Business Credit Investigation

Saian business research company in China - specialized in credit risk management, market research and management consulting services company, is the first survey in corporate credit and commercial credit risk management services, consulting services organizations.

First, the basic concept

Business credit information, that is, business credit refers to credit management or by the professional services related to corporate credit conditions survey and evaluation systems, and in accordance with the principles of the market open to the credit data and information, provide credit report.

Specifically, the credit information companies to reflect the investigation the following information:

- The financial sector servicing the loan on time and circumstances;
- The schedule of accounts payable vendor payments;
- Provide products and services to customers in the quantity, quality, delivery time guarantees;
- Protection of employees provide a wide range of compliance;
- Whether the tax in full and on time;
- For compliance with state laws and regulations;
- The authenticity of corporate financial statements;
- The authenticity of corporate information disclosure.

Second, the corporate credit investigation and development

When the credit (creditor) fiduciary misconduct or credit (the debtor) to pay to avoid their own responsibilities, credit risk will be generated.

The root causes of credit risk is an economic relationship between information asymmetry between market players. With the deepening social division of labor and market expansion of credit transactions, corporate credit reference agencies came into being, for enterprises, financial institutions and government departments to provide professional IT consulting and services.

Third, the purpose of business credit information

Business credit information will help the enterprises take customers, partners, fundamental credit conditions, specifically, can help companies achieve the following objectives:

- Will help the enterprises to find potential customers;
- Help companies to establish business relationships with new customers;
- Learn about the latest competitors to develop the appropriate business strategy;
- The old customer information over a certain time frame, the updated customer data;
- When customers change transactions, you can respond promptly;
- A major cooperation project, reduce risk;
- A variety of disputes with customers, including litigation.

Fourth, the types of business credit report

1, a simple business credit report

The main contents include: Registration and shareholders, corporate history, business scope, the basic operating conditions, the number of employees, payment records, litigation records, financial information is simple, the main import and export customers, the main operator resumes and other information.

Purpose: to help determine the validity of the enterprise, understand business profile for small trade or cooperation.

2, the standard business credit report

The main contents include: summaries of reports on the basis of credit, increasing corporate structure and subsidiaries, the company leadership qualities, most recently a detailed financial information and annual financial ratio analysis, business situation and development prospects, corporate site visits, industry conditions, business foreign investment, bank and other information, and gives the ideal line of credit and credit ratings.

Purpose: to help customers understand the operation and management of enterprises, financial condition and solvency, to determine the method of payment and credit, do not apply to the transaction amount, transaction number of frequent, relatively stable and sustainable trade relations.

3, deep-level business credit report

Main content: more than 3 consecutive years of detailed financial information and financial ratio analysis, detailed industry development, comprehensive management information, the basic situation of the industry, business analysis, competitive information, but also including the main leaders of the personal credit, competitor analysis, and gives a comprehensive assessment of enterprises, mainly in the stage of a long history of making evaluation of the enterprise.

Purpose: to help customers fully understand the production, operation, management, can be used as expansion of business, gain customers or to gain an important reference for bank loans, but also for large investment project feasibility analysis and business decision making of major business activities.

4 follow-up report on corporate credit investigation

Credit report is updated regularly in some parts. The updated some of the surveyed enterprises often spot the main financial statements, including business, management, major shareholders and the company address changes, telephone, legal and other registered matters concerning the situation changes.

5, special credit report

According to customer's specific requirements, in compliance with relevant laws and regulations under the premise, involving "simple credit report" and "deep credit report" does not include information specific credit information to provide the special information needs for production and operation Specific activities which are different from credit information needs.

Fifth, the significance of corporate credit information

1, expanding the scope of credit transactions, improve transaction efficiency
2, to encourage investment
3, prevent banks from credit risk, reduce non-performing assets of banks
4, facilitates the promotion of integrity management of credit culture, enhance credit awareness
5, is conducive to the implementation of the national macro-control policies

Sixth, corporate credit model

1, business credit model of Western countries

(1) fully market-oriented commercial operation of the business credit system. U.S. commercial credit companies, collection companies, etc. is a typical performance, they are starting from a profit purposes, by way of market action. United States is formed by Dun & Bradstreet Group, and other well-known companies as the mainstay of the business credit system.

(2) to the Central Bank established a central credit register as the main enterprise credit system. Germany, France and other European countries, mainly to take this approach. Central banks to establish a central credit registration system is mainly funded by the Government, to establish a national database network system, credit information processing is mainly for internal use banking services to prevent the risk of loans in commercial banks and the central financial supervision and monetary policy decisions.

(3) established by the Banking Association membership credit agencies and commercial credit bureau composed of business credit system. *** Is a typical representative of such a system. For example, *** Bank Association established a non-profit membership organization --*** Bank Personal Credit Information Center, responsible for consumer credit by individuals or enterprises, in which member banks can share information.

2, China's corporate credit model

China is still a non-credit countries. Draw on national experience credit, the establishment of China's credit system and corporate credit model is currently one of the important tasks. As a developing country, China's business credit system construction can not be made solely by market forces from the formation.