Who can help me write an investigation report on the changes in my hometown? My hometown is in Haiyang, but it really doesn't exist. Yantai will do. It is urgent. Thanks in advance.

1. Who can help me write a survey report on the changes in my hometown? My hometown is in Haiyang, but it really doesn't exist. Yantai will do. It is urgent. Thanks in advance.

Investigation Report on Hometown Change During March 1932 to June 1933, the mileage of rural roads increased by 10 times. During the period of 1932- 1935, * * 42 suburban school buildings were built, so that every big village in the suburbs of Qingdao has a primary school and every small village has a branch school, which can basically accommodate children in the whole region. At the same time, a decree was issued to force them to attend school; Otherwise, it will be fined 1- 10 yuan, but the fine will be refunded. Many public schools, country parks, new hospitals, cooperatives, public security bureaus and other facilities have been established in rural areas. Building the above facilities in rural areas requires a lot of money, but rural areas rely entirely on urban income subsidies. The above-mentioned construction with this as its main purpose is actually an input of modern civilization, which has laid a foundation for the future modernization of Haiyang, such as the popularization of education, the promotion of new knowledge, the improvement of labor quality, the establishment of farm nurseries, the experimental promotion of excellent seeds and seedlings, the increase of farmers' income, and free wheat seeds, cattle, sheep, pigs and chickens. 193 1 year The population of Haiyang City is 20, with a population of 373,000. Haiyang's national industry has made great progress. The ratio of national industry to foreign investment is from 65438+/kloc-0 in 0928 to 1:8 in 936. Although foreign capital still dominates, the number and category of national industries in Haiyang are 1932, and Haiyang Observatory has been expanded on a large scale. The planning and construction of Badaguan European architectural complex has been completed. Stadium 1933 started, and only five stadiums were used. Wharf 1934 completed. Ocean, 1936, marine life research in China started. 1937, Architectural Design of Haiyang Architecture Exhibition. 1935, The Plan for Implementing Urban Planning in Haiyang City was completed, which was the third overall urban planning in the history of Haiyang. The guiding ideology of this plan is the four functions of the city put forward by Athens in 1933: "living, working, entertainment and transportation". The urban layout, administrative center and cultural center are well planned. Even 43 kilometers of rail transit has been planned-"underground (subway) is used in the city center, and elevated (light rail) is used outside the city center". In addition, the planning of greening, drainage, sewage treatment plant, cultural and sports facilities, building height and building spacing is also painstaking. This plan had a far-reaching impact on the later development of Haiyang, and many plans became reality, which also gave great inspiration to future generations, such as 1992, when Haiyang municipal government moved eastward, and in 200 1 year, the overall layout of "three islands and one bay" was put forward.

Two, an urgent need for a survey report on (planting) project loans.

Let me answer, rural survey report (part one)

Investigation location: Tonggu Township, Shuiba Village, Youyang County, Chongqing.

Youyang county is located in the southeast corner of Chongqing. It is a Tujia and Miao Autonomous County and a poverty-stricken county at the municipal level. There are 39 townships in the county. Bachun consists of 8 groups, with 265 households and 9 16 people in the village. I chose one or two groups as the subjects of investigation. Two groups ***72 households with 263 people. The stockade is built on the mountain and surrounded by mountains. The residents here are all Tujia people, but they have no other national characteristics except a few traditional customs. Obviously, it has been sinicized. The residents here follow the farming methods of their ancestors and make a living by it.

In order to make the survey realistic and avoid subjective assumptions, I first made statistics on the population age composition, labor force structure and education level of the two groups. The statistics are as follows:

Age, education, 0-20 years old, 2 1-40 years old, 4 1-60 years old, over 60 years old.

Primary school 7 1892736

Junior high school 18 1 150

High school 2000

University 1000

* * * 92 1003536

As can be seen from the above table, the education level of residents here is generally low, which is distressing. Even nine-year compulsory education is a problem. Of the 92 people under the age of 20 in the table, nearly 20 are now working outside, and almost 90% are above 16. The highest salary of these child laborers can't get the living expenses of 1000 yuan per month, and some of them can't even earn the way home; 2 1 to 40 100 people, more than 60% people go out to work, almost all of them earn money by selling coolies, and they work overtime to save money. And the money that can really be earned is pitiful; Even, many farmers over the age of 40 are working outside. In rural areas, going out to work seems to be a trend. For such a group of people who are often discriminated against by the city, the outside world is so strange and full of thorns. But they have to make a living from it? . The countryside is too poor, and being a farmer is too hard, and everyone is rushing out.

