What are the contents of the credit investigation report10

Enterprise credit report is a common credit product in the field of bidding, which provides comprehensive and accurate comprehensive credit information of enterprises to inquirers, provides important decision-making reference for various credit transactions, and reduces unnecessary credit risks and losses. So what does a standard business credit report contain? Today, Fang Yuan's credit will tell you about it.

1) Home page: It mainly includes the name of the report, the name of the enterprise, the name of the reporting agency, the completion time of the report, the report number, the description of the investigation, etc., and there is a statement on the legal responsibility of the report.

2) Report summary: It mainly includes a summary of the company's registration information, contact information, business conditions, credit rating and other important information. This section provides a quick overview of the credit profile of the business.

3) The body of the report: The body of the report is the part that comprehensively reflects the credit status of the enterprise, mainly including:

Business information: mainly includes information on the main business and business dealings, that is, procurement, production, sales information and the evaluation of the enterprise by the main merchants and customers.

Financial information: It mainly includes the balance sheet, income statement and main financial ratios of the enterprise. Remarks and explanations for financial data anomalies.

Information of current financial institutions: mainly including information such as the account opening of the enterprise and the name of the opening bank.

Public record information: mainly includes the positive and negative information about the enterprise recorded by the courts, industry and commerce, taxation, quality supervision, customs and other administrative and judicial departments, other institutions and organizations that undertake administrative management functions, community organizations, and electronic trading platforms. If the enterprise has been involved in litigation matters in the past two years, the relevant circumstances involved in the litigation shall be listed.

Comprehensive review: It mainly includes a comprehensive review and vertical and horizontal comparison of the company's development plan, development prospects, industry development status, etc. On the basis of rating and analysis, it can also give reference suggestions on the credit risk and credit limit of the enterprise.

4) Important explanations: mainly include credit rating assessment methods or main basis, rating symbols and interpretations, and other matters that need to be explained.

At present, the enterprise credit report is mainly used in the bidding field and the financial field, and it is mainly used in two aspects: one is for enterprises to actively understand their credit records, such as: to check whether there is bad credit information in the credit report, to compare the loan balance in the credit report with their actual loan book balance, etc.

Second, the enterprise will provide it to the counterparty, the first department or other institutions to use as proof of its own qualifications and credit status to obtain the trust of the other party, such as: to provide investment partners to be cooperated, and the first department to provide its own credit report to understand whether the enterprise has a bad record when conducting various bidding for the enterprise. It can be said to be a necessary qualification for bidding enterprises.

Credit investigation is the basis of enterprise credit management. Through credit investigation, enterprises can understand and grasp the credit status of target enterprises in a timely, systematic and objective manner, which has very important reference value in decision-making such as selecting partners, determining settlement methods or handling disputes. Write a credit investigation report objectively and truthfully, and include the real situation and the basic judgment of the investigation.

The credit report is a financial company.

Accept the customer's entrustment to investigate the credit status of the enterprise with which the customer has a business relationship, or conduct an investigation on the customer itself, so as to prove its own credit business activities to the business object.

Credit is a civil subject.

The ability to engage in civil activities and the comprehensive evaluation made by society are the right to reputation.

Category. It is determined by factors such as the economic strength, economic benefits, performance ability and commercial reputation of the civil subject, and has the characteristics of exclusivity, temporality, non-property, objectivity, difference and absoluteness. in a market economy.

All economic entities in China are inseparable from credit in social activities, and all economic exchanges such as borrowing, lending, purchasing, selling, owing and owing to us, and so on, are directly related to credit.

The structure of the credit investigation report is as follows:

1. Introduction to the basic situation of the enterprise. Including enterprise name and address, industry category, historical background, branches, development history, business projects, etc.;

2. Description of the organization and business managers. Introduce the company's major shareholders, background, share structure, capital changes, directors and supervisors, actual management team and employees;

3. Description of operation and operation management. Introduce the company's business performance, operating products, main equipment, marketing activities and payments, competitors, rules and regulations.

the formulation and implementation of the situation;

4. Financial overview analysis. Presentation of the company's annual financial report on the current ratio.

Quick ratio, debt-to-asset ratio, and inventory turnover.

