Part I: Hotel loan investigation report.
Chapter 1: Loan Survey Report
Xiashuang credit cooperative
Investigation report on * * * credit cooperatives applying for a loan of 5 million yuan;
After receiving the application materials for * * * * to apply for a loan of 5 million yuan for hotel decoration and facilities purchase, our agency, according to the requirements of relevant credit laws and regulations, decided by our social affairs committee that four comrades of * * * * were responsible for the investigation, and made a preliminary investigation on the actual situation of * * * *, and now the relevant situation is reported as follows:
I. Basic information and credit rating of the borrower:
Two. Type, purpose, term and interest rate of the loan:
The loan is a short-term loan for hotel decoration and facilities purchase, with a loan amount of 5 million yuan, a term of 24 months and an annual interest rate of%.
Three. The background and basic situation, capital status, payment plan, repayment and plan of the borrower's business project;
In recent years, borrowers have mainly engaged in accommodation, catering and house leasing. In the years of operation, the borrower is honest and trustworthy, and has gained a high reputation in the same industry, and has also expanded its capital and asset strength through continuous business development. This year, due to the lack of liquidity in the purchase of hotel decoration and facilities, I hereby apply for a loan of 5 million yuan from our agency with a loan period of 24 months. Repayment is the income of rooms and hotels, as well as the rental income of the market. The borrower plans to repay all the loan principal and interest before March 20XX.
Four. Business Forecast and Analysis of the Borrower According to the survey, the borrower has mainly engaged in accommodation and catering industry, house leasing and market development in recent years, and has accumulated rich business experience, good social relations and keen market insight. His annual income in the last three years is more than 3 million yuan. At present, the profitability of accommodation, catering and house leasing is good, and he has certain anti-risk ability. From this analysis, the borrower is fully capable of paying off the loan principal and interest within the loan period.
Verb (abbreviation of verb) guarantee and mortgage situation
This loan belongs to mortgage loan: 1. The collateral is a comprehensive building located at the southeast corner of Beiguan Cross, with the area of the building and the surrounding area of the building. 2. Land use right certificate number of the mortgaged land: Wu * * * *No. * * *; Scope and area of mortgaged land: including building area 1.753 square meters, square area in front of the building 1.536 square meters, and the total area of mortgaged land is 3,289 square meters. 3. Ownership CertificateNo. of the mortgaged house: 046132; Scope and area of mortgaged house: including the square area in front of the building 1.536 square meters, the first floor area of 664 square meters, the first floor area of 1.69 square meters, the second floor, the third floor, the fourth floor, the fifth floor, the sixth floor, the seventh floor and the eighth floor area of 42 1.7 square meters, with a total mortgage area of 50 square meters. 4. The collateral is in good condition, sufficient and effective.
Six: the cooperative relationship between the borrower, the guarantor and the credit union, the loan situation and the external financing and guarantee situation.
The borrower * * * has a high credit standing, is honest and trustworthy, and has no bad record. There is no external guarantee and investment and financing behavior. The Mortgagor * * * has no loan, no guarantee, no foreign investment and financing behavior and bad credit record in our agency.
Seven. Income and repayment analysis
Income: 1. The borrower's annual income from accommodation and catering industry is more than 2.4 million yuan. 2. The borrower's rental income is about 600,000 yuan. Eight. Loan risk assessment and preventive measures
The borrower has strong economic strength and multi-channel income. The industry he is now engaged in has good development prospects, high profits, certain anti-risk ability and the ability to repay the loan principal and interest on time. Risk prevention measures: 1. When making a loan, the borrower's accident insurance should be completed. 2. Strictly implement the "three-check system" for loans and strengthen the effective supervision of the assets and funds of borrowers and guarantors. 3. The collateral is sufficient and has strong liquidity. When the credit risk is discovered, the collateral is disposed of in time to recover the loan. 4. Strengthen post-loan management and remind borrowers to operate cautiously at any time. Grasp the borrower's operating conditions in time to ensure the absolute safety of our credit funds.
Nine: Loan conclusion
After investigation, the borrower has strong economic strength and good credit status. After examination by the credit review team of the credit cooperative, the industry of the household's business project is clear, the loan purpose is true, the development prospect is good, and it conforms to the relevant provisions of industrial policy and loan management. It is agreed to lend 5 million yuan, the loan period is 24 months, the annual interest rate is%, and the interest will be settled quarterly to handle accident insurance for the borrower.
Report to the Associated Press for approval.
