Overview:
A project assessment report is a technical and economic instrument in which a professional assessor determines whether a target project is feasible or not by means of a comprehensive investigation, comprehensive analysis and scientific judgment of the target project based on the feasibility study report of the project provided by the project sponsor. (For details, see Applied Writing Magazine, Issue 2, 2005, "Writing Project Evaluation Reports."
It is an important basis for project authorities to decide on project trade-offs, a powerful credential for banks to provide financial guarantees to project sponsors, and a necessary guiding document in the construction process of project building. Generally by the national project management department as the project evaluation party or the project sponsor's higher departments, the organization of relevant experts, or authorized to commission a professional consulting firm, intended to provide loans for the target project of the bank to implement the project evaluation and the production of the project evaluation report.
Text:
Dejiang County Social Security Bureau new product development project
Assessment report
I. Background of the project development
In order to strengthen the administrative, institutional financial funds under the management of the administrative, Agricultural Bank of China, Dejiang County Branch, under the guidance and assistance of the higher level of the bank, the implementation of up and down the linkage of the public relations, and vigorously expand the institutional category of the law of the NPC customers, by the Dejiang County Commission The new Dejiang County Social Security Bureau has become a hotspot for competition among financial institutions because of the large number of units and individuals involved and the size of the funds, and the bank has become a hotspot for competition among financial institutions. The Dejiang County Branch of the Agricultural Bank of China, with the help of the higher-level bank and the personal support of the bank's leaders, has won the consent of the county party committee and the government to open all the accounts of the bureau in the bank, thus winning the right to cooperate in the project.
Basic information of the project
1. Scope of management of Dejiang County Social Security Bureau
Dejiang County Social Security Bureau is the second-level bureau under the Finance Bureau of Dejiang County, which is responsible for the implementation of centralized accounting and issuance of pensions, medical care, unemployment, work-related injuries, and maternity for all administrative, enterprise and public institutions in Dejiang County. It also establishes internal accounts for each centralized unit and manages the accounting in separate accounts.
2, the scope of centralized funds and projected funds
Dejiang County Social Security Bureau only in a state-owned commercial banks to open a bank deposit account, centralized accounting units, individual pensions, medical payments and other funds are to be included in a bank account for the unified management, and by the agent bank for the unified payment. Its centralized flow of funds for pensions, medical benefits, unemployment benefits, etc. is about 5 million yuan, with a monthly average of 3 million yuan of funds retained in the financial sector; on behalf of the unit, the individual "three golds", a total of 5,000 people, "three golds" total expenditures of 5 million yuan, with a monthly average of 3 million yuan of funds retained in the financial sector. Financial sector funds accumulated month by month at the end of the year is expected to reach 15 - 20 million yuan.
3, project construction arrangements
Dejiang County Social Security Bureau plans to county administrative, enterprises and institutions in a one-time centralized start, all the preliminary work has been put in place, and now only owes part of the office equipment (attached table).
Third, the importance of the Agricultural Bank of China to fight for the account of the Social Security Bureau
In recent years, although the total amount of deposits and the incremental market share of the bank in the region ranked first in the financial industry, but the bank's operating funds overloaded situation is still not fundamentally resolved, the organization of deposits is still the center of the bank's work and the focus of the bank's work as an economically underdeveloped Dejiang County, the financial deposits and the industry system funds in the total market deposits. As an economically underdeveloped Dejiang County, financial deposits and industry system funds account for a very important and pivotal role in the total amount of market deposits, therefore, the fight for Dejiang County Social Security Bureau account for the organization of the bank's deposits, driving the development of the intermediate business is of great significance in the long term.
Firstly, it can ease the contradiction of high deposit and loan ratio and heavy capital load. As of the end of 2003, the bank's total loans of 100 million yuan, the total amount of deposits of only 100 million yuan, the loan difference of 100 million yuan, the ratio of deposits and loans reached %, borrowing 100 million yuan from the parent bank, due to the lack of deposit organization, borrowing from the parent bank every year, seriously restricting the bank to turn around the losses and digestion of the historical burden of the process.
Secondly, to retain the deposit market share and effectively stimulate deposit growth. Due to the backwardness of the regional economy and the reform of state-owned enterprises, corporate customers in addition to the tobacco industry has only a handful of better telecommunications, mobile due to the financial integration of the implementation of the two lines of management of stranded regional deposits less corporate deposits are difficult to grow effectively, and this year, the bank's savings, institutional deposits increased by 100 million yuan, accounting for the bank's deposit incremental %, therefore, the Social Security Administration account and the issuance of the "three gold" business can pull the bank's accounts. Therefore, the social security bureau account and the business of issuing "three kinds of money" on behalf of the bank can stimulate the stable growth of the bank's savings and institutional deposits. Otherwise, losing this key account means that our bank loses a big system customer.
