How to fill in the self-employed micro-loan questionnaire

First, how to fill in the self-employed microfinance questionnaire

Dear customer:

Hello! We sincerely hope to know your loan demand through this questionnaire survey, so as to provide you with more perfect and thoughtful financial services. This survey will take you about four or five minutes. thank you very much for your support！

Your age group:

A, 20-30 years old b, 3 1-40 years old c, 4 1-50 years old d, 5 1 year old or above.

2. Your educational background

A, below junior high school B, high school C, junior college D, undergraduate E, or above.

3. Number of your family members (please fill in)

4. Your main source of income

A, agricultural management b, migrant workers c, local enterprises and institutions d, doing business.

5. What was the annual income of your family in the past year?

A, less than 30,000 b, 30,000-60,000 c, 65,438+10,000 d, 65,438+00-65,438+05,000 e, 65,438+05,000 or more.

6. Do you know anything about business?

A, know B, know C a little, don't know.

7. The main channels for you to obtain such financial information are: (multiple choices are allowed)

A, newspapers, magazines and other situational carriers B, television, Internet and other electronic carriers.

C, the village committee propaganda (including slogans, radio, etc. D. publicity of banks and staff.

E, relatives, neighbors and friends.

8. If possible, which of the following channels would you prefer to get a loan from?

A, rural cooperative banks B, relatives and friends C, large commercial banks

D, other companies

9. The reasons for choosing the above options are: (multiple choices are allowed)

A, low interest rate; B, good reputation; C, the funds are sufficient, and there will be no phenomenon that the loan is not paid.

D, close to home, convenient to repay the loan E, good service

(2) 10. Have you applied for a loan (if yes, please continue, if not, the questionnaire ends here).

A, it's B, it's not.

1 1. What is the guarantee type of the loan from your financial institution (multiple loans with different guarantee types are allowed)?

A, credit loan b, multi-household joint guarantee loan c, guaranteed loan

D. mortgage loan e,

Second, can I fill in the mortgage for the debts in the questionnaire on family situation in colleges and universities, thank you?

Yes, as long as you are in debt, you can write it and it will be recognized.

Three, a survey report on the management of accounting personnel in an enterprise.

