What Is an Appraisal Report?

An evaluation report generally refers to a written professional opinion issued by the appraisal agency of the appraiser on the value of the appraisal target under the specific purpose of the appraisal base date after performing the necessary appraisal procedures according to the requirements of relevant appraisal standards.

Evaluation Report

Right!

An evaluation report generally refers to a written professional opinion issued by the appraisal agency of the appraiser on the value of the appraisal target under the specific purpose of the appraisal base date after performing the necessary appraisal procedures according to the requirements of relevant appraisal standards.

Chinese name

Evaluation Report

In addition to the usual evaluation reports for land, real estate, mining, assets, and insurance, there are many different types of evaluation reports, such as project evaluation reports,

The evaluation report shall include the following main contents: title and symbol; statement; abstract; body text; attachment.

(1) Title and symbol

The title and symbol of the evaluation report are indispensable.

(Two) statement

The statement of the evaluation report should include the following:

(1) The registered asset appraiser adheres to the principles of independence, objectivity and fairness, follows the relevant laws, regulations and asset evaluation guidelines, and assumes corresponding responsibilities;

(2) remind the users of the evaluation report to pay attention to the description of the special items of the evaluation report and the restrictions on its use;

(3) Other contents that need to be declared.

(3) Summary

The summary of the evaluation report shall provide the main information and evaluation conclusions of the evaluation business.

(Four) the text

The text of the evaluation report shall include: (1) the client, the property right holder and other users of the evaluation report;

(2) Evaluation purpose;

(3) Evaluation objects and evaluation scope;

(4) value types and their definitions;

(5) Evaluation base date;

(6) Evaluation basis;

(7) Evaluation method;

(8) Evaluation process implementation process and situation;

(9) Evaluation assumptions;

(10) Evaluation conclusions;

(11) Explanation of special matters;

(12) Explanation of restrictions on the use of evaluation reports;

(13) Evaluation report date;

(14) Signature and seal of registered asset appraiser, seal of evaluation agency and signature of legal representative or partner.

(V) Attachments

Attachments to the evaluation report refer to data, pictures, tables, etc. related to the text.

Project Evaluation Report

Overview:

A project evaluation report is a technical and economic instrument that determines whether a target project is feasible based on a comprehensive investigation, comprehensive analysis, and scientific judgment of the target project based on a project feasibility study report provided by the project organizer. (For details, see "Writing a Project Evaluation Report" in the 2005 issue of Applied Writing.)

It is an important basis for the project authority to decide on the choice of the project, it is a strong voucher for the bank to provide fund guarantee to the project sponsor, and it is also a necessary guidance document in the process of project construction. Generally, the national project management department or the superior department of the project sponsor as the project appraiser organizes relevant experts or authorizes a professional consulting company or a bank that intends to provide loans for the target project to implement the project evaluation and produce a project evaluation report.

text:

New Product Development Project of Dejiang County Social Security Bureau

Evaluation Report

I. Project Development Background

In order to strengthen the centralized management of financial funds of administrative and public institutions, the Agricultural Bank of Dejiang County Branch, with the help of higher-level banks, implemented up-and-down public relations, vigorously expanded institutional corporate NPC customers, and was coordinated and researched by the Dejiang County Party Committee and the government several times. On January 1, 2005, the social security work was officially started. The five major insurances of endowment, medical care, unemployment, work injury, and maternity were all included in the accounting of this bureau. Centralized management of these funds is beneficial to social security and stability, and more conducive to social security. Public financial system construction,

The newly established Dejiang County Social Security Bureau has become a hotspot for competition among financial institutions due to the large number of units and individuals involved and the considerable scale of funds. With the help of superior banks, the Dejiang County Sub-branch of the Agricultural Bank of China, under the personal leadership of the Bank s leaders With the consent of the county party committee and government, all accounts of the bureau were opened with our bank, which won the right to cooperate with the project.

Second, the basic situation of the project

1. Management scope of Dejiang County Social Security Bureau

The Dejiang County Social Security Bureau is a second-level bureau under the Dejiang County Finance Bureau. It is responsible for the centralized accounting and calculation of pensions, medical care, unemployment, work injury, and births in all administrative and corporate units in Dejiang County. It also establishes internal accounts for each unit under management and manages the accounts separately.

2.The scope of centralized funds and the amount of predicted funds

The Dejiang County Social Security Bureau only opens a bank deposit account at a state-owned commercial bank. Funds such as centralized accounting units, personal pensions, and medical funds must be integrated into a bank's account for unified management and issued by the agent bank. Its centralized pension, medical benefits, unemployment benefits, and other capital flows are about 5 million yuan, and the average monthly capital of the retained financial sector is 3 million yuan. The "three golds" are issued by units and individuals, with a total of 5,000 people, and the total "three golds" expenditures For 5 million yuan, the accumulated financial sector funds are expected to reach 15-20 million yuan at the end of each month.

3. Project construction arrangements

The Dejiang County Social Security Bureau plans to start the county-level administrations, enterprises and institutions in one centralized operation. All the preliminary work has been completed, and only a part of the office equipment is owed (attached table).

The Importance of Agricultural Bank of China's Account for Social Security

In recent years, although the total deposit and incremental market share of our bank have ranked first among the financial institutions in the region, the situation of our bank's operating capital overload has not been fundamentally resolved, and the organization of deposits is still our bank's The work center and focus of Dejiang County, as an economically underdeveloped county, financial deposits and industry system funds play a very important and important role in the total market deposits. Therefore, fighting for the account of the Dejiang County Social Security Bureau for the organization of the Bank Savings and driving the development of intermediate business are of long-term significance.