Investigator:
* * * * Credit Union
* * * * Year * * * 2nd: Catering Industry _ Market Research Report
Title: College (Department): Specialized Courses: Student ID: Last Name:
Market survey report of catering industry
Department of Modern Port and Logistics Management
Marketing 12 12
12030335 1207
Hu
20XX June 1 catering market survey report
I. Preface 1. Investigation background
Through this survey, we can find out the management factors of the catering industry, find out the business opportunities of the catering industry through the summary and analysis of the survey, create an opportunity for ourselves to communicate with the outside world, exercise our ability to communicate with others, understand the management situation of the catering industry, and make some preparations for our future career.
The number of samples selected in this market survey is 200, of which 172 is the valid answer for statistics. Due to the limited sample coverage, the survey results will inevitably have certain limitations. 2. Purpose of investigation
(1) Understand the marketing strategy and enterprise development strategy of Taicang catering enterprises.
(2) Understand the market capacity and potential market share of Taicang catering industry, and make preparations for potential market development. 3. The respondents take Taicang consumers as a whole sample, and randomly select 200 customers as specific respondents to explore consumers' spending power and dining habits. 4. Survey method (1) Copywriting survey method (2) Literature screening (3) Field survey method (4) Field survey method (5) Questionnaire survey.
According to the purpose of the survey, the questionnaire items are mainly divided into four aspects: income level, consumption expenditure, dining preference and consumption frequency. The questionnaire is concise, clear in content, logical and convenient for data processing. 6. Collect and collate data. Raw data collection
The original data were obtained by five students asking questions in major residential areas or commercial points. The purpose of choosing this method is that the questions are simple, easy to answer, easy to tabulate and analyze, and can improve the recovery rate of questionnaires and the quality of information collection. sample
The sample of the survey is mainly urban population. The sample size is 200. The questionnaire survey adopts the method of completely random sampling. (3) data processing
The collected data are sorted and classified, and then the data are analyzed and processed by computer tools to provide data support for the survey results. 2. Taicang catering market analysis 1. Demand scale
In the catering market, the scale of demand is bound to account for a considerable proportion, and the demand is directly related to the operation and development of the catering market to a certain extent. Our investigation team collected enough data through many days of field investigation and carefully analyzed the specific situation of Taicang catering market. Through analysis, we know that in Taicang, a city with less developed economy, the consumption of households with average income level accounts for a considerable proportion in the catering market, that is to say, most middle-aged families have become the main demand targets in the catering market. And we also come to a conclusion that in the types of catering consumption, many people spend most of their money and time on family gatherings and business entertainment, which fully reflects the real situation of urban residents' life. Secondly, in the survey, we also come to the conclusion that more than half of the residents eat with subjective ideas, which reflects the unrestrained living conditions, and they spend hundreds of yuan on each meal. Therefore, it is not difficult to find that the market scale of Taicang catering industry is constantly developing and people's demand situation is constantly changing. Figure The income classification chart of the surveyed population shows that about 50% of the people in the sample are between 20XX and 4,000 yuan, indicating that the income level of Taicang residents is in the middle level in China, and the number of people above 20xx accounts for 65%.
The consumption market of catering is relatively large, but under the large consumption level of Taicang, the consumption of residents is not so tight. As far as consumption motivation is concerned, business entertainment accounts for a long-term stability, and Taicang catering industry should give consideration to both.
Consumption frequency is 300-500 yuan, accounting for 28% of the total. Through data analysis, we can get a small consumer market with a share of 26%. More than half of the respondents in the sample data choose "depending on the situation", and their consumption behavior is irregular and random, which means that the risk and uncertainty of catering operation increase; Chapter three: template of investigation report of catering hotel industry.
Restaurant and hotel industry survey report template
General situation of operation
Application amount: 1 ten thousand yuan; Term: financing type: use:
The first part is the basic situation of the loan applicant.
1. Overview of loan applicants
2. The ownership structure of the loan applicant and its changes. Brief introduction of legal representative (actual operator) and core management personnel
Name:; Age: years old; Gender: □ male □ female; Marital status: □ unmarried □ married □ divorced
Home address: ID number: contact number: social identity
Political status: deputy to the National People's Congress □ Yes, rank (post); □ No CPPCC member □ Yes, level (position); □ No member of the Federation of Industry and Commerce □ Yes, level (position); □ No industry position □ Yes, position; □ No credit situation
Personal credit record (□ inquired □ not inquired): □ no bad record □ historical bad record □ bad record 1.
Other channels (peers, insiders, insiders, etc.). )
Channel 1: Contact person: relationship with the operator: Tel: Channel 2: Contact person: relationship with the operator: Tel: soft information description: introduction of the financial controller+core management members; Main job resume; 4. Information of affiliated companies (if involved, please specify).
