How to Write a Loan Investigation Report
_core chafing metal metal gun, ___F Long Horn ǜ Simply wall mount ___1, investigation: it is a way for people to understand the world, is a correct understanding of things and solve problems in a scientific way. It is also the basic means for us to do a good job in all kinds of work, and is also the basis for writing a good investigation report. Loan investigation methods. 2, research: research based on investigation, research in the survey, no survey research is empty research, only survey research and analysis, to achieve the purpose of our problem solving and analysis of the problem. 3, the report: it is a concrete embodiment of the results of the survey and research and centralized. After thorough investigation, access to a large number of relevant materials, and then carefully analyze and synthesize these materials, to clarify the object of the investigation of the whole picture of things and the inner connection, the formation of a correct point of view, which can be decided to investigate the subject of the report, proceed to write a report of the investigation. 4, the investigation report must adhere to the principle of objectivity and impartiality, factual, the problem must be reflected in the development process of the true reflection of the characters. Introduction must be based on the results of the investigation, true, objective and accurate reflection, writing an investigation report must be based on sufficient facts, with typical examples, accurate data to reflect the true face of the investigation of things. Clarify the correct conclusions drawn from the investigation. How to write a loan investigation report: loan investigation report: is the credit staff of the loan object, the borrowing project for a comprehensive investigation and analysis, the formation of written text materials. It is an important basis for the loan approval authority to review, decision-making, approval of loans, due to the credit unions involved in the loan object of the household, a wide range of amounts of different sizes, a wide range of uses, can not form a standardized text format. In practice, creditors focus on the pre-lending investigation, but in writing the loan investigation report ignored some very important basic content, so that some of the report should be contained when the situation is not reflected, to the loan review, decision-making has brought many difficulties. The basic requirements for writing a loan investigation report, the basic format, the basic content is explained as follows: the basic requirements for writing a loan investigation report: 1, we must adhere to the "truth-seeking, objective and fair" principle, true and accurate reflection of the basic situation of the borrower and the loan project, assets and liabilities, financial returns, loan material guarantee, repayment of the data should be true and reliable. The data should be true and reliable, neither exaggerated nor one-sided, mixed with personal feelings and ideas, the situation reflected in the report must be documented, real and credible. 2, the issuance and use of loans must be in line with national laws, administrative regulations and administrative rules issued by the People's Bank of China and the local government departments of the industrial policy must follow the principle of efficiency, security and liquidity. Therefore, the loan investigation report should be centered on these regulations and principles, to clarify the feasibility of the loan project, for the conclusion of the loan with or without loans, loans more or less to provide a reliable theoretical basis. 3, on the basis of the investigation and research, credit officers must be clear statement, loans with or without loans, loans more or less, loan period, interest rate, loan mode, etc. Matters that should be noted in the writing of the loan investigation report: 1, the evaluation of the words should be appropriate, can not be crowned with "Best", "very considerable", "very good" and other hyperbole. 2, the data should be accurate, while avoiding the use of ambiguous language. Special requirements: 1, the applicant is a group of companies, in the pre-credit investigation should not only analyze the parent company (consolidated statement caliber) of the overall business and financial situation, but also to analyze the parent company's own business and financial situation, focusing on the investigation and analysis of the parent company's headquarters and subordinate companies in the personnel, financial, sales and other aspects of the relationship of control, the presence of operating cash inflow, the specific purpose of the financing, the presence or absence of excessive debt. 2, to one of the associated multiple enterprises. When granting loans to one of the associated enterprises, it shall, in accordance with the relevant provisions of the Provincial Federation of Associated Enterprises on the management of loans to associated enterprises, uniformly assess the assets and liabilities, financial status, external guarantees, and mutual guarantees among associated enterprises associated with the applicant, so as to centrally control the risks.3 For low-risk businesses, it focuses on the legitimacy of the applicant, the use of the financing and the background of the trade, the ownership of the pledge, the willingness of the pledgee to guarantee, and other aspects of pre-lending and pre-taxation. For low-risk business, focusing on the legitimacy of the applicant, the use of financing and trade background, the ownership of the pledge, the willingness of the pledgor to guarantee and other aspects of the pre-credit investigation, the investigation and analysis of the business and financial status can be appropriately simplified. 