At the same time, he added: Maybe it is because the proportion of girls is larger and there are relatively more poor students.
As for the distribution of grades, it is mainly sophomores and juniors. This is basically out of consideration of the actual situation: freshmen have just entered university and have part-time experience. There are not many people. At the same time, it is difficult for senior students to conduct surveys because they are busy with their own futures and are about to graduate.
The legal rights of students need to be taken seriously
Among the students surveyed, 165 people answered the question about the time when they first worked part-time, and 6 people did not. answer. Among the students who responded, 57.0 students started working part-time during their freshman year. When looking for a part-time job for the first time, most students still go through a student part-time job agency. In the survey, this proportion accounted for 45.0, while those who found a part-time job through classmate introductions, themselves, or school work-study were 24.0, 18.1, and 9.9 respectively. .
Comparing the two data, the reporter found that there is a problem hidden in it that cannot be ignored: 57% of the students started working part-time since their freshman year, and at the same time, 45.0% of the students started working part-time as students for the first time. Looking for a job through an agency. Judging from the above two data, in fact, there is still quite a market for student part-time agencies. However, the intermediary market is a mixed bag, and how to effectively protect the interests of college students’ part-time jobs is a big problem. The survey shows that nearly 50% of students who have worked part-time have not been deceived, but as many as 40% of students have been defrauded.
For students who encounter this problem, the most direct solution is to call 110 or 315 Consumer Council. Generally, for the sake of long-term operation, intermediaries will return the agency fee as long as the relevant departments intervene. Legal professionals remind students that it is best to sign a contract with an agency and pay attention to some details. If there are no problems, it is best not to pay the agency fee easily to avoid being cheated.
Regarding the question about the number of part-time jobs, only 133 students answered the question, and 33 students did not answer the question. Judging from the survey results, the students who have done the most part-time jobs are as many as 10 times, while the average number of part-time jobs is 2.33. The vast majority of students have only done one part-time job.
Tutoring and work-study are the most secure options
As for how to coordinate the relationship between part-time work and study, among the students surveyed, on whether they had skipped classes to work part-time, 170 people answered the question and 1 person did not. Among the students who answered the questions, 31.2% said they had skipped classes. It can be seen that the proportion of skipping classes is still quite high. It seems that how to coordinate the relationship between part-time jobs and skipping classes cannot be ignored. In the survey on the frequency of skipping classes among students mentioned in the previous question, 65 people answered the question and 106 people did not. Judging from the 65 people who answered, most people chose very few, accounting for 64.6%. In addition, 26.2% said they skipped school frequently (once or twice a week), and 26.2% said they often skipped school (three times a week). Above) accounted for 9.2.
Most seniors advise students who plan to do part-time work that study is the most important thing in college. Part-time work is worth doing if you have enough energy to study, and it is mainly about exercise. Long-term part-time jobs are best taken during winter or summer vacation.
In addition, tutoring and work-study are selected as the most stable part-time jobs. Tutoring and work-study are paid by parents and schools, so they are more reliable and can be regarded as the best choice for part-time jobs.
Promotion has become the most effective part-time job, and many part-time masters also started from promotion. Therefore, if your purpose of part-time job is mainly to train yourself, then promotion is undoubtedly the best choice.
307 Survey Report Part 3
About Education and Teaching Survey Report
Education and Teaching Survey Report Part 1
Our school has on-the-job teachers xx There are xx people in the teaching class and xx students. Since the launch of the activity of learning and practicing the Scientific Outlook on Development, I have had a relatively comprehensive understanding of the school situation, especially the new curriculum education and teaching and the basic situation of teachers through observation, understanding, listening to classes, conversations, discussions, inspections, etc. The relevant research report is 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 language, body posture, expressions, eyes, gestures and even interpersonal distance and other information to maintain emotional spiritual communication with students, build a good teaching emotional field in the classroom, and put students in an unfettered and comfortable psychological state. Secondly, teachers’ listening awareness has been significantly enhanced. In dialogue situations, teachers’ tendency of “discourse hegemony” has been greatly changed, and most teachers can listen carefully to students expressing their opinions. Students have a sense of being valued and cared for, and their desire for self-expression becomes stronger.