Third, change the account belongs to the historical reasons caused by the bank's institutional customers deposit effective growth is insufficient. Because of the planned economic system of the national professional bank by industry division of labor and did not seize the account cleaning business opportunities in the 80s, resulting in the Bank's possession of administrative institutions, organizations and groups of customers account market share of the status quo is low, a serious constraint on the effective growth of institutional deposits, and now if you can be the customer into the Bank, it will be a major business opportunity.
Project Investment Estimates
The project is expected to invest a total of 10,000 yuan, the bank invested 10,000 yuan,
Which:
1, the establishment of social security payment hall, set up in the old-age insurance payment office, medical insurance payment office, workers' compensation insurance payment office, maternity insurance payment office. The area of the payment hall is 150-200 square meters, requiring a cost of 135,000 yuan;
2. Purchase 11 sets of office desks and chairs, requiring a cost of 0.8 million yuan;
3. Purchase 10 sets of computer equipment, requiring a cost of 50,000 yuan;
4. Purchase an official car, requiring a cost of 60,000-80,000 yuan;
5, Purchase of a laptop computer at a cost of 15,000 yuan;
6. Purchase of a laser scanning and copying machine at a cost of 15,000 yuan;
7. Purchase of two vertical air-conditioners, five hanging air-conditioners and 20 electric stoves at a cost of 30,000 yuan;
8. Purchase of five facsimile machines at a cost of 0.8 million yuan;
The above costs total: 10,000 yuan.
Fifth, the investment recovery analysis
From 2005 onwards my bank in the project can be gained for: the first year of 10,000 yuan, the second year of 10,000 yuan, the third year of 10,000 yuan, the project the first three years of the cumulative total of revenue can be realized 10,000 yuan, the total investment in the project is 10,000 yuan, indicating that the project can be recovered within three years of the cost of investment.
Sixth, the project risk analysis
Through the evaluation and calculation, the total investment of the project is 10,000 yuan, from the project to bring the deposit benefit prediction, the bank invested funds to recover the period of time is: years, and the bank and the Dejiang County Social Security Bureau signed a cooperation agreement period of 20 years, indicating that the project's anti-risk ability is stronger, the risk is lower. With the increasing cooperation time, the partnership between the bank and the enterprise will be further strengthened, the concentration of funds and the scale will be increased year by year, and the Bank of Agriculture will continue to expand its operating profit while the deposit volume of the project increases. Long-term stable partnership provides a reliable guarantee for the safety of the input capital recovery.
VII. Conclusion and Suggestions
With the further deepening and continuous improvement of the reform of China's systematic fund management system, the strength and scope of the unified management of the funds of the social security system will be gradually expanded, and the establishment of a long-term, stable and friendly cooperative relationship between Farmers' Bank and local social security departments will be conducive to the stable and rapid development of Farmers' Bank's institution-type deposit business, and the injection of the low-cost deposit funds of the social security. The injection of low-cost deposit funds from the social security is conducive to increasing the bank's capital strength, which has a very important role and far-reaching significance for the bank's future development.
The successful development of the project has enabled the Agricultural Bank to establish a good social image in Dejiang County, enhanced its operational status and popularity in the county, and laid a solid foundation for the Bank's future development.
The successful development of the project has injected new blood into our bank's operation and development, broadened our bank's development channels, and played an important role in our bank's long-term and stable development in Dejiang County. Firstly, it opens up a stable deposit source channel, which can promote the steady rise of the Bank's savings deposits; secondly, it can drive the investment of the Bank's institutional credit assets, increase the market share of the excellent customers of the business class, and promote the improvement of the Bank's effective credit assets, which will lay a good foundation for the realization of the operating profit; thirdly, it increases the group of the excellent individual customers, which can stimulate the effective growth of the Bank's individual consumer credit. Fourthly, there are more intermediate businesses such as collection and payment on behalf of administration and institutions, which provide a broad space for the bank to develop intermediate business in the future; fifthly, it can reduce the bank's cost of decentralized public relations for institutional business and reduce the cost of customer development; and sixthly, it can promote the improvement of the bank's business operation, and lay a foundation for the realization of the final operating profit.
Through the evaluation and analysis, our bank believes that it is very necessary to develop the social security cooperation project in Dejiang County, which has a very realistic and important significance for our bank's future development. The investment of the project can be recovered in a short period of time, and the project benefits are better and practicable. In order to make this work smoothly implemented and achieve the expected purpose, therefore, it is recommended to the higher bank to develop the Dejiang County social security project, which is hereby submitted to the second-tier branch for approval.
Agricultural Bank of China Dejiang County Branch
December 15, 2004