307 investigation report 1
Leaders:
I. Basic information of the borrower
1. Introduction of the borrower's identity
Borrower, fema
307 investigation report 1
Leaders:
I. Basic information of the borrower
1. Introduction of the borrower's identity
Borrower, female, 42 years old, ID number:, home address: Room 20 1 3, Park 2 10, 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 in our bank earlier to handle settlement business. Hold our dual-currency credit card, debit card and time savings deposit.
2. Assets and liabilities of the borrower
The borrower's personal assets are now 4.5 million yuan, and the annual rental income is 6.5438+0.8 million yuan. A villa in xx District of this city, with an area of 208 square meters and a value of 2.3 million (with real estate license and land certificate); Road pedestrian street commercial shops 1 set, with a construction area of180m2 and a value of 2.2 million yuan. Now it is leased to xx Hospital for use, with the lease term of 10 year (20xx.9.1-20xx.8.31) and the annual rental income of 10.
Upon inquiry of personal credit report, the borrower handled personal commercial housing loan 1 transaction in other banks, with an amount of 800,000 yuan and a term of 5 years, which has been settled with no bad records.
Second, the borrower's operating conditions
The borrower has been engaged in frozen aquatic products business in X market since 20xx, mainly engaged in wholesale of lead 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 scale of operation, 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 80-square-meter cold storages in the aquatic products wholesale market, with more than 20 varieties, worth more than 2 million yuan (see the inventory list for details). Calculated from the business process of savings passbook, bank card and other accounts provided by the borrower, the average monthly sales amount is 6,543,800 yuan, the monthly net profit is about 6,543,800 yuan, and there are 8 employees. From June to July this year, the sales revenue has reached 8 million yuan and the net profit has reached 700,000 yuan.
Its aquatic products purchase channels are mainly Beijing, Guangdong and other places. These products are sold to our city and other large hotels, guesthouses and secondary wholesalers. The frozen aquatic products operated by the borrower are large in scale in our city, occupying a certain market share and having a good reputation.
Three. The financial situation of the borrower
Since the early 1990s, the borrower has opened an account with our bank and handled the settlement business, with no record of default. As the borrower is an individual industrial and commercial household, the tax payment is mainly based on fixed tax, and the annual tax payment is 654.38+0.2 million 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 revenue has reached 8 million yuan and the net profit has reached 700,000 yuan. Secondly, judging from the commercial store lease contract signed by the borrower, the borrower's annual rental income is 6.5438+0.8 million yuan, which is also a relatively stable income. In addition, according to its inventory list and field survey, the inventory is about 2 million yuan. Combined with aquatic product operating income and rental income, the borrower generates income of about 6.5438+0.3 million yuan every year. The above data shows that the borrower has strong sales ability and repayment ability.
Fourth, the purpose and reason of the loan
The loan is mainly used to buy aquatic products and increase commodity inventory. Due to the peak season of aquatic products sales. Around the "Eleventh" period, it has entered the peak season of sales. The demand of old customers is growing steadily, and new customers are increasing. In 20xx, new customers include large and medium-sized hotels and guesthouses. With the increase of new customers, it is necessary to increase the purchase volume and inventory. It is planned to purchase all kinds of aquatic products (mainly shrimps) about 6.5438+0.5 million yuan. The borrower has raised 600,000 yuan, and the remaining 900,000 yuan will be settled by our bank loan, with a term of 1 year. The principal and interest of bank loans will be repaid with sales income and profits.
Verb (abbreviation for verb) Conditions of collateral
The borrower takes my commercial real estate and land use right located at No.2 Pedestrian Street in xx District as collateral for this loan. This property is a commercial property with two-story frame facing the street, which was built in 20xx with a construction area of 180m2. Real estate license number. : xx Fa Qi Zi No.513050292; Design purpose: commerce, property: private property. Land use right certificate number: Guo Yong (20xx) No.0028; Area of the right to use: 62 square meters, purpose: commerce, type of the right to use: assignment, termination date: August 20xx 16. Collateral is close to the highway, 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 on the appraisal date is RMB 65,438+0,899,000, and the average unit price is RMB 65,438+00, 550 yuan/m2; The present value of land on the benchmark date is 303,800 yuan, the average unit price is 4,900 yuan/square meter, the total value of real estate is 2,202,800 yuan, and the mortgage rate is 40.86%, which is in line with the bank's loan regulations.