Once again, teachers and students have a clearer sense of cooperation. We are delighted to see teachers going deep among students during the teaching process, leaning down to discuss problems with students and playing 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' personality and spirit, which is the cultivation of democratic equality consciousness.
2. Teaching methods have quietly evolved.
First, the extensive use of games brings great vitality to the classroom. The first way is to combine the teaching content with games in a certain link of teaching. The second is to set the entire class into a game situation. The three-dimensional objectives are well integrated, making the whole class interesting and integrated.
Second, teachers have made many useful explorations in advocating independent, inquiry, and cooperative learning methods. Specifically reflected in the concept that students are the main subjects of learning and development, teachers consciously transform from being the master of teaching activities to being the guide, organizer, participant, server and promoter of learning activities.
3. Teaching evaluation tends to be diversified.
First of all, the goals and diversity of learning evaluation are reflected. Teacher evaluation can involve many factors such as cognitive development, content of learning activities, language form, thinking quality, non-intellectual factors, etc. Secondly, there are also many forms of learning assessment, especially language assessment, which is the main form of assessment, allowing people to fully feel the changes in teachers’ teaching mentality brought about by the curriculum reform. For example: "It's amazing that you can express your opinions that are different from others!" "Don't panic, the teacher believes you can express yourself." "The questions you asked are valuable, great! The teacher is proud of you."... Sincere praise of strengths and euphemistic criticism of shortcomings, tolerance, encouragement, and expectations have become the main theme of classroom evaluation.
4. Teaching resources have been expanded.
In the past, teaching materials were regarded as the only resources of the curriculum, and teaching materials were taught based on teaching materials. However, this survey found that teachers have established a new curriculum view and regard themselves, students, texts, and the environment as the basis for curriculum development. resources and actively utilize the school’s conditions to carry out teaching activities. In teaching, we base ourselves on teaching materials, but also go beyond teaching materials, extend the value of teaching materials, pay attention to the complementarity between in-class and extra-curricular, and emphasize interdisciplinary learning.
5. Pay attention to cultivating students’ innovative consciousness.
Classroom teaching regards lesson plans as presets and the process as dynamic. Encourage students to discover problems by themselves, solve problems from multiple angles, allow students to have different understandings of answers, give students as much space as possible to think divergently, and cultivate students' awareness of independent innovation. In classroom teaching, students are willing to ask questions, dare to ask questions, are good at asking questions, have the courage to express their own opinions, and dare to challenge the teaching materials and teachers. Students' subjective consciousness is forming.
2. Problems and shortcomings
1. Insufficient understanding and grasp of the teaching materials.
A small number of teachers do not study the teaching materials at all, and their educational concepts have not fundamentally changed. Using old teaching materials with new teaching materials and relying on old experience rarely reflects the awareness of innovation. Because teachers fail to connect teaching materials with life, society, nature, and activities, and lack a macro grasp of key points, difficulties, and knowledge structures, classroom teaching appears rigid.
2. Teachers’ classroom management capabilities still need to be improved.
Curriculum reform requires teachers to make lessons lively, but this will make classroom teaching difficult. Some teachers don't know how to deal with the "unrecoverable" situation in the classroom, causing the classroom to "lose control" and affecting the teaching effect. And some teachers go too far in the classroom, making the classroom atmosphere dull and students' learning mood low, which also affects the teaching effect.
3. Blind pursuit of innovation in teaching forms.
Cooperative learning has taken off, and cooperation has replaced students’ independent thinking. Judging from the survey, there have been many instances of cooperation in classroom teaching. Regardless of whether the question has value or whether there are clear learning tasks, students are asked to cooperate without being given a method of cooperation. This is essentially a waste of teaching resources and a waste of time. Valuable teaching time, students will not get real experience. At the same time, since students have a communication environment and face each other, they inevitably tease each other. Their study energy cannot be concentrated and their attention is distracted from listening to the lecture. This kind of cooperative teaching is ineffective.
