Article 1: Hotel loan investigation report

Article 1: Loan investigation report

Next Shuang Credit Union

On the *** application for a loan of 5 million yuan of investigation report **** Credit Union:

We have received the **** application for a loan of 5 million yuan from our society for the hotel decorative renovation and After the application materials for the purchase of facilities, based on the requirements of credit-related regulations, the social council of our society decided that the four comrades of ****** are responsible for the investigation of the actual situation of the **** field preliminary investigation, the situation is now reported as follows:

One: the basic situation of the borrower, credit rating:

Second: the type of loan, the purpose, duration, interest rate:

The The loan is a short-term loan for the purpose of hotel decoration and purchase of facilities, with a loan amount of 5 million yuan, a term of 24 months and an annual interest rate of %.

Three: background and basic information of the borrower's business project, capital status, spending plan, repayment and plan:

The borrower has been mainly engaged in the lodging, catering and house leasing in recent years. In many years of operation, the borrower is honest and trustworthy, and has gained a high reputation in the same industry, and he himself has grown his capital and asset strength in the continuous operation and development. This year, due to the hotel decoration and decoration and facilities purchase, by the budget lack of part of the liquidity, especially to our society to apply for a loan of 5 million yuan, the loan period of 24 months, repayment for the guest rooms and hotel income,**** market rental income, the borrower plans to return in March 20XX before the return of all the borrowing principal and interest.

Four: Borrower business forecast and analysis After investigation and understanding, the borrower in recent years mainly engaged in the accommodation and catering industry, housing leasing and market development, in the operation of the accumulation of a richer experience, better social connections, keen market insight, the last three years, annual income of more than 3 million yuan, currently engaged in the accommodation and catering industry, housing leasing profitability level is better, with a certain degree of risk-resistant ability. It has a certain risk-resistant ability. From this analysis, the borrower is fully capable of repaying the principal and interest of the loan within the loan period.

V: Guarantee, mortgage

The loan is a mortgage: 1, the collateral is located in the southeast corner of the Beiguan cross a comprehensive building, the building is located in the area and the area around the building. 2, the mortgage land land use right certificate No.: Wuguoyuan **** No. ****; mortgage land scope and area: including the building area of 1,753 square meters, and the building in front of the square covers an area of 1,536 square meters, the mortgage land use right certificate No.: Wuguoyuan **** No. ****. The square covers an area of 1536 square meters, and the total area of the mortgaged land is 3,289 square meters.3. Mortgaged building's building title certificate No.: 046132; the scope and area of the mortgaged building: including the square in front of the building covers an area of 1,536 square meters, the area of the negative floor of the building covers an area of 664 square meters, the area of the first floor of the business hall covers an area of 169 square meters, and the areas of the second, third, fourth, fifth, sixth, seventh and eighth floors are 4,217 square meters. The second, third, fourth, fifth, sixth, seventh and eighth floors have an area of 4,217 square meters, and the total mortgaged area is 5,922 square meters. The value of the collateral is about 18 million RMB. 4. The collateral is in good condition, sufficient and effective.

Six: Borrower, guarantor and credit union cooperative relationship, loan situation and external financing, guarantee situation

Borrower ***** creditworthiness is high, honest and trustworthy, no bad records. There is no more external guarantee and investment and financing behavior. The mortgagor ***** has no loan, no guarantee, no external investment and financing behavior and bad credit record in our society.

VII: Income and Repayment Analysis

Income: 1. The borrower's annual income from accommodation and catering is more than 2.4 million yuan: 2. The borrower's income from house leasing is about 600,000 yuan. VIII: Loan Risk Evaluation and Preventive Measures

The borrower's economic strength is relatively strong, with multiple channels of income, now engaged in the development prospects of the industry to see a better, more profitable, with a certain degree of anti-risk ability to achieve the ability to repay the loan principal and interest on time. Risk prevention measures: 1, when the loan, do the borrower accidental injury insurance, 2, strict adherence to the loan of the "three check system" to strengthen the borrower, the guarantor assets, funds, effective supervision. 3, adequate collateral, strong liquidity, found that the credit risk, can be timely disposal of collateral to recover the loan, 4, to strengthen the post-loan management, at any time to prompt the borrower to operate prudently. Timely grasp of the borrower's operating conditions, to ensure the absolute safety of our credit funds.

Nine: Loan Conclusion

Through the investigation, the borrower's economic strength, good faith, the credit union loan review team review, the household engaged in the industry is clear, the purpose of the loan is true, the development of the project development prospects are good, in line with the industrial policy and the relevant provisions of the loan management, agreed to a loan of 5 million yuan, the borrowing period of 24 months, the interest rate of % per annum, the quarterly clearing of the interest rate, the borrower accidental injury insurance. Borrower accidental injury insurance.

Submitted to the Federation for approval.