The property is now for rent, and the lessee is used to operate xx Hospital. The lease term is 10 year (from September/day of 20xx to August 3/day of 20xx), and the annual rent is 1 80,000 yuan. The lessee agrees that the bank will give up the lease right when disposing of the house.
Conclusion of intransitive verbs
Upon investigation, the borrower has stable operation, good sales, good integrity, good moral character, repayment ability and sufficient second repayment source, and has opened a deposit settlement account and a debit card account in our bank, which is in line with our personal short-term operating loan conditions. It is agreed to lend him 900,000 yuan with a term of one year, with the benchmark interest rate rising by 40%, that is, 65,438+00.458%, with monthly interest payment due. Issuing this loan can increase our interest income by 900,000 yuan ×10.458% = 94,000 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 as collateral for this loan.
Statement of the account manager: As the account manager of the borrower, I have conducted interviews and written records with 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 conducted a comprehensive investigation and understanding of the customer's loan situation. All the information provided by the borrower is true, accurate and effective, and the evaluation follows the principle of objectivity and impartiality. The contents of the above report. At the same time, I declare that the borrower is not my related party.
No, please ask the zero loan association for approval.
Hereby report
X year xx month xx day
307 investigation report 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 unscrupulous companies and intermediaries use students' lack of social experience to defraud agency fees. Walking on a quiet university campus, you will surely see various advertisements on the walls, billboards and windows. Opportunity or temptation? Facing the emergency, recruitment, tutor information? Where should we go from here? For this reason, this journal, in conjunction with the reporter group of south china agriculture Daily, conducted a large-scale questionnaire and online survey on the current situation of college students' part-time jobs.
In this survey, * * * 200 questionnaires were distributed, and valid questionnaires 17 1 were recovered, with an effective rate of 85.5%. The number of online questionnaire views is nearly 1000, which has produced positive response in various university forums. On this basis, we made the following analysis, hoping to help the majority of students who want to do or are already doing part-time jobs.
Most boys exercise themselves part-time.
The distribution ratio of this questionnaire survey in gender and grade can be said to be more representative. First of all, the male-female ratio is 52.0% and 48.0% respectively; There are interesting differences between male and female students in the main purpose of part-time: 43.9% of boys take part-time jobs for money, while 53.9% of girls take part-time jobs; Boys do part-time jobs to exercise themselves, accounting for 52.4% of the total number of boys surveyed, and the figure for girls is 4 1.5%.
Most boys choose to do part-time jobs to exercise themselves. In sharp contrast, most girls do part-time jobs to make money. The counselor of the Academic Affairs Office said: Maybe it's because boys are more farsighted, and he added: Maybe it's because there are more girls and more poor students.
Judging from the distribution of grades, sophomores and juniors are the main body, which is basically due to the consideration of reality: freshmen have just entered the university gate, and not many people have part-time experience. At the same time, senior students are busy with their own future and graduation is just around the corner, so it is difficult to carry out investigation.
The legal rights of students need to be taken seriously.
Among the students surveyed, 165 answered the question about the time of the first part-time job, and 6 did not. Among the students who answered the questions, 57.0% were part-time freshmen. It's the first time to find a part-time job, most of the students are still through part-time student agencies. In the survey, 45.0% of the students are introduced by their classmates, 18. 1% and 9.9% of the students are found through school work-study programs.
Comparing two of the data, the reporter found that there is a problem that can not be ignored: 57% of the students have been doing part-time jobs since their freshman year, while at the same time, 45.0% of the students are looking for jobs through part-time student agencies for the first time. Judging from the above two data, 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. According to the survey, nearly 50% of the students who have had part-time job experience have not been cheated, but as many as 40% of the students have been cheated.
