How to write a bank investigation report on a borrower operating a dog meat soup restaurant

Catering Industry Loan Survey Report

Part 1: Hotel Loan Survey Report

Part 1: Loan Survey Report

Xiashuang Credit Union

Investigation report on ***’s application for a loan of 5 million yuan**** Credit Union:

Our company has received that **** applied for a loan of 5 million yuan from our company. After applying for hotel decoration and facilities purchase application materials, in accordance with the relevant credit regulations and requirements, and after research and decision by our social affairs committee, the fourth comrade *** was responsible for the investigation and conducted a preliminary on-site investigation of the actual situation of *** After investigation, the relevant situation is now reported as follows:

1: Basic information and credit rating of the borrower:

2: Loan type, purpose, term, interest rate:

This loan is a short-term loan, used for hotel decoration and facility 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 of the borrower’s business projects, capital status, loan plan, repayment and plan:

The borrower has been mainly engaged in the accommodation, catering industry, Home rental. In many years of operation, the borrower has been honest and trustworthy, and has gained a high reputation in the same industry. It has also strengthened its financial and asset strength through continuous business development. This year, due to the lack of working capital in the budget for hotel decoration and facilities purchase, we applied for a loan of 5 million yuan from our company. The loan period is 24 months. The repayment will be the revenue from guest rooms and hotels, and the market rental revenue. The borrower It is planned to repay all the principal and interest of the loan before March 20XX.

Four: Business Forecast and Analysis of the Borrower According to the investigation, the borrower has been mainly engaged in the accommodation and catering industry, house leasing and market development in recent years. It has accumulated rich experience in operation and has relatively strong social connections. Good. He has keen market insight. The annual income in the past three years has been more than 3 million yuan. He is currently engaged in the accommodation and catering industry and house rental with good profitability, and has a certain ability to resist risks. Based on this analysis, the borrower is fully capable of repaying the principal and interest of the loan within the loan term.

Five: Guarantee and Mortgage Situation

This loan is a mortgage loan: 1. The mortgage is a complex building located at the southeast corner of Beiguan Cross, the area of ??the building and the surrounding area of ??the building land area. 2. The land use right certificate number of the mortgaged land: Wu Guoyong **** No. ****; the scope and area of ??the mortgaged land: including the building area of ??1,753 square meters and the square in front of the building covering an area of ??1,536 square meters. The mortgaged land The total area is 3289 square meters. 3. The property ownership certificate number of the mortgaged building is: 046132; the scope and area of ??the mortgaged building: including the square area in front of the building of 1536 square meters, the first floor area of ??the building's first floor is 664 square meters, the first-floor business hall area is 169 square meters, the second floor, The area of ??the third, fourth, fifth, sixth, seventh and eighth floors is 4217 square meters, and the total mortgage area is 5922 square meters. The value of the collateral is approximately 18 million yuan. 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, external financing and guarantee situation

The borrower ***** has a high credit rating, is honest and trustworthy, and has no Bad records. There are no external guarantees or investment and financing activities. The mortgagor ***** has no loans, no guarantees, no foreign investment and financing activities and no bad credit record in our company.

Seven: Income and repayment analysis

Income: 1. The borrower’s annual income from the accommodation and catering industry is more than 2.4 million yuan: 2. The borrower’s house rental income is approximately 600,000 yuan. Eight: Loan risk assessment and preventive measures

The borrower has strong economic strength and multiple sources of income. The industry he is currently engaged in has good development prospects, high profits, and has a certain ability to resist risks. Ability to repay loan principal and interest on time. Risk prevention measures: 1. When taking out a loan, obtain the borrower's accident insurance, 2. Strictly adhere to the "three inspections system" for loans and strengthen effective supervision of the assets and funds of the borrower and guarantor. 3. The collateral is sufficient, the liquidity is strong, credit risks are discovered, and the collateral can be disposed of in a timely manner to recover the loan. 4. Post-loan management is strengthened and borrowers are reminded to operate prudently at any time. Keep abreast of the borrower's operating status to ensure the absolute safety of our company's credit funds.

Nine: Loan Conclusion

Through the investigation, the borrower has strong economic strength and good credit status. After review by the credit union’s loan review team, the household is in a clear industry and the purpose of the loan is true and true. The business project has a good development prospect and complies with the relevant regulations of industrial policies and loan management. It has agreed to a loan of 5 million yuan, with a loan period of 24 months, an annual interest rate of %, interest settlement on a quarterly basis, and the borrower's accident insurance.

Submit to the Associated Press for approval.

