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Format of pre-loan investigation report

The writing format of pre-loan investigation report can be divided into two categories. One is table format, that is, fill in the contents item by item according to the printed form. Tabular writing is relatively simple and easy to write. Generally speaking, this form is used for businesses with small loans and simple internal contracts. The other is the production method, that is, the production of complete written materials, which is mainly suitable for cases with large loan application amount, complicated content or some political issues.

Pre-loan report mainly consists of title, text and tail, but there are also some parts.

(a) the title should generally indicate the name of the applicant, the loan project and the text. When writing, a formal title is usually used, that is, it begins with "About ………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………… The title should be concise and clear, so that people can grasp what the object of investigation is at a glance.

(2) This part of the text mainly states the contents of the investigation and is the key part of the report. Mainly should reflect the four contents:

1. Explain the reason and background of the investigation.

It should specify when and how many applications were made by the respondents, what the specific requirements were, and explain under what circumstances the investigation was conducted. For example, "XX Factory affiliated to Shanghai Wool and Hemp Textile Company applied to the Ministry of Textile for 3,000 tons of raw hemp of 1980 in early February, of which 15000 was Henan hemp and 1500 was imported hemp. The Textile Department called back and told the factory to allocate 3000 tons of Shandong hemp in a unified way, and confirmed the origin. In order to strengthen production services and improve the efficiency of capital use, we investigated the situation of raw material cannabis needed by the factory. "

2. State the situation of the investigated unit.

Investigation is the basis for deciding whether to lend money to a bank, and the specific writing method should be determined according to the different respondents. Generally speaking, the scale of the enterprise, the number of employees, technical strength, plant and equipment conditions, fixed assets, liquidity, product market supply and demand and the ability to repay loans should be explained. If it is a loan to develop new products, it should focus on the technical ability, product performance, quality, development scale, cost, market demand prospect analysis, sales channels and possible economic benefits of new product development according to the investigation; In the case of commercial loans, it should mainly explain the size, financial strength, name and quantity of goods ordered, supply source and market demand of the unit applying for loans to confirm its solvency. The investigation is mainly to provide the basis for the final loan and non-loan. Therefore, only the survey results need to be displayed.

3. Analyze the specific content of the survey.

(1) The investigation content should be specific and informative. As mentioned above, the content of the investigation is to provide a basis for the conclusion of whether or not to lend money. Therefore, it should be specific and informative written materials. The relevant content of applying for a loan should not be allowed to go to the next level, and the basis for its establishment should also be clearly stated. If the contents of the investigation are detailed and clear, the conclusion of the investigation will certainly have sufficient theoretical basis. Otherwise, it will greatly weaken the authenticity and reliability of the investigation content and make the investigation conclusion weak. The following paragraph makes this mistake. "... according to the appraisal of relevant experts, the product has good performance, and the current market demand exceeds supply. If it is developed for exclusive production, it will definitely enter the international market and obtain objective economic benefits. Although this passage illustrates the results of the investigation, it is very general and lacks reliable basis. First of all, the situation of the appraisal, such as holding an expert appraisal meeting or reporting to the relevant departments for appraisal and approval, who the appraiser is and what his professional title is, has not been explained. Secondly, just saying "good product performance" is also empty. It will be more convincing if we can specify the test results of this new product or compare it with other similar products. Thirdly, the "goods that are currently in short supply in the market" should also indicate the source basis of identification, such as what consumption information, economic reference information or someone's investigation of market demand. Because these important details are not explained in detail, people will feel unbelievable about the feasibility of developing this product after reading it.

(2) The analysis should be objective and sufficient. Because the pre-loan investigation report is submitted to the relevant business departments or superior leaders for approval, it is not enough to list only the basic information of the investigation in the investigation content. On this basis, it is necessary to objectively analyze whether loans can be issued or not, so as to show the correctness, subordination, reliability and authenticity of the analysis. Only in this way can the conclusion be tenable and recognized by the examination and approval department. This factory specializes in producing sacks, linen and hemp rope. 198 1 year plans to produce 35 sacks, 3.38 million meters of flax and 200,000 kilograms of twine, equivalent to an output value of 9.046 million yuan, an increase of 10% compared with the plan issued by the Ministry of Textile. According to this plan, 4200 tons of raw materials are needed. Basic road test of raw materials in this line:198/kloc-0 allocates 2,875 tons per year, and the estimated balance at the end of the year is 1840 tons, and another 1050 tons of imported flax arrives. 198 1 You have confirmed the raw flax * * 5770. On the premise of ensuring the early production, it did not hinder the production preparation in the coming year. ……"

In this part of the investigation, the author first analyzed the data by the method of data demonstration, and compared the planned requirements of the loan applicant with the actual implementation, indicating that the raw materials have been fully prepared, and also talked about the difficulties brought by the factory demolition to complete the production task, and naturally came to the conclusion that "the total consumption of raw materials and hemp is expected to be lower than the planned consumption next year". Then, based on the current situation, I said, "If we import 3,000 tons of raw cannabis according to the current situation ..." If the roll call reserve is too large, the backlog of funds may bring serious consequences. Because the above analysis is based on objective and convincing, the conclusion that "banks can't provide loan support" in this paper will be more reasonable and easily accepted.

(3) Clear views and plain language. The conclusion is the concrete view of the loan officer on the basis of the investigation content, and it is also the reference for the approval of relevant business departments and leaders. When writing, you should be straightforward and clear-cut, and you should not be ambiguous, let alone avoid reality and contradictions, so that the conclusion becomes blank. Because it belongs to the uplink document, it emphasizes peace, relevance and truth in language, and avoids fierce wording and blunt language.

