Who can find me a social practice survey report of about 1000 words?

Name of enterprise organization: Lanzhou Branch of China Commercial Bank

Address: (address of commercial bank you are familiar with)

Business items: citizen business, corporate business, loan business, international business, customer service center 96368, personal wealth management business, voucher-type national debt.

Financial strength: The business department of ICBC Gansu Branch (formerly Lanzhou Branch) has more than 3,000 employees, including urban branch 10, county branch 4, 5 1 person.

A branch (office) and 194 savings office provide settlement and cash services for 24,000 enterprises and institutions and 1200 industrial and commercial enterprises.

Provide a package of financial services such as credit, and provide personal financial services to more than 20 families. In recent years, according to the management requirements of commercial banks, it has been active and steady.

Vigorously promote the reform of the system and the transformation of business methods, strengthen management, strive to improve operational efficiency, strictly guard against financial risks, and adhere to compliance management.

Camp, take the road of intensive development, integrating deposit, foreign exchange loan, international business, real estate, credit card, agency and consulting.

As a whole, financial services have developed into a state-owned commercial bank with complete business, leading technology and safe and fast financial services. This is Lanzhou Land.

The healthy, stable and rapid development of the regional national economy has made due contributions.

Analysis of main macro-environmental factors, competitive characteristics, competitive intensity, competitors and competitive strength;

Commercial banks need to improve the external environment in four aspects: tax system, interest rate and rate system, credit information system and legal protection of creditors.

At present, the tax burden of banks is too high, and the tax treatment of bad debt write-off is unreasonable. Generally speaking, the current tax system is not conducive to the steady operation of banks and the accumulation of bank capital.

Under the current tax system, the government has drawn too much money from banks, and the non-performing assets of banks have increased, forcing the state to return the money to banks. Therefore, the tax policy of banks should be adjusted to meet the needs of bank reform.

In terms of interest rates and rates, because banks have no pricing power, it is difficult to hedge asset risks. There is an implicit substitution relationship between interest rate and interest rate. When the interest rate is marketized, the interest rate is marketized, and the two complement each other. However, at present, these two variables are determined by the administration, which leads to the tendency of banks to lend more once the loan-to-deposit ratio difference is enlarged.

In the construction of credit information system, the current credit information system is not perfect, and the credit information system needs the unified construction of the government. At present, there is no infrastructure to provide external information obtained by banks in loan decision-making.

Although the new bankruptcy law has improved the protection of creditors, it still has some shortcomings. For example, from the bank's point of view, the existing laws, especially the judicial system with local protection, are still very inadequate in protecting creditors.