4. For first-time applicants, comprehensive, detailed and in-depth investigation and analysis must be conducted in accordance with the requirements of the specification and the investigation report shall be written. For non-first-time applicants, focusing on the applicant's recent business and financial changes and the investigation and analysis of the use of financing General Farmer Loan Investigation Report should have the following content: 1, title 2, the borrower's basic situation. Mainly spells out the borrower's name, age, gender, education level, address, main members of the family, housing, each adult family members engaged in the occupation, family economic income, effective assets owned, business projects, liabilities.3, the amount of the purpose of the application for borrowing money as well as a comprehensive benefit analysis of this credit business. It is mainly an investigation of the authenticity of the purpose of the loan, including the reason for applying for the loan, type, amount, duration, repayment method and plan for using the loan, and a simple analysis of the fund-raising situation and economic benefits of the borrower's application for the loan project.4. Repayment of the original loan, mainly reflecting the creditworthiness of the business dealings with the borrower and the existence of any bad credit records.5. Guarantee and mortgage: mainly reflecting the guarantee and mortgage situation of the present loan. Mortgage situation. If the loan is guaranteed, the investigation report must fully reflect the basic situation of the guarantor, assets and liabilities, the industry, economic income, creditworthiness, and whether the guarantor is qualified. If the loan is a mortgage, the name of the collateral, the place of preservation, the clarity of property rights, quantity, quality, appraisal value, liquidity, etc. 6, the borrower's source of income and repayment plan. Mainly clarify the borrower's economic income sources, annual income, how much, repayment ability to predict whether the loan principal and interest can be returned on schedule. 7, the investigator's opinion: is the result of the investigation report. To clearly indicate that the loan and not loan, loan more or less, the period of interest rates, loan guarantees and mortgages, repayment of principal and interest payments, etc. 8, the loan approval panel (or the loan committee) comments. Enterprise loan investigation report should have the basic content 1, title, beginning (also known as the introduction). Briefly set out the borrower (person) unit for what reason to apply for a loan, the amount of the loan application, the term, the borrowing unit plans to provide loan security collateral. Lending unit to examine the loan. 2, the basic situation of the enterprise. Including the enterprise founding time, the nature of the enterprise, the geographic location, the legal representative, registered capital, business scope, the enterprise's internal organizational structure and personnel structure, the scale of investment, and economic benefits.3. Assets, liabilities and owners' equity. Asset structure: according to the latest balance sheet provided by the enterprise asset class item by item. The order of priority for the total assets, current assets, fixed assets, intangible assets. For some of the larger amount of items to be categorized in detail. At the same time, we should pay attention to the data before and after to be consistent. Sub-item totals should be equal to the total. Composition of liabilities: according to the latest balance sheet provided by the enterprise liability items item by item. The order of its present and future is total liabilities, current liabilities, long-term liabilities. For some large amounts of items to be categorized and detailed description. When describing the items of short-term borrowings and long-term borrowings, a detailed description of the enterprise's bank loans should be provided. Owners' equity: the latest balance sheet provided by the enterprise owners' equity category item by item. The order in which they appear is paid-in capital, capital surplus, surplus, and undistributed profits. When describing the paid-in capital project, the equity structure of the enterprise to explain in detail. 4, business operations: based on the profit and loss account provided by the enterprise to analyze the detailed analysis of the previous year's business operations, analyze the profitability of the enterprise, in accordance with the profit and loss account provided by the enterprise to explain item by item. At the same time, analyze the business situation of the enterprise in the previous year. Predict the business situation of the enterprise for the whole year, income and profitability. 