First, alleviate the contradiction of high deposit-loan ratio and heavy capital load. As of the end of 2003, the total loans of our bank were 100 million yuan, and the total deposits were only 100 million yuan. The loan gap was 100 million yuan. The loan-to-deposit ratio reached%. This severely restricted the Bank's process of turning losses and digesting historical burdens.

Second, to maintain the market share of deposits and effectively promote the growth of deposits. Due to the backwardness of the regional economy and the reform of state-owned enterprises, the company's customers have been few in addition to the tobacco industry. Better telecommunications and mobile due to the financial integration of the two lines of revenue and expenditure management, there are fewer deposits in detained areas, and corporate deposits are difficult to effectively grow. This year, the savings and institutional deposits of our bank increased by 100 million yuan, accounting for% of the incremental growth of our bank's deposits. Therefore, the accounts of the Social Security Bureau and the "three gold" business can drive the steady growth of our savings and institutional deposits. Otherwise, losing this critical account means that our bank has lost a large system customer.

Third, the historical reasons for changing the ownership of accounts have led to insufficient current growth in institutional customer deposits. Due to the division of labor by industry and the failure to seize the business opportunities of account cleaning in the 1980s under the planned economy system, the current market share of administrative accounts and institutional group customer accounts held by our bank has severely restricted the effective growth of institutional deposits. It will be a great business opportunity to bring this customer into our bank.

Project Investment Estimate

The total investment of the project is estimated to be 10,000 yuan.

among them:

1. Establish a social insurance payment hall, which contains endowment insurance payment offices, medical insurance payment offices, work injury insurance payment offices, and maternity insurance payment offices. The payment hall covers an area of 150-200 square meters and costs 135,000 yuan;

2. The purchase of 11 sets of desks and chairs will cost 80,000 yuan;

3. The purchase of 10 computer equipment will cost 50,000 yuan;

4. It costs 60,000 to 80,000 yuan to buy a business car;

5. It costs 15,000 yuan to purchase a laptop computer;

6. The purchase of a laser scanning copier costs 15,000 yuan;

7. The purchase of 2 vertical air conditioners, 5 hanging air conditioners and 20 electric furnaces will cost 30,000 yuan;

8. The purchase of 5 fax machines will cost RMB 80,000;

The total cost of the above: 10,000 yuan

Five, investment recovery analysis

From 2005, the Bank's income from the project is: 10,000 yuan in the first year, 10,000 yuan in the second year, and 10,000 yuan in the third year. The cumulative income of the first three years of the project can realize 10,000 yuan, and the total investment of the project is 10,000 yuan , Indicating that the project can recover the investment cost within three years.

Project risk analysis

Through evaluation and calculation, the total investment of the project is 10,000 yuan. From the forecast of the deposit benefits brought by the project, the recovery period of the investment funds of our bank is: years. The project has strong anti-risk ability and low risk. With the continuous increase of cooperation time, the cooperation relationship between banks and enterprises will be further strengthened, the concentration and scale of funds will increase year by year, and while the amount of project deposits will increase, the operating profit will also continue to expand. The long-term and stable cooperative relationship provides a reliable guarantee for the safe recovery of invested funds.

Conclusions and recommendations

With the further deepening and continuous improvement of China's system fund management system reform, the strength and scope of the unified management of social security system funds will gradually expand. Agricultural Bank of China and local social security departments establish long-term, stable and friendly cooperative relations, which is conducive to agricultural bank institutional deposit business The stable and rapid development of the bank and the injection of low-cost deposit funds for social security will help the Bank to increase its capital strength. It will have a very important role and far-reaching significance for the future development of the Bank.

The successful development of the project enabled the Agricultural Bank of China to establish a good social image in Dejiang County, promoted the agricultural bank's operating status and popularity in the county, and laid a solid foundation for the future development of the Bank.

The successful development of the project has injected new blood into the operation and development of the Bank, broadened the development channels of the Bank, and played an important role in the long-term and stable development of the Bank in Dejiang County. First, it has opened up a stable source of deposits, which can promote the steady increase of our savings deposits. Second, it can drive the investment of institutional credit assets of our bank, increase the market share of excellent business customers, and promote effective credit of our bank. The improvement of assets lays a good foundation for realizing operating profit. Third, the addition of excellent personal customer groups can drive the effective growth of personal consumption credit of the Bank. Fourth, there are many intermediate services such as collection and payment on behalf of the administrative and public institutions, which provides a broad space for the Bank to develop intermediate business in the future. Fifth, it can reduce the cost of decentralized public relations of the Bank's institutions and reduce customer development Cost; Sixth, it can promote the improvement of our bank's business operations and lay the foundation for the ultimate operating profit.

Through evaluation and analysis, the Bank believes that the development of the social security cooperation project in Dejiang County is very necessary, which has very realistic and important significance for the future development of the Bank. The investment of the project can be recovered in a short period of time. The project has good benefits and is practicable. In order to implement this work smoothly and achieve the expected purpose, it is recommended that the superior bank develop the Dejiang County social security project and report it to the secondary branch for approval.

Agricultural Bank of China Dejiang County Branch

December 15, 2004