From this, I can't help but think of Li Changping, Party Secretary of Pan Qi Township, Jianli County, Hubei Province in March 2000. At the beginning of the book, he wrote: "I write to you with tears in my eyes with infinite loyalty to the party and deep sympathy for the peasants." What I want to tell you is that farmers are really suffering now, the countryside is really poor and agriculture is really dangerous! The book says: In rural areas, vagrants are like floods, burdens like Mount Tai, debts like Mount Everest, cadres like locusts, responsibilities like shackles, policies like rumors, and lies like truth? . As a native of the countryside, I can really understand how poor the countryside is and how bitter the farmers are. But when I saw the book of the Prime Minister, I couldn't help being moved all over. In this survey, I began to rethink: how poor the countryside is and how bitter the farmers are.

In the survey, when asked "What is your per capita annual income", a villager asked me to calculate an account for him. Now it is listed in the following table:

Project grain, corn, two pigs and agricultural products, one person goes out to work.

Earnings 1500 Jin, 1 100 Jin, it costs 2,500 yuan to sell (600 yuan) 200 yuan.

Project chemical fertilizer, seeds, pesticides, various fund-raising daily necessities for students, agricultural tax.

Expenditure 250 yuan 100 Yuan 250 yuan 20 yuan 200 yuan 50 yuan.

1500 kg of grain and 1 100 kg of corn in the table cannot be counted as RMB. Except for the feed that pigs need, there is just enough food left. Now, let's calculate this account for them: 6002002500=3300 yuan, 3300-250-100-250-20-200-50 = 2430 yuan. If there are 3.5 people per household, the average person can't reach 700 yuan. This is quite different from the national statistics that "the national rural per capita income has increased from 1 13.6 yuan in 1978 to 2366 yuan in 200 1 year". How did this 2366 yuan come from? The deputy director of the National Bureau of Statistics pointed out that in 200 1 year, the per capita income of urban residents in China was 6860 yuan, and that of farmers was 2366 yuan, so the ratio should have been 3: 1. When a large part of this 2,366 yuan is a blank check, the actual income of farmers is only 1800 yuan, which means that the ratio may even be 5: 1. Compared with this 6860 yuan, the proportion is close to 10: 1.

Farmers are poor, let's look at several sets of data:

1. Wang, president of the National Foundation for Poverty Alleviation, pointed out in March 2003: At present, the per capita income of rural areas in China.

The population below 500 yuan (1.37 yuan/day) is14.59 million;

The population whose per capita income is below 1000 yuan (2.74 yuan/day) is 3 1075 million;

The population whose per capita income 1000 yuan ~ 2,000 yuan (2.74~5.48 yuan per day) is 300 million yuan 1079.

Ten thousand people.

Among the 263 people in 72 households surveyed, this figure is even more shocking: nearly half of them have a per capita income below that of 500 yuan.

2. The annual growth rate of farmers' net income in China decreased from 9% in 1996 to 2. 1% in 2000. The gap between urban and rural areas has widened to 2.8: 1, which is close to the historical record of 1949 of 2.84: 1. And this 2.8: 1 is so incredible. It's really sad that farmers' income is growing so slowly and the gap between urban and rural areas is so big!

In the Daba village I investigated, there is not a school, a medical clinic, a post office, a shop, an enterprise or a 100,000 "rich man" in the village? . Residents who grow rice and corn for a living rarely change into a new suit every year. They raise chickens themselves, but rarely eat them several times a year; They grow all kinds of vegetables themselves, but in order to earn some fertilizer money, most of them eat radish and cabbage.

Farmers are poor, but they have a heavy burden. Compared with urban residents, it can be said that it is unfair and a kind of prejudice of the government against farmers.

Professor Zhong Wei, a researcher at China Academy of Social Sciences, pointed out that the total agricultural tax in China recently was 210 billion yuan, while the government's expenditure on agriculture was only 80 billion yuan. By subtracting the two, we can see that farmers have contributed 654.38+03 billion yuan to the government in vain. This kind of scissors fork is nicknamed "robbing the poor to help the rich" on the Internet.