For students who encounter this problem, the most direct solution is to call 1 10 or 3 15 for the consumer meeting. Generally, for long-term operation, as long as the relevant departments intervene, the agency fee will be returned. 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 did not answer. The survey results show that the students who do part-time jobs are as many as 10 times, while the average number of part-time jobs is 2.33 times. 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, 170 answered, "Did you skip class for part-time job?" , and 1 person doesn't. Among the students who answered the questions, 3 1.2% said they skipped classes, which shows that the proportion of skipping classes is still quite high. It seems that how to coordinate the relationship between part-time job and truancy can not be ignored. In the investigation of truant frequency of truant students mentioned in the above question, 65 people answered, 106 people did not answer. Of the 65 people who answered, most chose a very small number, accounting for 64.6%. In addition, 26.2% people said that their frequency of skipping classes was average (twice a week), and 9.2% people said that they often skipped classes (more than three times a week).
Most seniors suggest students who plan to work part-time. Learning is the most important thing in college. Part-time job is worth doing if you have the spare capacity to study, and exercise is the main thing. Long-term part-time, preferably during winter vacation or summer vacation.
In addition, tutoring and work-study programs are selected as the most stable part-time jobs, and parents and schools pay for them, so they have high credibility and are the best choices 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.
307 investigation report 3
Investigation report on education and teaching
Investigation report on education and teaching 1
There are xx teachers, xx classes and xx students in our school. Since I started studying and practicing Scientific Outlook on Development, I have got a comprehensive understanding of the school, especially the new curriculum education and teaching and the basic situation of teachers through observation, understanding, lectures, talks, discussions and inspections. The relevant investigation situation is reported as follows:
I. Highlights and hopes
1, the teacher-student relationship is democratic and harmonious.
First of all, teachers are more approachable. Teachers use language, posture, expression, eyes, gestures and even interpersonal distance to keep emotional communication with students, and build a good teaching emotional field in the classroom, so that students are in a free psychological state. Secondly, teachers' listening awareness is obviously enhanced. Teachers' tendency of "discourse hegemony" in dialogue situations has changed greatly, and most teachers can listen carefully to students' opinions. Students feel valued and cared for, and their desire for self-expression is stronger.
Third, the sense of cooperation between teachers and students is more distinct. We are delighted to see that in the teaching process, teachers go deep into students, bend over to communicate with students and fiddle with learning tools. The situation of cooperation is no longer limited to knowledge itself, but has risen to equal treatment of teachers and students in personality and spirit, which is the cultivation of democratic equality consciousness.
2. Teaching methods have changed quietly.
First of all, the extensive use of games has brought great vitality to the classroom. One way is to play games in a certain part of teaching in combination with the teaching content. The second is to set the whole class as a game situation. The three-dimensional goals are well integrated, and the whole classroom is full of interest and seamless connection.
Secondly, teachers have made many useful explorations in advocating independent, inquiry and cooperative learning methods. It is reflected 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, it embodies the goal and diversity of learning evaluation. Teachers' evaluation can involve cognitive development, the content of learning activities, language forms, thinking quality, non-intellectual factors and many other factors. Secondly, the forms of learning evaluation are also very rich, especially Chinese evaluation as the main evaluation form, which makes people fully feel the changes in teaching mentality brought about by 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, that's great! The teacher is proud of you. " ..... True feelings boast strengths, euphemistically refer to weaknesses, and tolerance, encouragement and expectation become the main theme of classroom evaluation.
4. Teaching resources have been expanded.
In the past, textbooks were the only resources for curriculum, but this survey found that teachers set up a new concept of curriculum, taking themselves, students, texts and environment as resources for curriculum development, and actively using school conditions to carry out teaching activities. In teaching, we should base ourselves on and surpass the teaching materials, expand the value of the teaching materials, pay attention to the complementarity between in-class and out-of-class, and emphasize the study in interdisciplinary fields.
5. Pay attention to cultivating students' innovative consciousness.
Classroom teaching is based on teaching plans, and the process is dynamic. Encourage students to find problems by themselves, solve problems from all angles, allow students to have different understandings of answers, give students as much divergent thinking space as possible, and cultivate students' awareness of independent innovation. In classroom teaching, students are willing to ask questions, dare to ask questions, be good at asking questions, dare to express their views and dare to challenge textbooks and teachers. Students' subjective consciousness is forming.
Second, problems and deficiencies
1, lack of understanding and grasp of teaching materials.
A small number of teachers don't go into textbooks at all, and their educational concepts haven't changed fundamentally. Holding new teaching materials in the old way and using old experience teaching materials rarely reflects the sense of innovation. Because teachers fail to link textbooks with life, society, nature and activities, and lack a macro grasp of key points, difficulties and knowledge structure, classroom teaching appears rigid.