5, project investment: according to the project feasibility assessment report submitted by the enterprise, to elaborate the project investment scale, to be detailed item by item to explain the fund-raising situation, the amount of their own funds, the amount of loan applications. Loan period and repayment plan.6. Loan guarantee collateral mode. Clarification of the application for loans in the form of guarantee and collateral. The assets and liabilities of the guarantee unit, business projects, business efficiency, the credit status of the guarantee unit, whether it has the qualification of guarantee. If the loan is mortgaged, the name, quantity, appraisal value and liquidity of the collateral should be clarified.7. Project benefit prediction and loan return situation. Analyze in detail the risk status and economic benefits of the project supported by the loan. To focus on the national industrial policy, market prospects, product technology content, product value-added, environmental protection and other aspects of the analysis. Derive the annual sales volume and profit level of the enterprise, and further deduce the amount of loan that the enterprise can return each year, analyze how many years the enterprise can recover the investment and pay off the loan. When analyzing the benefit of the loan project, the feasibility study report of the project can be referred to for analysis.8 Opinions of the investigator. According to the above analysis, a comprehensive evaluation of the borrowing unit's economic strength, credit standing, business conditions, the loan project's benefit forecasts, the loan guarantee collateral status and the loan risk situation. The final clarification of the investigator's point of view, a clear indication of the loan or not, the loan more or less, the period, interest rate, loan guarantee and collateral status, repayment of principal and interest payments. Qingdao loan Qingdao Qingdao Development Zone
Bank Loan Investigation Report
I. Loan Purpose: The company (factory) opened a basic (general) deposit account in my sub-branch, and the current balance of the loan is RMB 10,000,000 yuan, the loan is guaranteed by the way of security (collateral), and the loan is classified as normal in the first quarter of this year at the fifth level. Now because of (write the purpose of the loan) reasons, the request for a new (increase) put ten thousand yuan, by the guarantee (mortgage).
Second, the borrower's profile:
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bsp; 1, the basic situation: the company (factory) is located in the town and village (roadside), the enterprise was established in the year, the business license is valid until the year, the nature of the enterprise, the registered capital of ten thousand yuan, in the way of capital contribution (investigation of the business license, the statute and the capital verification report), of which: capital contribution of ten thousand yuan, accounting for of the registered capital, capital contribution of ten thousand yuan, accounting for the registered capital, capital contribution of ten thousand yuan, accounting for the registered capital, the capital has been fully in place. The enterprise has existing employees, including engineers and technicians, managers, business personnel. The enterprise covers an area of mu, the enterprise plant area of square meters, which has been certified land area of mu, the property area of square meters. 2004 annual loan credit rating of grade A,
2, the enterprise production: the enterprise for the (type of enterprise industry) enterprise ...... (Full text ***3508 words) This article is free, no need to register, please click directly to view the full text.
How to Write a Loan Investigation Report for an Entertainment Venue
Loan Investigation Report Format
Loan investigation report is divided into many forms, different industries will have different loan investigation report, loan investigation report format is the same, the following is a brief introduction for you to the three kinds of loan investigation report format, respectively, the farm loan The following is a brief introduction to three loan survey report format for you, respectively, farmers loan, self-employed business loan survey report format, business loan survey report format. The content is as follows:
One, agricultural loan survey report format
1, agricultural loan survey report format of the investigator's name, gender, work unit, title, manager level, the time and content of the investigation.
2, the basic situation of the investigation report format for farm loans: to write the name of the lender, age, gender, education, family members, address, engaged in occupational expertise, the degree of honesty and so on.
3, the assets and liabilities of the farm loan investigation report format: to write in detail the status of fixed assets of the lender's family specific details, quantity, square footage, location of the seat, time of purchase and construction, the current value of the other assets and mechanical equipment, name, quantity, current value. Liability situation write clear loan amount, loan form, the amount of interest owed and other liabilities, etc., to calculate the asset-liability ratio.
4, the family business situation that should be introduced in the format of the investigation report on the loan of farmers: write down the area of land contracted by the lender's family, planting the main crops, the specific number of acres, production, production value, net economic income per acre; total income from aquaculture, the number of heads, the production cycle, the production during the cycle, the output value of the economic benefits; the processing industry to write down the amount of processing, the economic benefits; out of the labor income and other conditions; comprehensive assessment of the The customer's annual income status.
5, farm loan investigation report format of the most important loan mode: belonging to the guarantee mode of loan, write the basic situation of the guarantor and assets and liabilities status, analysis and assessment of the guarantee qualification, belonging to the mortgage, to write the name of the collateral, stored in a specific location, the number of (real estate write the location of the seat of the structure, the number of rooms, number of floors, the square footage of write the occupation of the area and the floor area, accompanied by a simple plan) valuation, the source of repayment, etc. ) valuation, the source of repayment, etc.