Investigated by:

****** Credit Union

**** Year***Month**** Day 2: Catering_Market_Research_Report

Title: Faculty (Department) : Specialized Classes: No.: Name:

Market Research Report on Catering

Modern Ports and Logistics Management Department

Marketing 1212

120303351207

Hu Yunyun

June 1, 20XX Catering Industry Market Research Report

I. Preface 1. Background of the survey

Through this survey to find out the factors of the business situation of the catering industry, through the summary and analysis of the survey to find out the business opportunities of the catering industry, but also to use this to create an opportunity for themselves to communicate with the outside world, to exercise their ability to communicate with others, and to understand the business situation of the catering industry, in order to do some padding for their own future careers.

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

(1) to understand the Taicang restaurant marketing strategy and corporate development strategy

(2) to understand the Taicang catering market capacity and potential market share, to prepare for the development of the potential market 3. Objects of the survey to the Taicang consumers as a total sample, from which 200 customers were randomly selected as the investigation of the specific object, to explore the consumer's spending power and dining habits. Survey Objects 4. Survey Methods (1) Copy Survey Method (2) Literature Screening (3) Field Survey Method (4) On-site Survey Method 5. Questionnaire

The questionnaire items are set up according to the purpose of the survey and are mainly divided into four aspects, namely, income level, consumption expenditure, dining preference and consumption frequency. The questionnaire is concise, clear, logical, and easy to process the data. 6. Collecting and organizing data Primary data collection

The primary data was obtained through the method of on-site questionnaire asked by five students in the main residential activity areas or commercial spots. 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 sample in the survey is based on the urban population. The sample capacity is 200. The questionnaire survey uses completely random sampling method. (3) Data processing

The collected data will be categorized and organized, and then computer tools will be used to analyze and process the data to provide data support for the research results. II. Taicang catering market analysis 1. Demand for scale

The catering market, the scale of demand in which must account for a considerable proportion of the demand for how much to a certain extent directly related to the catering market operation and development of good and bad. Our investigation team through a multi-day field survey, collected enough information, and carefully analyzed the Taicang catering market in the scale of demand for specific facts, through the analysis we learned that in Taicang, the economy is not too developed city, the average income level of residents to maintain the level of the middle level of the family in the food and beverage market consumption accounted for a considerable proportion, that is to say, the majority of middle-class families become the main demand for food and beverage market, the size of which must account for a considerable proportion of the demand. That is to say, most of the middle-class families have become the main demand object of the catering market. And we also concluded that in the type 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' life. Secondly, in the survey, we also concluded that about more than half of the residents are with the subjective idea to eat, reflecting the situation of unrestrained life, and they are also each time to eat the amount of money spent in a few hundred dollars, so we are not difficult to find, Taicang's catering market scale is constantly developing, and at the same time, people's needs are also constantly changing the situation. Figure the income classification of the survey population Figure consumption motivation in the sample between 20XX-4000 yuan accounted for about fifty percent of the number of people, visible Taicang residents' income level is in the national medium level, more than 20XX yuan accounted for sixty-five percent of the number of people, visible Taicang

Catering consumption market is relatively large compared to, but in Taicang under the large level of consumption of the residents of the consumption appears to be not so Tension. In terms of consumer motivation, business entertainment accounted for this shows that the long-term stability of the catering industry in Taicang should focus on at the same time can be

Figure Consumption Frequency 300-500 yuan is the main, accounted for 28% of being adjusted. Analyzed by the data can be 26% share of the small consumption market. Sample data in more than half of the respondents chose "depending on the situation", consumer behavior is relatively irregular, randomness is very large, which means that the risk of catering operations and uncertainty increased; Part III: Catering and hotel industry survey report template

Catering and hotel industry survey report template

Business Introduction

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

Part I Basic Information of the Borrowing Applicant

1. Overview of the Borrowing Applicant

2. Shareholding Structure and Changes of the Borrowing Applicant 3. Brief Introduction of Legal Representatives (the actual proprietors) as well as the Core Management Members Legal Representative (the actual proprietor)

Name; Age: □year-old; Gender: □male □female; Marital status: □unmarried □married □divorced

Home address: ID card number: Contact phone number: Social status

Political status: Deputy to the National People's Congress (NPC) □Yes, rank (position); □No Member of the Chinese People's Political Consultative Conference (CPPCC) □Yes, rank (position); □No Member of the Federation of Industry and Commerce (FICCI) □Yes, rank (position); □No Industrial position □Yes, rank; □No Credit information

Personal credit report /p>

Personal credit record (□inquired □not inquired): □No bad record □have history of bad record □have bad record 1

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

Channel 1: Contact person: ; Relationship with the operator: ; Contact phone number: Channel 2: Contact person: ; Relationship with the operator: ; Contact phone number: Soft information Description of situation: Profile of financial controller + core management members Main work resume 4. Affiliated companies (if involved need to be described)

Part II Business situation

1. Business situation (business mode, market positioning, price, number of stores, business premises, geographic location, hospitality, etc.)