2. Teachers' classroom management ability still needs to be improved.
Curriculum reform requires teachers to live in the classroom, but this will bring difficulties to classroom teaching. Some teachers don't know how to deal with the situation that they can't get it back in class, which leads to the classroom out of control and affects the teaching effect. However, some teachers "accept" too much in class, which makes the classroom atmosphere dull and students' learning mood depressed, which also affects the teaching effect.
3. Blind pursuit of fancy renovation of teaching forms.
Cooperative learning has jumped into a frenzy, and cooperation has replaced students' independent thinking. From the survey, there are many cooperative scenes in classroom teaching. No matter whether the question is valuable or not, there are no clear learning tasks for students to cooperate with. This is essentially a waste of teaching resources and precious teaching time, and students will not get real experience. At the same time, because students have a communication environment, it is inevitable to tease each other, and their learning energy cannot be concentrated, which distracts the attention of the whole class. Such cooperative teaching is ineffective.
4. We can't properly grasp the relationship between publicizing personality and cultivating good study habits.
In class, we can see that teachers turn a deaf ear to some basic habits of students. In some classes, some students don't obey the classroom discipline, which makes the learning environment and atmosphere of the whole classroom very unsatisfactory and affects the learning of most students. In the discussion and exchange, some teachers think that frequently asking for students' study habits in class will hinder the development of students' personality, which is contrary to the concept of curriculum reform and affects the teaching content.
5. Multimedia can't be reasonably used in teaching.
The effective use of multimedia courseware to assist teaching is worth popularizing, but some teachers regard multimedia teaching as a fashion and only pursue form, which is counterproductive. The courseware is not well made, the content of the courseware does not play much role in this class, and the "temperature" of the courseware is not well mastered. In addition, some teachers can't master the production and correct use of multimedia courseware, which should be highly valued.
6. Some teachers have the same teaching methods.
In the investigation, it is found that some teachers have a weak sense of curriculum reform, which is not obviously different from traditional teaching. In classroom teaching, some teachers can't let go, always feel that some places can't go on, for fear that students can't understand; Originally, asking a question could make students have something to say, but the teacher divided it into several simple questions, asking and answering, and let the students follow the teacher. In this way, the space for students to think freely is greatly limited, and students become containers for passively accepting knowledge.
In addition, some teachers' question designs are too casual, lacking levels and gradients, and some can't attract students' interest. Some questions are inappropriate, unrefined and inappropriate, which makes students at a loss. The blackboard writing didn't make the finishing point and didn't follow the topic. Due to the lack of lesson preparation, some teachers' classroom teaching planning is not strong, and the phenomenon of delay is more serious. Some teachers' homework is not targeted.
307 investigation report 4
Purpose of investigation
Nowadays, it has become a craze for college students to find a part-time job or actively participate in social practice in their spare time, and to enjoy life by using summer jobs and practices. For most students, making money is the primary purpose of work. Some people think that earning money is not the only purpose of college students' work. Many students regard 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. On the one hand, they can apply their theoretical knowledge to practice and improve their abilities in all aspects. On the other hand, accumulating work experience is of great benefit to future employment. Through investigation, we can understand contemporary college students' views on social practice and analyze their life practice, so as to analyze the problems existing in college students' social practice with Marxist philosophy and put forward solutions, so that college students can treat social practice correctly and gain true knowledge in practice. In the future practice, you can better contact the society, exercise your professional skills and find opportunities for development.
Object of investigation
The growth of college students is a common concern in colleges and universities. College students' social practice has become an important part of cultivating qualified college students, which cannot be ignored or abandoned. Therefore, this survey selected students from Guangzhou University, Sun Yat-sen University, Guangdong University of Foreign Studies, South China University of Technology and Guangdong University of Technology. The grades are freshman 5, sophomore 3 and junior 15 respectively.