The reasonable burden of farmers stipulated by the state should be 5% of the net income of farmers. In fact, all kinds of agricultural taxes (including local surtax, specialty tax, slaughter tax, farmland occupation tax, deed tax), retention and overall planning fees, compulsory labor and accumulation work, education and fund-raising, etc. They are all affected by other burdens (arbitrary charges, arbitrary fund-raising, arbitrary apportionment, arbitrary overweight and arbitrary fines). Its proportion far exceeds 5%. Here, let's not look at the impact of chaos and chaos on farmers' burden, but look at the rationality of this 5%. Three-for-five system (three-for-five: provident fund, public welfare fund and management fee). Five unified means: family planning fee, militia training fee, health education fee, village cadre organization fee, fund-raising school fee) as an example. Compared with urban residents. I have some grievances to the peasants in my heart. Why are things that urban residents don't have to pay reasonable in rural areas? Although the government now implements the policy of changing fees into taxes, in many places this policy is only a form.

So, what is the reason for the heavy burden on farmers?

1. Farmers' income grew slowly. The annual growth rate of farmers' net income in China decreased from 9% in 1996 to only 2. 1% in 2000. The policy of "increasing farmers' income" seems to be just a slogan. In my investigation, increasing farmers' income has become a clever move for the government to use the people. A few years ago, in order to "increase farmers' income", the government vigorously promoted flue-cured tobacco in rural areas, which made farmers who had worked hard for a lifetime to grow corn really happy. Flue-cured tobacco came out and the tobacco factory closed down. Such a good first-class flue-cured tobacco was beaten into inferior tobacco. Nowadays, the flue-cured tobacco shed that can be seen everywhere has become a cowshed.

2. There are too many grass-roots organizations in rural areas. The results of a sample survey conducted by the National Bureau of Statistics and other 1 1 ministries and commissions show that each township has 16 internal organs of the party and government, with an average staff of 158, which is 2-3 times more than the normal establishment. The average number of township subordinate units19,290 people. Let's look at another watch.

Table of Proportion of Officials and People in China in Past Dynasties

The establishment of the Western Han Dynasty, Tang Gaozong, Yuan Dynasty, Emperor Kangxi and People's Republic of China (PRC).

Proportion1:79451:39271:261:911:6001:28.

In Huanglong Town, Shaanxi Province, this ratio has actually reached 1:9, so the burden on farmers with more officials and less people will naturally not be light. Take the bus fare as the calculation. Generally, there are 40 vehicles in four departments in a county, and the annual cost alone is as high as more than 400 billion. In addition, officials talk too much, how much farmers' tax do they have to eat every year? Moreover, leaders who have more political achievements must be "good", so many towns and villages have the phenomenon of showing their political achievements by numbers. Lying about the people's feelings, even the upper-level statistics on farmers' income are too left, divorced from reality to guide rural work, and blindly formulate rural development plans. Naturally increased the burden on farmers.

3. The bankruptcy of township enterprises has increased. The only township enterprise I investigated in Tonggu Township was the cement plant, but what did it bring to farmers? It is the smoke and annoying noise all over the sky, the dust and the meager salary, and the factory manager who fled with huge sums of money. Enterprises are on the verge of breaking down factories, factories deduct wages, raise funds to expand factories, and expand factories to lose money, and factories deduct wages.

The government does not provide compulsory education, and farmers can only raise funds to run schools themselves. The dam village I investigated is not as small as my own village, so children can only go to Qinghe village and Guantang village four or five miles away to study. The country has been promoting nine-year compulsory education, but in my investigation, I found that the high tuition makes six-year compulsory education a problem. Coincidentally, children have become a new force for farmers to increase their income and reduce their burdens-farming at home and going out to work. Then grow up, get married and have children, and let the children repeat their own path. It is really sad to form a vicious circle like this!

In my investigation, I found that the average primary school student in each village is as high as 200 yuan, that is, as high as 400 yuan every year, which is higher than the charging standard in cities and towns. Here I can't help asking: When will compulsory education be popularized in rural areas? In my investigation, I found a family of seven, the mother was blind, and the two eldest daughters 18 years old were married. Leaving a son who should have been in the second grade of junior high school and a pair of twin sisters under 10. The source of the family's life depends entirely on his father's farming, and he goes to town to do odd jobs during the slack season. Due to family difficulties, my son is almost fourteen years old, and he is still a cow who goes home from semester to semester. When my father found the book Tuition or two sisters sent money, he picked up the textbook again. After graduating from primary school this year, Xiao Yangjie was very lost. Because the high tuition forced him to leave the classroom forever. Brother, wait, the two sisters are even more embarrassed.