4. Unable to properly grasp the relationship between expressing personality and cultivating good study habits.
In the classroom, we saw that teachers turned a deaf ear to some basic habits of students. In some classes, some students do not abide by classroom disciplines, which makes the entire classroom learning environment and atmosphere very unsatisfactory, affecting the learning of most students. During the discussion and exchange, some teachers believed that frequently raising requirements on students' learning behaviors and habits in class would constrain the development of students' personality, run counter to the concept of curriculum reform, and affect the teaching of teaching content.
5. Multimedia cannot be used reasonably for teaching.
The effective use of multimedia courseware to assist teaching is worthy of promotion, but some teachers regard the use of multimedia teaching as a fashion and only pursue it in form, which is counterproductive. If the courseware production is not precise, the content of the courseware will not play a big role in this lesson, and the "heat" of the courseware will not be grasped well. In addition, some teachers are still unable to master the production and proper use of multimedia courseware, which should be taken seriously.
6. Some teachers have the same old teaching methods.
During the survey, it was found that some teachers do not have a strong awareness of curriculum reform and there is no obvious difference from traditional teaching. In classroom teaching, some teachers cannot let go. They always feel that there are some things that cannot be taught without teaching, for fear of students I don’t understand; originally asking a question can completely give students something to say, but the teacher split it into several simple questions, one question and one answer, and asked the students to follow the teacher. This greatly restricted There is space for students to think freely, and students become containers for passively receiving knowledge.
In addition, some teachers’ question designs are too arbitrary and lack levels and gradients, and some cannot arouse students’ interest. Some questions are inappropriate, unrefined, and out of time, leaving students at a loss. The writing on the blackboard did not serve as the finishing touch and did not follow the questions. Due to insufficient lesson preparation by some teachers, the classroom teaching plan is not strong and the phenomenon of procrastination in class is serious. Some teachers assign assignments that are not targeted.
307 Survey Report Part 4
Purpose of Survey
Nowadays, college students use their spare time to find part-time jobs or actively participate in social practice during holidays. Summer jobs and internships to experience life have become a craze. For most students, making money is the primary purpose of working. Some people think that making money is not the only purpose for college students to work. Many students regard part-time work as an opportunity to participate in social practice and improve their abilities.
Many schools also actively encourage college students to get in touch with and understand society more. On the one hand, they can apply the theoretical knowledge they have learned into practice and improve their abilities in all aspects; on the other hand, they can accumulate work experience, which will be of great benefit to future employment. Through surveys, we can understand contemporary college students' views on social practice and analyze the life practice of college students, so as to analyze the problems existing in college students' social practice and propose solutions based on Marxist philosophy, so that college students can treat social practice correctly and gain true knowledge in practice. In future practice, we can better contact the society, practice our professional skills, and look for development opportunities.
Respondents
The growth and success of college students is a common concern in colleges and universities. The social practice of college students has become an important part of cultivating qualified college students, and the social practice of college students must not be ignored or abandoned. Therefore, 5 college students were selected for this survey, including 1 from Guangzhou University, 1 from Sun Yat-sen University, 1 from Guangdong University of Foreign Studies, 5 from South China University of Technology, and 5 from Guangdong University of Technology. There are 5 freshmen, 3 sophomores and 15 juniors.
Survey content:
This survey asked college students whether they have participated in summer jobs, part-time jobs or internships, what kind of social practice they most want to participate in, and whether the part-time job or internship they participated in is related to Questions such as whether the majors studied are consistent, whether the combination of practical and theoretical knowledge can be reflected, and what has been gained from work or internships will be discussed.
Survey method
The survey was carried out by distributing questionnaires. ***5 questionnaires were distributed and 5 valid questionnaires were recovered.
Survey results
From the survey, it was found that many college students believe that part-time work is the second classroom for college students, and they can learn many valuable things through part-time work. Existence is reasonable. There is no distinction between high and low professions. No matter what profession, it has its advantages and disadvantages, it all depends on your own needs. Many college students feel that as long as it is a job that can make money, they can give it a try. Jobs such as brand agency and promotion that were not previously available to college students have now become jobs that college students can accept.