Investigator:

****** Credit Union

****Year***Month****DayPart 2: Catering Industry_Market Research Report

Title: College (Department): Professional Class: Student ID: Name:

Catering Industry Market Research Report

Modern Ports and Logistics Department of Management

Marketing 1212

120303351207

Hu Yunyun

Catering Industry Market Survey Report on June 1, 20XX

1. Preface 1. Survey background

Through this survey, we will discover factors affecting the operating conditions of the catering industry. We will discover business opportunities in the catering industry by summarizing and analyzing the survey results, and also create a platform for ourselves to communicate with the outside world. Opportunity to practice your ability to communicate with others, understand the operating conditions of the catering industry, and pave the way for your future career.

The number of samples selected for this market survey is 200, of which 172 valid answer sheets were used for statistics. Due to the limited coverage of the sample, the survey results will inevitably have certain limitations. 2. Purpose of the survey

(1) Understand the marketing strategies and corporate development strategies of Taicang catering enterprises

(2) Understand the market capacity and potential market share of Taicang catering industry, and provide potential Preparation for market development 3. The survey subjects took Taicang consumers as the overall sample, and randomly selected 200 customers as the specific subjects of the survey to explore consumers' spending power and dining habits. 4. Survey methods (1) Document survey method (2) Literature screening (3) Field survey method (4) On-site survey method 5. Questionnaire

Set questionnaire items according to the purpose of the survey, which are mainly divided into There are four aspects: income level, consumption expenditure, dining preference and consumption frequency. The questionnaire is concise, clear in content, logical to a certain extent, and convenient for data processing. 6. Collect and organize data. Collection of original data

Original data were obtained through on-site questionnaires conducted by 5 students in major residential activity areas or commercial locations. 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 the questionnaire and the quality of information collection. Sample Selection

The samples in the survey are mainly urban populations. The sample size is 200. The questionnaire survey adopted completely random sampling method. (3) Data processing

Classify and organize the collected data, and then use computer tools to analyze and process the data to provide data support for the survey results. two. Taicang catering industry market analysis 1. Demand scale

In the catering industry market, the scale of demand must account for a considerable proportion. The amount of demand is directly related to the catering market operations to a certain extent. Good and bad versus good development. Our investigation team collected sufficient information through many days of field investigation, and carefully analyzed the specific demand scale of Taicang’s catering industry market. Through analysis, we learned that Taicang’s economy is not too developed. In cities, households whose average income level remains at the middle level account for a considerable proportion of consumption in the catering market, which means that most middle-income families have become the main demand targets in the catering market. And we also concluded that among the types of catering consumption, many people spend a major part of their money and time on family gatherings and business entertainment, which fully reflects the real situation of urban residents' lives. Secondly, in the survey, we also concluded that more than half of the residents go to eat based on subjective ideas, reflecting their unconstrained living situation, and they also spend several hundred yuan each time they eat. From this, it is not difficult to find that the market size of Taicang's catering industry is constantly developing, and at the same time, people's demand conditions are also constantly changing.

Figure: Income classification of the surveyed population. Figure: Consumption motivation. Approximately 50% of the sample is between 20XX-4,000 yuan. It can be seen that the income level of Taicang residents is at the middle level in the country, and 6% of the people are above 20XX yuan. 15. It can be seen that Taicang's catering consumer market is relatively large in comparison, but with Taicang's large consumption level, residents' consumption seems less nervous. In terms of consumption motivations, business and entertainment accounted for 28% of the surveyed consumption frequency of 300-500 yuan. According to data analysis, 26% share of the small consumer market can be obtained. More than half of the respondents in the sample data chose "it depends on the situation". The consumption behavior is relatively irregular and very random, which means that the risks and uncertainties of catering operations increase; Part 3: Catering and Hotel Industry Investigation report template

Catering and hotel industry investigation report template

Business introduction

Application amount: 10,000 yuan; Term: Financing type: Purpose:

< p>Part 1 Basic Information of the Borrow Applicant

1. Overview of the Borrow Applicant

2. Equity Structure and Changes of the Borrow Applicant 3. Legal Representative (Actual Operator) and Profile of core management members Legal representative (actual operator)

Name:; Age years; Gender: □Male □Female; Marital status: □Single □Married □Divorced

Family Address: ID number: Contact number: Social identity

Political status: National People’s Congress representative □ Yes, level (position); □ No Member of the Chinese People’s Political Consultative Conference □ Yes, level (position); □ No Member of the Federation of Industry and Commerce □ Yes , level (position); □ No industry position □ Yes, position; □ No credit status

Personal credit record (□ Checked □ Not checked): □ No bad records □ Yes, historical bad records □ Yes Bad records 1

Other channels (peers, insiders, insiders, etc.)

Channel 1: Contact person: ;Relationship with the operator: ;Contact number: Channel 2: Contact Person: ;Relationship with the operator: ;Contact number: Soft information description: Brief introduction of financial manager + core management members Main work resume 4. Related company situation (describe if involved)

Part 2 Business situation

1. Business situation (business method, market positioning, price, number of stores, business premises, geographical location, reception capacity, etc.)