5. The depreciation of agricultural products is first of all an account. In the past five years, the prices of agricultural products have been declining, taking cereals as an example. In the past five years, China's grain output reached 400 million tons, with an average price reduction of 20 cents per catty, so: 420000.2 = 65.438+06 billion yuan, which means that farmers lose more than 30 billion yuan on average every year. In my investigation, the responsibility system really seems to be the shackles mentioned in the Prime Minister's book. Because the price of agricultural products is too low, rural labor force has flowed out one after another, so that a large number of fertile soil and fertile fields are barren. But you have to pay several hundred yuan in agricultural tax. In many western countries, the government does not want to make money from farmers, but subsidizes agriculture. Therefore, it is necessary for China to exempt agricultural tax.

So, how to reduce the burden on farmers?

The first is to implement rural tax and fee reform. For a long time, the reform of rural taxes and fees has been difficult to get rid of the strange circle of Huang Zongxi's law. Economists use the formula to express this law as: B=ANX, where b is the tax after reform, a is the tax before reform, n is the number of reforms, and x is the miscellaneous faction in every quack. Obviously, the key to make A less than B is to make X less than 0. Therefore, to promote rural tax and fee reform, we must do the following:

1. Fees and taxes are taxes. Because the fees and taxes are much higher, the burden on farmers can be reduced without increasing other miscellaneous factions. Of course, the state put forward this policy, but the specific implementation has become a formulation in some places.

2. If you can reduce it, you can reduce it, and if you can avoid it, you can avoid it. Among the reasonable rural taxes and fees stipulated by the state, some things (relative to towns) can be said to be redundant, while others can be said to be excessive. If the government can consider "making less farmers' money" to reduce it, if it can be exempted, it can also reduce the burden on farmers.

The second is to streamline the organization, and the grass-roots leading bodies are too bloated, resulting in more officials and fewer people. There are fewer people working and more people eating. Naturally, it increases the burden on people who work. Therefore, it is urgent to streamline the grass-roots leading bodies, re-plan government departments, specifically implement their work responsibilities, and fully mobilize the enthusiasm of all departments.

Third, increase farmers' income. As farmers' income increases, the proportion of their burden will naturally decrease. In addition, increasing farmers' income is our fundamental goal. To increase farmers' income, government departments must do the following:

1. Improve the working quality of government workers and let them really do their jobs. Fully mobilize the enthusiasm of all departments and let them really serve agriculture and farmers.

2. Adjust the agricultural structure, introduce cash crops suitable for the local environment, and help farmers develop cash crops according to local conditions. Let science and technology connect with agriculture and guide farmers to develop high-tech agriculture.

3. Provide more for farmers, support farmers to develop agricultural and sideline industries, provide them with technical guidance and financial help, and solve the economic worries and technical worries of farmers' entrepreneurship.

4. Vigorously support and establish township enterprises to provide employment opportunities for farmers. Increase farmers' income while solving the problem of rural surplus labor force. At the same time, it also increased the fiscal revenue of villages and towns.

Fourth, standardize the agricultural tax environment, and strictly stop illegal acts such as arbitrary charges, arbitrary fund-raising, arbitrary apportionment, arbitrary fines, and arbitrary overweight. Clarify rural tax items and explain the relevant provisions of taxation to farmers. At the same time, we should implement the policy of "making village affairs public" put forward by the 15th National Congress. Let farmers supervise the flow of taxes and fees themselves.

Fifth, improve the rural social security system. Although we are talking about "building a well-off society in an all-round way". However, many rural areas in China are still struggling with food and clothing. Farmers who rely on their own production to support themselves basically have no minimum living guarantee. It seems that the country's social security benefits do not involve rural areas.

Sixth, improve rural postal services, communications, medical care, health, education, medical care and other infrastructure construction. Especially in rural education facilities, almost all village primary schools in rural areas are run by villagers themselves. It is conceivable that those farmers whose food and clothing are still a problem will raise funds to run a school. In the course of my investigation, I saw these acid schools.

In the investigation, I found that many problems can be said to be caused by "the countryside is too poor and the farmers are too bitter".