Analysis of important financial ratios such as operating profit margin, description of current loans with banks and solvency, etc.;

5. General analysis. Explain the industry dynamics, development prospects, current economic conditions, market conditions, etc., comprehensively analyze the history and current situation of the enterprise, give evaluation conclusions, and recommend relevant programs.

The corporate credit investigation report is based on the in-depth operation and development status and financial results of the company, combined with the background of shareholders and leaders, the credit rating of the company, so that you can accurately grasp the information and intelligence of competitors, partners and target customers, formulate countermeasures in advance, and actively adjust the way of cooperation, so as to ensure that you can avoid business risks as much as possible while earning maximum profits.

The credit report includes the following:

1. Basic personal information. Such as name, gender, ID number, home address, date of birth, employer, contact**, etc.;

2. Credit transaction information. It mainly includes credit card information, such as card application time, bank, repayment status, loan information (such as mortgage purchase time, car purchase time, loan balance, repayment status, etc.), information on guaranteeing others, etc.;

3. Other information (such as personal provident fund, pension information, etc.). With the maturity of credit conditions, personal credit reports will also be included in the personal tax arrears cancellation information, court judgment information, telecommunications payment information, etc.

The contents of the personal credit report are as follows:

1. Report title. personal credit report;

2. Report header. It is the identification information of the credit report and loss report, including the report number, the time when the report was generated, as well as the name, certificate type, certificate number and marital status of the information subject;

3. Credit history. It reflects the summary and detailed information of the loan or credit card accounts handled by the information subject in various commercial banks or other credit granting institutions, including the basic information of the account, the current repayment information and the overdue information. It is divided into three categories: credit card, housing loan and other loans;

4. Public records. It reflects the non-credit credit information of the information subject, including tax arrears records, court litigation records, compulsory enforcement records, administrative punishment records, and telecommunications arrears records within the last 5 years;

5. Query records. It reflects the historical record of the credit report that has been queried in the last 2 years, showing which institution or who has inquired about the person's credit report when and for what reason, so as to ensure the security and confidentiality of the information subject's information;

Legal basis]:

Article 4 of the Regulations on the Administration of the Credit Reporting Industry.

The People's Bank of China (hereinafter referred to as the "Credit Investigation Industry Supervision and Management Department") and its dispatched agencies are to supervise and manage the credit reporting industry in accordance with law.

Local people's ** and relevant departments at the county level or above are to advance the establishment of a social credit system for that region or industry in accordance with law, cultivating a credit reporting market, and promoting the development of the credit reporting industry.

Credit Investigation Handling Materials:

1. Credit investigation and rebate agreement signed with our bank;

2. Power of attorney for credit investigation of overseas enterprises or credit investigation of domestic enterprises;

3. Letter of authorization for the business licensor to sign the sample and impression;

4. The annual examination of the qualified industrial and commercial business license (copy), organization ** certificate;

5. Miscellaneous. The above content is for your reference, and the actual business regulations shall prevail.

Handle related business. Elimination of type.

In order to ensure the security of enterprise transactions, it is an important part of risk prevention to conduct credit investigation on the counterparty of the transaction cooperation before the transaction. The content of credit investigation varies according to the transaction partner, content, nature and purpose.

1. Collect all kinds of information on the management of enterprise departments of ** institutions

1.Information on the industrial and commercial sector. Including registration information and whether there are violations in business activities;

2.Tax Department Information. Including whether there is tax evasion, tax arrears and other information;

3.Information on quality inspection and quarantine supervision and management, health and environmental protection and other departments. Including all kinds of "production license", "access certificate", "certificate", "certification" and other information;

4.Information on other administrative authorities such as customs, justice, labor and social security. Including the import and export information of the enterprise, whether the enterprise has economic disputes and violations with other enterprises, whether the legal person has personal illegal records that will affect the future development of the enterprise, and the social security information of the enterprise, etc.