Survey content:
This survey is conducted by asking whether college students have participated in summer jobs, part-time jobs or internships, what kind of social practice they want to participate in most, whether the jobs or internships they have participated in are consistent with their majors, whether they can reflect the combination of practice and theoretical knowledge, and what they have gained in their work or internships.
investigation method
Through questionnaire distribution, 5 questionnaires were distributed and 5 valid questionnaires were recovered.
survey result
From the survey, it is found that many college students think that part-time job is their second class, and they can learn a lot of valuable things through part-time job. Existence is reasonable, and there is no distinction between high and low occupations. No matter what profession has advantages and disadvantages, it depends on your own needs. Many college students feel that they can try as long as they can make money. Brand agency, promotion and other jobs that college students didn't need before have now become acceptable jobs for college students.
Analysis of survey results
In the survey, it is found that no one chooses to participate in rural activities in social practice, which shows that compared with previous college students, contemporary college students are relatively superior in learning experience, living conditions and social environment, and have not received the necessary frustration education. Therefore, their will is often fragile, their ability to overcome difficulties is poor, and they often have higher requirements for society and lower requirements for themselves. At present, college students' sense of responsibility has increasingly become a hot issue of social concern, and sense of responsibility and integrity have become two new standards for adopting talents in many places.
College students' participation in social practice is an important measure to promote college students' quality education, strengthen and improve young students' ideological and political work, and guide students to grow up healthily. It is also an important way for students to contact, understand and serve the society, and to cultivate innovative spirit, practical ability and hands-on operation ability. The purpose of participating in rural practice is to support rural education and bring corresponding guidance to farmers. In line with the purpose of serving the people, at the same time, I will combine what I have learned in school with my labor practice, and learn the truth of being a man and doing things from the masses, so as to know my future study, life and work.
Now, in addition to some students from rural areas, a large number of college students come from cities. Often these students have a good family environment, and parents do not allow or support their children to participate in the so-called practice activities in the countryside. In this way, it is impossible to achieve the goal of improving students' quality through the practice of going to the countryside. In Marxist philosophy, the three views refer to world outlook, outlook on life and values, while individual world outlook, outlook on life and values are closely related. In the individual values system, life values are in a dominant position, which determines the overall value orientation and plays a guiding and restricting role in other values in the values system. Because the values of contemporary college students are mainly self-centered, they lack their own social experience and practical experience, let alone participate in activities to serve the people in the countryside.
In addition, no one chooses to oppose college students' part-time, summer jobs or internships. Everyone thinks that as long as they can accumulate experience without affecting their studies, they can lay the foundation for their future work. For contemporary college students, we should study professional knowledge hard and constantly improve their comprehensive quality and skills in using knowledge. There are only a few short years from the beginning of college life to entering the social circle. Who doesn't want to have a place in the future society? Therefore, people think that college students must devote themselves to various practical activities inside and outside the campus, which will help to train their quality and improve their ability. Obviously, it is of irrefutable importance to the improvement of college students' comprehensive quality. Admittedly, students who have had part-time job experience seem to be more mature and have stronger social adaptability than other students, but for students, social adaptability is only one of the criteria. The main task during the university period is the construction of academic structure, that is, the construction of knowledge structure and professional structure In order to work, it will affect or even give up the study of professional knowledge, and the result is not worth the candle.
307 investigation report 5
Improve the quality and level of rural teachers. Developing rural education is a top priority. I suggest taking measures: First, carry out activities such as sending teachers to the countryside to support the border, and realize the exchange between urban and rural teachers. The second is to train more rural backbone teachers, carry out the project of famous teachers in rural areas, mobilize the enthusiasm of rural teachers, and drive a large area with advanced models. The third is to strengthen the training of rural teachers. New textbook training, expert lectures, lectures by famous teachers, etc. Encourage teachers to actively participate in some teachers' groups according to their own characteristics, such as young teachers' associations, writers' associations, calligraphy associations, etc. The fourth is to dismiss some unqualified private teachers and introduce a group of college students to teach in rural primary schools. Fifth, educational reform and scientific research activities should really be carried out within the school, so that everyone can participate and have their own topics. Sixth, urge rural schools to conscientiously complete various educational and teaching tasks, and put an end to those fraudulent means and formalism that cope with inspections.
Rural areas are an integral part of the whole social development, 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 whole society should actively respond to the call of the CPC Central Committee and the State Council and make some contributions to the basic education of building a new socialist countryside. As long as we are willing to pay a little love, I think our country will develop and be strong. Socialist construction needs high-quality talents. Only by strengthening the investment and construction of basic education in China can we better build a new socialist countryside.