Small and medium-sized enterprises play an important role in promoting urban economic development and social stability in China. However, most enterprises simply pursue sales volume and market share, ignoring the core position of financial management, and the role of corporate financial management has not been fully exerted. The investigation team investigated the current situation of financial management of small and medium-sized enterprises in our city. Through investigation, it is found that due to the influence of various factors, there are some problems that cannot be ignored in the financial management of small and medium-sized enterprises in our city, which must be paid great attention to. 1. Basic information of small and medium-sized enterprises in the city Since the establishment of the city, especially since the 16th National Congress of the Communist Party of China, enterprises in our city have developed rapidly, and the economic aggregate has expanded rapidly, forming advantageous industries such as chemical industry, food processing, special glass and electric light source, machinery and equipment manufacturing, textile, forest paper and wood board, metallurgical building materials and electric power. According to statistics, by the end of 2005, the added value of small and medium-sized enterprises in the city was 65.438+0.495 billion yuan, there were 4,365.438+0 small and medium-sized enterprises with operating income exceeding 10 million yuan, and 5/kloc-0 enterprises with operating income exceeding 100 million yuan. By the end of June this year, the total number of small and medium-sized enterprises has reached 8,922, with an added value of 64.4%, which is the main channel to absorb laid-off workers in cities and towns. In this survey, the financial management of small and medium-sized enterprises in Henan Province was investigated in two ways. A total of 3,358 enterprises were investigated, accounting for 37.6%. Second, the main problems existing in the financial management of small and medium-sized enterprises In recent years, although the small and medium-sized enterprises in our city have developed rapidly, their capital and technology composition are low, and they are influenced by the traditional system and external macro-economy, there are problems that cannot be ignored in the financial management of small and medium-sized enterprises, mainly as follows: 1 Financing difficulty and serious shortage of working capital are indispensable resources for the survival and development of enterprises, but financing difficulty and guarantee difficulty are still the most prominent problems restricting the development of small and medium-sized enterprises at present. According to statistics, in the first half of this year, the funding gap of SMEs applying for loans in our city reached 460 million yuan. Most enterprises report a serious shortage of funds and it is extremely difficult to raise funds. The reason is that SMEs have too much debt, high financing costs and poor supporting facilities. From the bank's point of view, the "lifelong responsibility system for loans" makes bank lenders very cautious when lending. The authorization and credit system of grass-roots financial institutions do not meet the requirements of the development of small and medium-sized enterprises, and the credit business for small and medium-sized enterprises is gradually shrinking. Small and medium-sized enterprises are generally small in scale, and the cost of small loans is high. Most loans are difficult to favor large customers, so it is difficult for small and medium-sized enterprises. In addition, the preferential policies of the state are an important reason for the financing difficulties of SMEs. 4. Weak financial control, lack of scientificity At present, there is a common phenomenon of weak financial control in small and medium-sized enterprises in our city, which is mainly manifested in the following aspects: First, lax cash management leads to idle or insufficient funds. The survey found that only 1276 enterprises can strictly implement the cash management system, accounting for only a few enterprises. The more cash, the better. A large amount of cash did not participate in production turnover, resulting in idle cash waste. There are also some enterprises that lack the plan for the use of funds, purchase too much real estate, and can't cope with the urgently needed funds, which makes their finances in trouble; Second, the turnover of accounts receivable is slow and it is difficult to recover funds. Most enterprises have not established a strict credit system, lack effective credit investigation and credit evaluation for customers, and lack effective collection measures. A large number of accounts receivable can not be cashed or bad debts are formed, liquidity is tight and production is difficult. Third, the inventory control is weak, resulting in sluggish funds. Enterprises lack in-depth market research in production and business activities, blindly produce, the products produced have no market, the inventory is overstocked, and a large amount of funds are occupied, which may affect the capital operation ability, or the capital chain is completely interrupted, resulting in sluggish funds and ineffective turnover until production is stopped; Fourth, there is a lack of analysis of income, cost and profit. Usually we only focus on cash flow. Once there is a problem in the capital chain, it cannot be saved. 3. The management mode is rigid and the management concept is outdated. The typical management mode of small and medium-sized enterprises is the high unity of ownership and management rights, and the investors of enterprises are also operators, which shows that the leadership of enterprises is seriously centralized. On-the-spot investigation shows that most managers are backward in thinking, poor in management ability, lack of understanding and research on financial management theories and methods, and even lack of modern financial management concepts. Often, enterprise property and personal family property occupy each other, which leads to the division of responsibilities, ultra vires management, confusion of financial management, inadequate financial monitoring and distortion of accounting information, and financial management has lost its due position and role in enterprise management. 