The second part of the action
1. Operating conditions (operating mode, market positioning, price, number of stores, business premises, geographical location, reception capacity, etc.). )
2. Operating performance unit: 10,000 yuan
Comparison Table of Annual Income and Cost of Main Branches in Last Year
Unit: 10,000 yuan
2 the third financial situation
1. Summary of financial data
2. Details and descriptions of main subjects (prepayments, accounts received in advance, other receivables and other payables, etc.). ):
3. Bank liabilities (including loan applicants and actual controllers) Part IV Capital demand and repayment Part V Financial status of actual operators
(including spouse, children, parents and other immediate family members)
① Property ownership certificate of real estate (real estate, land) 3 or original purchase contract □ verified □ unverified ② Property ownership certificate of movable property (automobile) □ verified □ unverified.
The sixth part of the operation plan
Loan amount:; Duration:; Variety:;
Interest rate standard:; Repayment method: Control measures:
①
②
③
The seventh part is the comprehensive conclusion.
four
Part II: Investigation report on financing demand of private catering enterprises.
Questionnaire analysis of financing research report of private catering enterprises
Since the reform and opening up, small and medium-sized private catering enterprises in our city have developed rapidly and become an irreplaceable important force to promote economic development. It plays a very important role in establishing and perfecting the market economic system, increasing employment, stabilizing society, promoting taxation, scientific and technological innovation and so on. However, due to historical and geographical reasons, there are still many problems in the development of small and medium-sized private catering enterprises in Zhenjiang, among which financing is an indisputable fact, which has become a "bottleneck" restricting the development of small and medium-sized private catering enterprises in Zhenjiang. Therefore, it has become an urgent problem for the government and many scholars to build a financing system suitable for small and medium-sized private catering enterprises in our city and alleviate their financing difficulties.
According to the questionnaire made by the research group, this paper analyzes the development status, important role in the national economy and main problems in the development of private catering enterprises in our city. It also discusses the present situation and characteristics of financing difficulties of small and medium-sized private catering enterprises in our city from three aspects: the small and medium-sized private catering enterprises themselves, the financial institutions in our city and their support to them, and the guarantee system in our city, and discusses the subjective and objective reasons of financing difficulties of small and medium-sized private catering enterprises in our province from the perspective of financial system and small and medium-sized private catering enterprises themselves. By filling in the contents of the investigation report, this paper emphatically analyzes the internal and external causes of the loan difficulty of small and medium-sized private catering enterprises. This paper analyzes the transaction behavior between small and medium-sized private catering enterprises and banks under asymmetric information from two aspects of banks and private catering enterprises, and points out the crux of the indirect financing difficulty of small and medium-sized private catering enterprises. Secondly, on the basis of evaluating the financing efficiency of various financing methods, we should learn from other excellent cities.
And put forward a financing model to solve the loan difficulty of small and medium-sized private catering enterprises in our province. Finally, from the external environment and self-construction, this paper puts forward some countermeasures and suggestions to alleviate the financing difficulties of small and medium-sized private catering enterprises in our city. The most important innovation is to combine the financing theory of small and medium-sized private catering enterprises with the actual situation of our small and medium-sized private catering enterprises in Zhenjiang, use mathematical models to study the financing problems of small and medium-sized private catering enterprises in Zhenjiang, and put forward a financing system suitable for Zhenjiang.
Private catering private catering enterprises have a particularly important position in China's economy and society, and play an irreplaceable role in increasing employment, activating the market, improving people's livelihood and promoting economic restructuring. Now public opinion all over the country is calling for solving the financing problem of private catering enterprises. Through investigation, the questionnaire deeply analyzes the reasons and solutions of financing obstacles of private catering enterprises. Private catering Private catering enterprises usually have few employees and relatively few assets. Their business premises, equipment and other fixed assets are mainly obtained by leasing or renting, and the proportion of fixed assets in total assets is low, so it is difficult to obtain financial support such as credit through formal channels such as banks. The core competitiveness of private catering enterprises is often manifested in intangible assets such as intellectual property rights and brand value, and there are relatively few fixed assets that can be mortgaged. Private catering enterprises are mostly in highly competitive industries, which are easily affected by market environment, national policies and economic cycle fluctuations, and their ability to resist risks is weak. To solve the financing difficulties of private catering enterprises, we must solve the relationship between government support and market principles and consider the social and economic functions of private catering enterprises as a whole. At present, many people think that the financing difficulties of private catering enterprises have nothing to do with social stability and expansion.
Large-scale employment overemphasizes its social function and ignores its economic function.