組建小額貸款公司可行性研究報告(編輯修改稿)
2025-05-11 05:18 本頁面
【文章內(nèi)容簡介】 ，結(jié)合利率，業(yè)務(wù)范圍估算，全年資金營運按整12個月計算，營業(yè)收入可達500萬元以上，去除管理費用，國家稅收，固定資產(chǎn)折舊，凈利潤可達200萬元左右。 社會效益分析淮北鴻宇小額貸款有限公司的設(shè)立和運營，順應(yīng)天時地利，盡享人和，能夠滿足轄區(qū)內(nèi)一大批發(fā)展中的三農(nóng)企業(yè)，微型企業(yè)項目對資金的需求，幫助其克服生產(chǎn)中的臨時性困難，改善經(jīng)營狀況，增加市場競爭力，促進地方經(jīng)濟的快速健康發(fā)展，作為輔助性的融資渠道和融資方式，必將是現(xiàn)行金融體系的有益補充，可以抑制民間高利貸現(xiàn)象。我們的目標(biāo)是：穩(wěn)步經(jīng)營、充實實力，努力向村鎮(zhèn)銀行進軍，為更多的客戶服務(wù)。 風(fēng)險分析 1政策風(fēng)險 2市場風(fēng)險 從全國及我市我區(qū)經(jīng)濟情況看，經(jīng)濟運行整體態(tài)勢是好的，三農(nóng)、小企業(yè)、微型企業(yè)短期融資的需求量較大，在一定時期內(nèi)成上升趨勢，有非常穩(wěn)定的客戶群體，且農(nóng)業(yè)經(jīng)濟是可循環(huán)經(jīng)濟，因此業(yè)務(wù)發(fā)展具有較大的空間，不存在因市場萎縮而造成枯竭的局面。 3出資風(fēng)險 法人股東和自然人股東資金都能按比例及時足額到位，不會因注冊資金不足影響到業(yè)務(wù)的進行，并且出資人的結(jié)構(gòu)和比例符合《公司法》、《安徽省小額貸款公司試點管理辦法》的要求，結(jié)構(gòu)科學(xué)合理，出資人共同簽定出資協(xié)議書、發(fā)起人承諾書，不會因結(jié)構(gòu)失衡而造成風(fēng)險。 4管理風(fēng)險 在經(jīng)營中，嚴(yán)格按照國家法律法規(guī)辦事，配合相關(guān)部門的各項檢查，主動匯報，內(nèi)外審計相結(jié)合，把問題消滅在萌芽狀態(tài)。 5安全風(fēng)險 做好硬件安全防范措施的同時要充分利用現(xiàn)代化科技手段，同公安消防等部門建立聯(lián)防聯(lián)合，加強內(nèi)部安全制度的執(zhí)行和落實，杜絕安全風(fēng)險的隱患。 6經(jīng)營效益風(fēng)險 本著積極服務(wù)三農(nóng)、小型企業(yè)積極開拓市場，誠信互利的原則，抓好市場營銷、抓好內(nèi)部管理和服務(wù)，開源節(jié)流，提高業(yè)務(wù)水平，充分利用有限的資源，提高使用效率，經(jīng)營效益將很可觀，小額貸款業(yè)務(wù)的發(fā)展空間將越來越大。 研究結(jié)論該項目的建設(shè)為實現(xiàn)淮北市經(jīng)濟可持續(xù)發(fā)展，為滿足三農(nóng)項目、小企業(yè)、大學(xué)生創(chuàng)業(yè)貸款和非公有制經(jīng)濟發(fā)展的迫切要求，將充分發(fā)揮小額貸款業(yè)在地區(qū)經(jīng)濟發(fā)展中的積極補充作用。本項目可解決20余人就業(yè)問題，對繁榮地方經(jīng)濟，促進安定團結(jié)，創(chuàng)造和諧社會具有十分重要的現(xiàn)實意義。 綜上所述，本項目不僅具有直接的經(jīng)濟效益，同時還具有顯著的社會效益，項目可行。 g an employment tribunal claimEmployment tribunals sort out disagreements between employers and employees.You may need to make a claim to an employment tribunal if: you don39。t agree with the disciplinary action your employer has taken against you your employer dismisses you and you think that you have been dismissed unfairly.For more information about dismissal and unfair dismissal, seeDismissal.You can make a claim to an employment tribunal, even if you haven39。tappealedagainst the disciplinary action your employer has taken against you. However, if you win your case, the tribunal may reduce any pensation awarded to you as a result of your failure to appeal.Remember that in most cases you must make an application to an employment tribunal within three months of the date when the event you are plaining about happened. If your application is received after this time limit, the tribunal will not usually accept it.If you are worried about how the time limits apply to you, take advice from one of the organisations listed underFurther help.Employment tribunals are less formal than some other courts, but it is still a legal process and you will need to give evidence under an oath or affirmation.Most people find making a claim to an employment tribunal challenging. If you are thinking about making a claim to an employment tribunal, you should get help straight away from one of the organisations listed underFurther help.If you are being represented by a solicitor at the tribunal, they may ask you to sign an agreement where you pay their fee out of your pensation if you win the case. This is known as adamagesbased agreement. In England and Wales, your solicitor can39。t charge you more than 35% of your pensation if you win the case.If you are thinking about signing up for a damagesbased agreement, you should make sure you39。re clear about the terms of the agreement. It might be best to get advice from an experienced adviser, for example, at a Citizens Advice Bureau. To find your nearest CAB, inclu
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