4. The investigation on the low quality of financial personnel shows that the quality of financial personnel in small and medium-sized enterprises in our city is generally low. In this survey, accounting personnel 1707, only 32.6% have received more than two trainings in recent three years, only 36.4% have college education, only 37.8% have certificates (accounting certificates and computerized accounting certificates), and only 37.8% are full-time accounting personnel. Due to the long-term lack of training of financial personnel, the education level is generally low, the concept of financial management lags behind, the knowledge of financial management is lacking, and the financial management methods are backward. In addition, the problem of enterprise financial management is also manifested in the low level of financial file management in some enterprises. Among the enterprises surveyed, there are 790 enterprises with good financial file filing management, accounting for only 23.5%. Most enterprises' financial archives management is not up to standard, and some small enterprises' financial archives are stored like waste paper piles, and financial information is easy to be lost, thus affecting the continued development of related economic activities and the smooth settlement of the economy. Third, the main measures to solve the financial management problems of small and medium-sized enterprises With the deepening of reform and the improvement of the market economy, the market competition is more intense, the financial management problems of small and medium-sized enterprises will become more prominent, and the task of financial management will become more arduous. Effective measures must be taken to solve them seriously. 1. Strengthen enterprise management and improve management level. First, raise awareness. We must truly realize that managing, using and controlling funds is not only the responsibility of the financial department of the enterprise, but also related to all departments and production and operation links of the enterprise, and strengthen financial management, especially fund management, to all links and functional departments within the enterprise. Second, to improve the efficiency of capital use, we should fully predict the time of capital recovery and payment, realize the effective combination of capital use and sources, and rationally allocate working capital and fixed capital to achieve the best effect of capital use. Third, actively financing, establish modern financing consciousness, and choose appropriate financing methods according to the characteristics of enterprises. 3. Strengthen the construction of accounting personnel and improve the management quality of all staff. According to the relevant requirements of the Accounting Law, professional training and political and ideological education should be given to accounting personnel to continuously improve their comprehensive quality. In particular, it is necessary to strengthen the professional ethics and discipline education of accounting personnel, enhance their sense of supervision, and conscientiously perform the duties of the accounting supervision system. At the same time, we should pay attention to the updating of accountants' knowledge, and consciously introduce various automatic procedures into enterprise accounting management according to the fact that enterprise accounting methods are constantly updated. 3. Scientific investment decision-making, reducing investment risks, lack of self-owned funds and financing difficulties determine that small and medium-sized enterprises must be cautious when investing and minimize investment risks. The investment of small and medium-sized enterprises should be mainly domestic investment, with emphasis on the following three aspects: first, the trial-production investment of new products, and the continuous listing of marketable new products, so that enterprises are always in an invincible position in the market competition; The second is to invest in the renovation of technical equipment, so that the equipment of enterprises is always in a competitive state and always maintains the momentum of progress; Third, we should invest in human resources, especially management and technical personnel. On the one hand, talents can be introduced through recruitment; On the other hand, we can improve our skills and quality by training existing internal personnel, and constantly update our knowledge, ideas and technologies to meet the needs of increasingly fierce market competition. 1. Pay close attention to the changes in the policy environment, enhance the core competitiveness of enterprises, actively adapt to the national macro-control, strive for survival and development in the new market environment, keep abreast of market changes, pay close attention to the existing products and consumption trends in the market, adjust the product structure in time, change the production direction, implement technological innovation, meet the needs of consumers, and consolidate and steadily expand the market share with good services, flexible mechanisms and rapid adaptability of small and medium-sized enterprises. 4. Recommendation 1. Further improve the financing preferential policies for SMEs. On June 5438+1 October1in 2003, the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises undoubtedly improved the production and operation environment of small and medium-sized enterprises and greatly promoted their development. However, the supporting laws and regulations are not perfect, and some policies that are unfavorable to SMEs' loans, such as interest rate control, are still being implemented. We should improve the financing preferential policies as soon as possible. 3. Accelerate the construction of credit guarantee system for SMEs. At present, the construction of credit guarantee system for small and medium-sized enterprises has been fully launched and made important progress. However, it is still necessary to speed up the pace, further standardize and improve, pay attention to the combination of credit guarantee and other social service systems, and provide various services for SME financing. 3. Regularly carry out training on laws, regulations and business knowledge. Relevant government departments should conduct short-term training for business operators, accountants and managers according to their respective functions to help them improve their policy, business and theoretical level. 4. Strengthen social supervision. Finance, taxation and other departments should strengthen financial supervision of small and medium-sized enterprises, urge them to improve their institutions, equip qualified accountants, take punishment measures for enterprises that do not cooperate, and designate social intermediary agencies to handle accounts for enterprises that do not have the conditions to establish accounts. At the same time, social intermediaries should give full play to their due roles, and accounting firms, taxation, industry and commerce departments should communicate with each other to form a joint force to maintain a good economic order. In addition, we should strengthen service guidance for small and medium-sized enterprises. For small and medium-sized enterprises in the early stage of their business, the government should help them choose suitable industries and vigorously improve the investment environment. For example, to provide enterprises with relatively complete market research and industry prospect analysis, and minimize investment blindness.

Four, how to fill in the questionnaire of self-employed microfinance?

Search: how to fill in the questionnaire of self-employed microfinance?