2. Collect economic and social publicity information of enterprises

1.Deposit and loan information and main capital transaction information of the enterprise in various banks;

2.Business information of the enterprise in financial service institutions such as investment and financing;

3.Publicity reports and advertising information of enterprises in television, radio, newspapers and magazines, etc.

3. Collect comprehensive information on enterprise operation and management

1.business strategy, policy, organization and management organization, rules and regulations, etc.;

2.information on product positioning, production, innovation, equipment and technical status of the enterprise;

3.Information on enterprise marketing techniques, methods, means, market share, etc.

(1) Basic information 1, establishment time 2, business scope and business changes 3, registered capital and changes 4, enterprise nature, enterprise name and trademark 5, shareholder composition (2), business operators (3), labor status (4), operating conditions (5), affiliated enterprises (6), operation and management (7), bank transactions (8), industry situation (9), business status.

Methods of conducting credit investigation on the company:

1. Entrust a consulting company or a financial institution to conduct credit investigation on customers;

2. Through the investigation of the industrial and commercial administrative department and the economic institutions stationed abroad. General inquiries about the registration status of the worker;

3. Other ways to conduct credit investigation on the company's corporate manuscripts.

Legal basis]:

Article 7 of the Company Law of the People's Republic of China.

For a company established in accordance with the law, a business license shall be issued by the company registration authority. The date of issuance of the company's business license is the date of incorporation of the company.

The company's business license shall indicate the company's name, domicile, registered capital, business scope, name of legal representative, and other matters.

If there is a change in the items recorded in the company's business license, the company shall go through the change registration in accordance with the law, and the company registration authority shall renew the business license.

Article 23.

To establish a limited liability company, the following conditions shall be met:

1) The shareholders meet the quorum;

2) The amount of capital contribution subscribed by all shareholders in accordance with the provisions of the articles of association of the company;

3) Shareholders jointly formulate the articles of association;

4) Have a company name and establish an organizational structure that meets the requirements of a limited liability company;

5) Have a company domicile.

(1) Personal credit investigations, including credit investigations.

Investigate the business creditworthiness of your business partner, and make a comprehensive evaluation of the credibility to ensure that you are at risk in the process of cooperating with him.

2) Personal credit investigations include personal information investigations.

**, vehicle, real estate, assets, background, his friends, family, credibility and other information inquiries.

3) Personal credit investigation includes company information.

Company background, **, registration number, manager information, financial status, account number, liquidity and other information.

4) Personal credit investigation, including academic qualifications.

The degree of authenticity of the academic qualifications.

5) Personal credit investigation includes personal qualifications.

The person's previous employer, why he resigned, home address, and status.

6) Personal credit investigation includes personal credit investigation.

Resume, upbringing, family situation, hobbies, assets and credit checks.

7) Personal credit investigation, including employee loyalty investigation.

Whether the investigator violates the company's contract, harms the company's interests, and other contents that need to be investigated.

Second, the method of personal credit investigation is as follows:

Personal credit investigation is generally carried out by entrusting lawyers and consulting companies. Lawyers or consulting companies obtain information through various channels such as industry and commerce, taxation, land departments, banks, related enterprises, etc., and comprehensively analyze and use them to form a written report of personal credit investigation.

3. The basic operation steps of personal credit investigation are as follows:

1) The steps of personal credit investigation include the collection of information.

Collect the relevant information of the individual subject of the personal credit investigation, such as personal identity information, basic enterprise information, and collect as much information as possible through various channels.

2) The steps of personal credit investigation include analyzing data and formulating an investigation plan.

Conduct empirical comparison and analysis of the collected materials, find out the key points of personal credit investigation, formulate a personal credit investigation plan on the spot, and formulate a supplementary draft of the interview of personal credit investigation subjects.

3) The steps of personal credit investigation include conducting on-site personal credit investigation.

This step should be a two-person operation, one person is responsible for personal credit investigation, and one person is responsible for checking the situation and recording feedback.

4) The steps of personal credit investigation include writing a personal credit investigation report.

Write a personal credit investigation report objectively and truthfully, and include the real situation and the basic judgment of personal credit investigation.