1. Weak legal consciousness. Due to the low education level of most people in rural areas, villagers in many places have no legal awareness at all. When you encounter something, you just rely on common sense and even force to solve it. There is no sense of self-protection at all, and some local government departments also use villagers' ignorance and weak legal concept to deceive or even intimidate them. Seriously damaged the image of government departments and the reputation of the party and the country.

2. Weak policy concept. In my investigation, I found that many villagers can't tell which fees and taxes they pay are reasonable and which are unreasonable. I don't know what policies and regulations the state has on rural taxation.

3. Weak awareness of environmental protection, which is common in rural areas. One of the most important performances is chopping wood and cooking. Due to the indifference of government departments to rural energy. Biogas, electricity and other energy sources are not widely used in rural areas, so that farmers extend their knives and axes into the Woods. When I investigated, I didn't find a biogas digester. Almost all villagers use firewood as energy for heating and cooking.

Because farmers are poor, many farmers want to increase their income by going out to work. A large number of farmers give up agriculture to work, which can naturally increase a family's income and accelerate China's industrialization. However, its negative impact is more serious:

First of all, a large number of labor outflows lead to a shortage of rural labor. As a result, the land is barren and the farmland is barren. Farmers have no confidence to focus on land, agricultural development is stagnant, and rural agriculture is facing an unprecedented crisis.

Secondly, because most farmers who go out to work have low quality and backward professional skills. Therefore, going out to work can only rely on selling coolies, and the salary is meager. The increasingly tense social employment situation and highly standardized labor quality requirements make the road for farmers to go out to work full of thorns? . Due to the disillusionment of the dream of going out to work and making big money, and the discrimination against farmers by city people, many wage earners have embarked on the road of crime, which has seriously affected social security.

Thirdly, because many parents go out to work and pay little attention to their children's growth, many rural children lack the majesty of their fathers and the warm advice of their mothers since childhood. In addition, with a low level of education, it is easy to be instigated, thus becoming a hidden danger in society.

Nearly 40 days of summer vacation is over, and I returned to school with an inexplicable heavy heart. The one-month summer vacation rural survey made me feel a lot as a student from the countryside. The countryside is poor and farmers suffer, but I believe there must be many students from the countryside like me. It seems that rural people are eager to send us to big cities. What do they want? Just for our future survival? Just to give yourself the vanity of a child who goes to college? Just to have someone to support you in the future? The answer is no, of course. They don't just want this. They have a hope and an expectation. They are looking forward to our return, and we are looking forward to changing the status quo of rural poverty and farmers' suffering. Now that the country is developing the west, it is time for our generation of college students to graduate from the west. We should respond to the call of our motherland and go to the west and countryside. Serve the motherland and repay parents. I hope it helps you!

3. Who can help me write the loan investigation report?

I lick the bank's investigation report on the amount of loans applied by borrowers. XX bank: the borrower applies for a loan of RMB (yuan). After on-the-spot investigation and demonstration by the customer department manager of our bank, the specific situation is now reported as follows: 1. Basic information of the borrower, age, (nationality) and address. Now engaged in industry, family income. Two. Use of funds The borrower's loan purpose, the amount and duration of the loan application. Three. Mortgaged borrower is willing to use the real estate under his name as loan collateral, and the address, area, structure and total investment of the real estate. After consultation with the property owner, it is agreed to lend RMB to the borrower as collateral and issue a mortgage commitment letter. Four. The source of repayment funds is that the borrower will return the income to the loan principal and interest. 5. After investigation and demonstration by the investigation team of our client department, the collateral is true, sufficient and effective, and the borrower is allowed to apply for RMB loan for a term of. Now submit it to the loan review committee for approval! Investigator: Officer YY.

4. How long does it usually take for bank loans to be approved? Will the bank pay a return visit to investigate?

Generally speaking, I will visit you in a week or so, and it will be different in different regions. After the telephone call back is passed, it can be approved in about 2 weeks, subject to the bank lending time.

Different banks have different regulations and approval processes, so the lending speed will be different. The specific circumstances require the lender to implement in accordance with the relevant regulations of the bank.

Under normal circumstances, it usually takes a borrower half a month to apply for a loan when the relevant loan conditions are met and the procedures are complete. However, because it is more troublesome to handle loans, such as mortgages, and the property needs to be mortgaged to the bank, it is normal to handle it in one month.