2. Business performance unit: 10,000 yuan

Comparison table of revenue and cost of major branches in the previous year

Unit: 10,000 yuan

2 Third sub-financial status

1. Finance Data summary

2. Details and descriptions of main accounts (prepayments, advance receipts, other receivables and other payables, etc.):

3. Bank liabilities (including loan applicants and Actual controller) Part 4: Capital needs and repayments Part 5: Actual operator’s family background

(Including spouse, children, parents and other immediate relatives)

① Real estate (real estate, Land) 3 Ownership certification documents or original purchase contract □ Verified □ Unverified ② Movable property (automobile) ownership certification documents □ Verified □ Unverified

Part 6 Operation Plan

< p>Loan amount:;Term:;Type:;

Interest rate standard:;Repayment method: Control measures:

①

②

③

Part 7 Comprehensive Conclusion

4

Part 2: Survey Report on Financing Demand of Private Catering Enterprises

Private Questionnaire Analysis of Catering Enterprise Financing Research Report

Since the reform and opening up, small and medium-sized private catering private catering enterprises in our city have developed rapidly and have become an irreplaceable and important force in promoting economic development. It plays a very important role in establishing and improving the market economic system, increasing employment, stabilizing society, promoting taxation, and technological innovation. However, due to historical and geographical reasons, Zhenjiang's small and medium-sized private catering enterprises still face many problems in the development process. Among them, financing difficulties are an indisputable fact, which has become a "constraint" on the development of Zhenjiang's small and medium-sized private catering enterprises. bottleneck".

Therefore, building a financing system for small and medium-sized private catering and private catering enterprises that is suitable for our city's market conditions and alleviating the financing difficulties of our city's small and medium-sized private catering and private catering enterprises has become an urgent issue for the government and many scholars to solve.

Based on the questionnaire prepared by our team, we analyze the development status of private catering enterprises in our country, their important role in the national economy and the main problems in their development. It also discusses the financing difficulties of small and medium-sized private catering enterprises in our city from three aspects: the city's small and medium-sized private catering enterprises themselves, the city's financial institutions and their support for small and medium-sized private catering enterprises, and the city's guarantee system. Current situation and characteristics, and discusses the objective and subjective reasons for the financing difficulties of small and medium-sized private catering private catering enterprises in our province from the perspective of the financial system and the small and medium-sized private catering private catering enterprises themselves. By filling in the contents of the survey report, we focus on analyzing the internal and external factors that make it difficult for small and medium-sized private catering enterprises to obtain loans. It analyzes the transaction behavior of small and medium-sized private catering enterprises and banks under information asymmetry from the two aspects of banks and private catering enterprises, and points out the crux of the indirect financing difficulties of small and medium-sized private catering enterprises. Secondly, by evaluating the financing efficiency of various financing methods and fully learning from the advanced financing models of other excellent cities

and regions, it is proposed that the focus is to solve the problem of small and medium-sized private catering in our province. Financing model that makes it difficult for companies to get loans. Finally, countermeasures and suggestions were put forward to alleviate the financing difficulties of small and medium-sized private catering enterprises in our city from the aspects of the external financing environment and self-construction of small and medium-sized private catering enterprises. The most important innovation is to integrate small and medium-sized private catering enterprises into The financing theory of private catering enterprises in Zhenjiang is combined with the actual situation of our small and medium-sized private catering enterprises in Zhenjiang City. The mathematical model is used to study the financing problems of small and medium-sized private catering enterprises in Zhenjiang City and proposes small and medium-sized private catering enterprises suitable for Zhenjiang City's market conditions. Private catering Private catering enterprise financing system.

Private catering Private catering enterprises have a special and important position in my country's economy and society, playing an irreplaceable role in increasing employment, activating the market, improving people's livelihood, and promoting economic structural adjustment. Public opinion across the country is now calling for solutions to the financing difficulties faced by private catering companies. The questionnaire conducted an in-depth analysis of the causes and solutions to financing obstacles for private catering companies through surveys. Private catering Private catering enterprises usually have a small number of employees and relatively small asset scale. Their business premises and equipment and other fixed assets are mainly obtained through leasing or leasing. The fixed assets account for a low proportion of total assets, so it is difficult for them to pass through banks, etc. Obtain credit and other financial support through formal channels. Private catering The core competitiveness of private catering enterprises is often represented by intangible assets such as intellectual property rights and brand value, and there are relatively few fixed assets that can be used as collateral. Most private catering enterprises are in industries with a high degree of competition and are therefore susceptible to fluctuations in the market environment, national policies and economic cycles, and their ability to withstand risks is weak. To solve the financing difficulties of private catering enterprises, we must resolve the relationship between government support and market principles, and coordinate the social and economic functions of private catering enterprises. At present, many people believe that the financing difficulties of private catering enterprises are related to social stability and employment expansion, and that they overemphasize their social functions and ignore their economic functions.