BTC index of German securities
the housing provident fund management center handles the housing provident fund loan proceres for indivials without any charge. The loan fees to be paid by the borrower are mainly the cost of proction and related management fees charged by the real estate department and the appraisal institution according to the regulations when the real estate mortgage registration is handled; In addition, if an indivial is unable to provide compliance guarantee and needs to use the guarantee company for guarantee, he must pay a certain proportion of guarantee fee to the guarantee company
if the housing for loan is commercial housing or second-hand housing, indivials need to pay two parts of the fee:
1. The guarantee fee charged by the Guarantee Center for indivial housing loan is related to the loan period and loan amount. The period is long, and the guarantee fee paid per 10000 yuan is relatively large. The appraisal fee charged by the appraisal company for the house purchased. The assessment fee and guarantee fee are relatively high, which costs several thousand yuan
if the housing for which the loan is applied is affordable housing, housing reform housing or housing construction with funds raised, the only cost required is the guarantee fee of housing provident fund loan collected by the Guarantee Center. The specific calculation is:
1. Insurance premium = loan amount (provident fund loan amount + bank loan amount) × 0.6‰ × Single premium coefficient
2. Mortgage registration fee and stamp ty: if the loan amount (provident fund loan amount + bank loan amount) is less than 500000 yuan, the fee is 235 yuan, if it is more than 500000 yuan; The cost is 385 yuan
3. Notarization fee = loan amount (provident fund loan amount + bank loan amount) × 1 ‰ (minimum 200 yuan)
Business Chinese test is a national standardized test set up to test the Chinese proficiency of non Chinese first language learners in business activities. It is developed by Peking University under the Commission of China National Leading Group Office for the international promotion of Chinese,
Subject, topic, topic, subject, problem, subject
1. Pronunciation: English [&# 712; sʌ bdʒ&# 618; kt , sə bˈ dʒ Ekt] the United States; sʌ bdʒ&# 618; kt , sə bˈ dʒ Grammar: subject as a verb means "conquer, make obey", which means to make someone or something under their own influence or control or make someone or something under their own control through their own authority. It can be extended to "make suffer, experience". Subject is often used as transitive verb, followed by NOUN or pronoun as object, which can be used in passive structure< It was I who first raised the subject of plastic surgery
synonyms: theme
1, pronunciation: English[ θ iː m] Beauty[ θ iː m]
2. Definition: (of speech, article or work of Art) topic, theme, theme, (of Music) theme, main melody
Grammar: theme generally refers to the articles written by college or high school students as homework, which are limited in space and relatively complete in discussing a certain point of view. It can also refer to the main topic of a work or conversation The theme of the conference is Renaissance EuropeGross profit margin of sales = (operating revenue operating cost) ÷ business income × 100% cost gross margin = (operating revenue operating cost) ÷ Operating cost × Generally, 100% is only used to calculate the gross profit rate of sales, while the cost gross profit rate is only used to calculate the operating profit per unit cost
Main business profit = main business income main business cost main business taxes and surcharges2. Other business profit = other business income - other business expenditure
Operating profit = main business profit + other business profit - operating expenses - management expenses - financial expenses Total profit = operating profit + investment income + subsidy income + non operating income - non operating expenditure Net profit = total profit income Gross profit = running water total cost Profit = running water total cost total expense8. Cost rate = (cost of this month + inventory of last month - inventory of this month) ÷ flowing water × 100％
extended information:
catering service features:
one time catering service can only be used once, and can be enjoyed on the spot, no matter it's in the store or delivered, one meal corresponds to one service. When the meal is over, the catering service will be terminated naturally
The service utility of catering instry is intangible, which is different from tangible procts such as fruits and vegetables. The quality of catering instry can be judged by color, size and shape. Catering service can only be evaluated by the personal experience of customers after purchasing, consuming and enjoying the service On the one hand, the difference of catering service refers to that the catering service is completed by the catering department staff through manual labor, and each staff member is different e to age, gender, personality, quality and ecation level On the other hand, the same waiter will have different service attitude and service mode in different occasions, at different times, or facing different guestslearn to evaluate and diagnose the management problems of catering enterprises
cultivate modern catering new management concept and marketing management ability
master effective and systematic team management methods
how to shape the team spirit that condenses the core strength
how to improve the team quality and have good teamwork ability
how to improve the quality of dishes and services through standardized management
1、 Communication and coordination management
internal team spirit and cooperation spirit are the key. Effective and written communication among internal small departments is concive to accuracy. If there are loopholes in any link, managers should immediately coordinate and follow rules. Good communication and coordinated management can rece internal contradictions and improve service and work efficiency, which is the only way for managers
Second, plan management
to do everything, you need to have a better plan, such as: what to do in a month, how to do it, who to do it, etc. The difficulty of prediction and the degree of completion. This statement shows that only a good plan can keep a firm foothold and work in an orderly way. No matter in which enterprise or company's food and beverage management, if the unit leader or superior leader is a person without a plan, then the company is like a mess with no results
Organization management is very important in the hotel. Only a good superior can let his subordinates do their job well. A good superior should divide the tasks of his group into work and cooperation among all members to carry out catering management. The so-called organization is divided into two kinds: formal organization and informal organization. Organization management is the symbol of team spirit. To establish one's own organization, we should make clear the organization setting, post setting, and relevant system of fixed number of personnel. If you are an unorganized person, you can't be a leader Human capital management in hotels, human capital flows frequently. Arrange the human resource transfer, reasonably transfer the work and motivate the staff's work enthusiasm. On the other hand, human resource management includes department staffing, reasonable organization and scientific staffing, which can more effectively rece personnel cost. For example: to do three people's work with two people, pay can be appropriately flexible arrangements 5. Supervision management, that is to say, the corresponding supervision of command and guidance management can only be carried out under the premise of manual management, and the first level supervision should not exceed its authority 6. Control management this catering management method is the most critical step for an enterprise. If the control is not in place, the cost of each link will remain high without profit. Some hotels just do not make money, the key reason is that the market positioning is not accurate, improper marketing practices and cost control is not in placethe settlement of digital currency is more convenient, the service charge is lower, and it is more convenient to use recently, the people's Bank of China tried out the online payment method of digital RMB in Suzhou. In this activity, the citizens participating in the activity can experience double offline payment, that is to say, everyone can complete the payment with a card and contact the card. There is no need to connect to the Internet, as long as there is electricity. Therefore, digital RMB can not only complete the transaction scenario of traditional mobile payment, but also pay offline. In addition, in this event, the government prepared 20 million yuan of red envelopes, a total of 100000, more than 10000 merchants participated in the event, and the user scale was close to 100000, which was the largest since the pilot of digital currency