2. Business results in units of ten thousand yuan

Previous year's major outlets Comparison table of revenue and cost of the previous year

Unit: million yuan

2 Part III Financial position

1. Summary table of financial data

2. Breakdown and description of major accounts (prepayments, receipts in advance, other accounts receivable and other payables, etc.):

3. Bank indebtedness category (including borrowing applicants and the actual controllers) Part IV Funding requirements and repayment Part V Part of the actual operator's family

(including spouse, children, parents and other immediate family members)

① real estate category (property, land)3 ownership proof of information or the original acquisition contract □ verified □ not verified ② movable property category (automobile) ownership proof of information □ verified □ not verified

Part VI Operational Program

Loan amount:; Term:; Variety: ;

Interest rate standard: ; Repayment mode: Control measures:

①

②

③

Part VII Comprehensive conclusions

4

Part II: Private Catering Enterprises Financing Needs Survey Report

Private Catering Enterprises Financing Research Report Questionnaire Analysis

Reform and Opening Up Since the city's small and medium-sized private catering private catering enterprises have developed rapidly, has become an irreplaceable and important force to promote economic development. In the establishment and improvement of the market economic system, increase employment, social stability, promote tax revenue, scientific and technological innovation and other aspects have a very important role. However, due to historical and geographical reasons, Zhenjiang City, small and medium-sized private catering private catering enterprises are still facing many problems in the process of development, including financing is an indisputable fact, has become a constraint on the development of small and medium-sized private catering private catering enterprises in Zhenjiang City, "bottleneck". Therefore, the construction of small and medium-sized private catering private catering enterprises suitable for the city's conditions of the financing system, to alleviate the city's small and medium-sized private catering private catering enterprises financing difficulties has become the government and many scholars urgently need to solve the problem.

Now, according to the questionnaire made by our group, we analyzed the development status of the city's private catering private catering enterprises, the important role in the national economy and the main problems in the development. And from the city's small and medium-sized private catering private catering enterprises themselves, the city's financial institutions and their support for small and medium-sized private catering private catering enterprises, as well as the city's guarantee system three aspects of the city's small and medium-sized private catering private catering enterprises financing difficulties in the status quo and characteristics of the city and from the level of the financial system and the small and medium-sized private catering private catering enterprise's own point of view to explore the small and medium-sized private catering private catering enterprises in our province. The objective and subjective reasons for financing difficulties. By filling in the content of the survey report, we focus on analyzing the internal and external causes of the loan difficulties of small and medium-sized private catering private catering enterprises. Analyzed from the bank and the private catering enterprise two aspects of the information asymmetry under the small and medium-sized private catering private catering enterprise and bank transaction behavior, pointed out that the small and medium-sized private catering private catering enterprise indirect financing difficulties in the crux of the matter. Secondly, by evaluating the financing efficiency of various financing modes, and drawing on the advanced financing modes of other excellent cities

and regions, it puts forward a financing mode focusing on solving the difficulties of small and medium-sized private catering private catering enterprises in our province in terms of loans. Finally, from the small and medium-sized private catering private catering enterprise financing of the external environment and the construction of their own two aspects of the proposed mitigation of the city's small and medium-sized private catering private catering enterprise financing difficulties in countermeasures and recommendations, which is the main innovation is the small and medium-sized private catering private catering enterprise financing theory and the Zhenjiang City small and medium-sized private catering private catering enterprise financing theory and the actual situation of the combination of the use of mathematical and theoretical models on the Zhenjiang City, small and medium-sized private catering private catering enterprise financing problems to study, put forward suitable for Zhenjiang City, small and medium-sized private catering private catering enterprise financing system.

Private catering private catering enterprises in China's economy and society has a special important position, to increase employment, active market, improve people's livelihood, and promote economic restructuring plays an irreplaceable role. Now the national public opinion are calling for a solution to the problem of private catering private catering enterprises financing difficulties. Questionnaire through the survey in-depth analysis of private catering private catering enterprises financing barriers to the causes and solutions. Private catering private catering enterprises usually have a small number of staff, a relatively small scale of assets, their business premises and equipment and other fixed assets are mainly leased or rented in a way that fixed assets accounted for a lower proportion of total assets, so it is difficult for them to obtain credit and other financial support through formal channels such as banks. The core competitiveness of private catering private catering enterprises is often manifested in intangible assets such as intellectual property rights and brand value, and relatively few fixed assets can be used as collateral. Most of the private catering private catering enterprises in the higher degree of competition in the industry, and therefore vulnerable to the market environment, national policies and economic cycle fluctuations, the ability to withstand risk is weak. To solve the financing difficulties of private catering private catering enterprises must solve the relationship between government support and market principles, and take into account the social and economic functions of private catering private catering enterprises. At present, many people think that the private catering private catering enterprises financing difficulties and social stability, expanding employment

linked, over-emphasizing its social function and ignoring its economic function,