Analysis of Survey Results
In the survey, it was found that no one chose to participate in the Three Going to the Countryside activities in participating in social practice, which shows that compared with college students in the past, contemporary college students are less likely to pursue their studies. Their experience, living conditions, and social environment are relatively superior, and they have not gone through the necessary setback education. Therefore, their will is often fragile and their ability to overcome difficulties is also poor. They often have higher demands on society and less on themselves. Less demanding. At present, the sense of responsibility of college students has increasingly become a hot issue of social concern. The sense of responsibility and the sense of integrity have become two new standards for recruiting talents in many places.
College students’ participation in social practice is an important measure to promote college students’ quality education, strengthen and improve the ideological and political work of young students, and guide students to grow healthily and become talents. It is an important measure for students to contact, understand, and serve the society and cultivate their innovative spirit. , practical ability and hands-on operation ability. The purpose of participating in the "Three Going to the Countryside" practice is to support rural education and provide corresponding guidance to farmers. In line with the purpose of serving the people, at the same time, it combines the knowledge learned in school with labor practice, and from The masses learn the principles of life and work, and use them to know their future study, life and work.
Nowadays, apart from some students coming from rural areas, a large part of college students come from cities. Often these students have good family environment, and their parents do not allow or support their children to participate in the so-called "three rural areas" In this way, the school's goal of improving students' quality through practical activities in the countryside has not been achieved. In Marxist philosophy, the three outlooks refer to the world outlook, outlook on life, and values, and a personal world outlook, outlook on life, and values ??are closely linked. In the individual value system, life values ??are in a dominant position, determining the overall value orientation, and guiding and restricting other values ??in the value system.
Since the values ??of contemporary college students mainly revolve around themselves, college students lack social experience and practical experience, let alone participate in the "Three Going to the Countryside" activities to serve the people.
In addition, no one chooses to object to college students taking part-time jobs, summer jobs or internships. Everyone believes that as long as it does not affect their studies, they can accumulate experience and lay the foundation for future work. For contemporary college students, they should study hard in their majors Knowledge, and constantly improve comprehensive quality and skills in applying knowledge. It only takes a few years from the beginning of college life to entering the big circle of society. Who doesn't want to have a place in the future society? Therefore, everyone believes that college students must participate in various practical activities inside and outside campus, which will help to improve their quality and improve their abilities. It can be seen that it has an irresistible importance in improving the comprehensive quality of college students. It cannot be denied that students who have had working experience appear to be more mature and more socially adaptable than other students. However, for students, social adaptability is only a measure of one aspect. The main task during college is to build an academic structure, that is, The construction of knowledge structure and professional structure affects or even gives up the learning of professional knowledge in order to work, and the result is not worth the gain.
307 Investigation Report Part 5
Improve the quality and level of rural teachers. It is the top priority for the development of rural education. I suggest taking measures: First, carry out activities such as sending teachers to rural areas to support rural areas to achieve mutual exchanges between urban and rural teachers. The second is to train more backbone teachers in rural areas, carry out the famous rural teachers project, mobilize the enthusiasm of rural teachers for work, and use advanced models to drive a large number of teachers. The third is to strengthen the training of rural teachers. New textbook training, expert lectures, lectures by famous teachers, etc. Teachers are encouraged to actively participate in some teacher groups according to their own characteristics, such as Young Teachers Association, Writers Association, Calligraphy Association, etc. The fourth is to fire some unqualified private teachers and introduce a group of college students to teach in rural primary schools. Fifth, the school should truly carry out educational reform and scientific research activities within the school, so that everyone can participate and everyone has their own subject. The sixth is to urge rural schools to conscientiously complete various educational and teaching tasks and eliminate fraudulent means and formalism to cope with inspections.
Rural areas are an integral part of the development of the entire society, and the low level of basic education in rural areas is an important reason for the low overall quality of the population. There are many factors that affect the quality of rural basic education. Our entire society must actively respond to the call of the Party Central Committee and the State Council and make our own contribution to the basic education in building a new socialist countryside. As long as we are willing to give a little love, I think our country will develop and prosper. The construction of socialism requires high-quality talents, and only by strengthening the investment and construction of basic education in our country can we better build a new socialist countryside.