Lastly, the survey report format for farm loans should have the investigator to write an accurate opinion of the responsibility.
Sign the collective study to determine the first, second and third responsibility, regardless of the investigator or credit union can not be signed by the ambiguity of the opinion.
Two, self-employed merchant loan investigation report format
1, self-employed merchant loan investigation report format of the investigator's name, gender, work unit, title, manager level, time and content of the investigation.
2, self-employed business loans investigation report format of the basic situation: to write the name of the lender, age, gender, education, family members, address, engaged in professional skills, integrity and so on.
3, self-employed business loan investigation report format of the assets and liabilities: to write the status of the fixed assets of the lender's family in detail, the specific breakdown, quantity, square footage, seat location, purchase and construction time, current value and current assets, accounts receivable, cash, machinery and equipment, name, quantity, current value. Liabilities write down the amount of loans, loan form, the amount of interest owed and other liabilities, etc., and calculate the asset-liability ratio.
4, self-employed business loan investigation report format shows the family business situation: write clear lender's family production and business projects, investment scale, business cycle, output value, sales income and profits, etc., a comprehensive and integrated assessment of the customer's income status.
5, self-employed business loan investigation report format is particularly important is the loan mode: belonging to the guarantee mode of loan, write the basic situation of the guarantor and assets and liabilities of the state, analyze and assess the qualifications of the guarantee, belonging to the mortgage, to write the name of the collateral, the storage of the specific location, the number of (real estate to write the structure of the seat location, the number of rooms, number of floors, the square footage of write the occupation of the area and the floor area, attached to the simple floor plan) valuation, the value of the loan. Simple floor plan) valuation, the source of repayment and so on.
Finally, the survey report format for self-employed business loans should be written by the investigator to give accurate opinions and responsibilities.
Reporting society to sign a collective study to determine the first and second responsibility, whether the investigator or credit union can not be signed by the ambiguous views, otherwise the federation will not be authorized.
Three, business loan investigation report format
1, business loan investigation report format of the investigator's name, gender, work unit, title and manager level, the content of the investigation, time and location.
2, enterprise loan investigation report format of the basic information: enterprise name, address, nature of the enterprise, registered capital, corporate license, the name of the legal representative, gender, age, title, education, professional years of experience, the degree of integrity, the names of the leading members of the technical staff and the number of employees, the products produced, registered trademarks.
3, the assets and liabilities of the enterprise loan investigation report format: fixed assets are divided into office management fixed assets, fixed assets used in production, such as plant, equipment; current assets are divided into raw materials, finished goods, accounts receivable, cash (including working capital) written item by item; intangible assets, including land, trademarks, etc.; deferred assets, unrealized amortized expenses, rent, renovation costs. Liabilities, including bank borrowings, private financing, payables itemized, bank borrowings, write down the affiliated companies, the amount of loans, loan forms, interest arrears. Owners' equity, assets and liabilities ratio.
4, enterprise loan investigation report format to introduce the production and operation of the enterprise, production scale, including the design scale and the actual scale, output value, product production and sales cycle, product sales situation and market prospects for adaptation. Cost calculations were calculated average cost of production and comprehensive average cost, average sales price, product profits, realized tax profits and net profits.
5, enterprise loan investigation report format to explain the feasibility of enterprise loan analysis, asset-liability analysis, production cycle and liquidity analysis, cash flow analysis, distribution analysis of funds, production and sales analysis, these projects should be analyzed using comparisons, trends, indicators, analysis of ways to analyze a comprehensive assessment and analysis of the risk of the loan or not, the repayment of the guarantees and sources of indebtedness proposed Conclusion of the investigation, loan or not, the amount of permitted loans, the use of loans (written in accordance with the first item of Article 5), the duration of the loan, the responsibility borne by the investigator.
6, business loan investigation report format also report the approval of the loan credit unions to sign the collective study, according to the provisions of the first and second responsible person.
7, there are other information about the enterprise loan investigation report format: enterprise balance sheet, balance sheet
Note: the above three loan investigation report format is summarized by the fine learning network, the content of the Internet, I hope to be able to solve your reference problem