(4) state the conclusion. This content mainly provides specific opinions on whether to lend, lend more or not on the basis of investigation, which is convenient for relevant business departments or superior leaders to examine and approve.

(3) There are two main contents in the tail: one is the title of the investigator, and the other is the year, month and day of production.

Three, write a survey report before the loan requirements

Writing a pre-loan investigation report is an indispensable link for credit personnel in the process of handling loan business. A clear, logical, thorough analysis, accurate and concise pre-loan investigation report usually helps loan examiners and approvers to understand the general situation of loans quickly and comprehensively. How to write a good pre-loan investigation report? I think we should pay attention to the following aspects:

(A) seeking truth from facts is not an exaggeration

Based on facts, truthfully stating the investigation situation is the criterion that credit personnel must follow. After the borrower submits the loan application and related materials, the credit personnel shall conduct an in-depth investigation on the key issues such as the borrower's operating status, financial status and guarantee strength, and write a pre-loan investigation report on the basis of mastering the first-hand information of the borrower. Investigators must seek truth from facts, respect the facts, truthfully reflect what they have learned in the investigation report, and must not exaggerate the facts. Investigators should be responsible for the authenticity of the investigation content, try not to use statements that are inconsistent with the facts in the report, and don't copy the statements in the loan application without verification. You know, in order to get a loan smoothly, the borrower's loan application often contains some water. For example, the general location of its development projects is described as "golden land of geomantic omen", but its asset scale is generally described as "strong financial strength", and what else is "among the best" and "unlimited prospects". As loan investigators, they should not follow the crowd when writing the investigation report, but should go deep into the borrowing enterprises to conduct in-depth and detailed investigation and understanding, verify the borrower's situation, and make a statement realistically to avoid potential loan risks caused by false investigations.

(b) Clear without clutter

Writing a pre-loan investigation report and planning the layout of articles, although not comparable to writing a paper, should be clear and definite. When writing, be sure to make statements in the order and content specified in the "Reporting Requirements" in the loan file. The following are the requirements for stating the main issues when writing the pre-loan investigation report:

1. Description of loan use YRP-_)U The report should be "straight to the point" at the beginning, briefly explaining why the borrower needs to apply for a loan from our agency, its own funds and the gap, how to raise the follow-up funds, and the amount and duration of the loan application. On the issue of loan use, we should pay special attention to its compliance, legality and rationality (whether its business scale matches the loan amount applied for).

2. The feasibility of the project and the overall operation of the enterprise

Some credit officers copied all the contents listed in the business license provided by the borrower when writing the pre-loan investigation report, as well as the code number, tax registration certificate and loan card number. In fact, these basic data examiners can see at a glance when reviewing the loan data, and the investigators do not need to list them one by one in the investigation report, but only need to make a simple introduction to the overall operation of the enterprise. It is important to analyze the feasibility of the project, market development prospects, profit forecast, whether there is enough cash flow support, and the degree of risk after our loan is invested in the project. If it is a real estate development loan, it should explain whether the procedures of the project are complete, the proportion of the total investment and capital invested by the developer, the payment of land transfer fees, the funding gap, and the solutions and sources.

According to the annual financial statements provided by the borrowing enterprise in the last month and the last three years, this paper analyzes whether the asset structure of the enterprise is reasonable, the reasons for its asset changes (especially abnormal changes), the situation of its equity investment, the short-term and long-term solvency of the enterprise, that is, whether the first repayment source is sufficient, and judges the overall controllability of the enterprise assets.

3. Analyze whether the second repayment source is sufficient.

The second repayment source analysis includes the analysis of the subject matter of mortgage guarantee or the guarantee strength of guarantor. When introducing the situation of collateral, we should pay attention to analyze whether the assessed value of collateral is reasonable and how easy it is to realize it. The analysis can refer to the rental and sales prices of similar properties around the lot where the collateral is located. The analysis of the guarantor's guarantee strength should focus on its asset scale, asset-liability ratio and contingent liabilities. And judge whether it has sufficient guarantee ability for the loan.

4. Analyze the main risks and corresponding countermeasures.

5. An explanation of other circumstances or related interests.

The relevant income brought by the project to the agency refers to the income brought to the agency by the increase of deposit settlement and the development of additional business or intermediary business after the loan is issued, rather than the interest income generated by the loan in the agency. In previous pre-lending investigation reports, we often see the expression "the interest income that the loan will bring is RMB ×××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××

If the enterprise needs to explain more other matters, it can be explained as a single matter when necessary.

6. Summarize the comprehensive opinions

Comprehensive opinion is to make a simple and comprehensive judgment on the feasibility of the loan, indicating the opinions of the loan investigator (opinions on the loan amount, term, interest rate and specific operation steps).

(3) The analysis is thorough and clear.

Some loan officers simply list the data provided by enterprises or state the superficial situation of enterprises without in-depth analysis in the pre-loan investigation report. Some investigation reports have written thousands of words, but after reading them, people feel off topic. The main reason is that the analysis is not thorough, the viewpoint is not clear, and there is no strong argument.

(D) a little literary talent and disease-free language

Writing a pre-loan investigation report can add some literary grace on the premise of seeking truth from facts, but you can't blow your own horn. We should pay attention to using extremely long sentences as little as possible, and strive to achieve consistent content, coherent structure and smooth sentences. Common language errors in the article include: missing subject, omitting object, improper collocation of words, or inaccurate use of words. Most of my colleagues have participated in the official document writing training class organized by the Associated Press, which certainly benefited a lot, so I won't go into details here.

In short, in the process of handling loan business, credit officers will do a good job of pre-loan investigation in a realistic way with the aim of safeguarding the rights and interests of credit cooperatives and preventing loan risks, constantly learn and improve their writing skills, and write high-quality pre-loan investigation reports.