Credit Investigation Program-World Credit Organization

2.3 Credit investigation plan

Credit practitioners can write a credit investigation plan according to the requirements of the "Credit Investigation Task Letter" or "Credit Investigation Power of Attorney". The following is a sample document reference for a credit investigation plan for a credit line of 300,000.

ICE8000 International Credit Standard System Standard Document XYDC002

About the credit investigation plan for Inner Mongolia Hongbao Trading Co., Ltd.

[Zhongyong Investigation Program No. 20080156]

Chapter 1 Project Summary

1. Objects of credit investigation:

Inner Mongolia Hongbao Trading Co., Ltd.

2. The cause of the credit investigation:

Inner Mongolia Hongbao Trading Co., Ltd. applies for the sale of goods on credit. The credit limit is 300,000 yuan and the term is three months.

Third, the purpose of credit investigation:

1. Prevent Inner Mongolia Hongbao Trading Co., Ltd. from defrauding goods with false identities;

2. Prevent Inner Mongolia Hongbao Trading Co., Ltd. from maliciously arrears of payment;

3. Prevent Inner Mongolia Hongbao Trading Co., Ltd. from being unable to pay the payment due.

Four. Credit investigation items:

1. The authenticity of the business license of Inner Mongolia Hongbao Trading Co., Ltd. and the credit evaluation records of the past three years;

2. List of shareholders;

3. The authenticity of the identity of the legal representative and the manager of the credit application;

4. The credit evaluation records of the legal representative in the past three years;

5. Inner Mongolia Hongbao Trading Co., Ltd.’s changes in senior personnel and financial situation in the past three years;

6. Trace and credit records of senior personnel of Inner Mongolia Hongbao Trading Co., Ltd. in the past three years.

V. Credit investigation period:

Before June 25, 2008

6. Determination and implementation of this plan:

This plan will be implemented after the approval of the Director of Credit Management.

7. Implementation process of this plan

Chapter 2 Data Collection

1. Planning time: May 1st to 10th, 2008

Second, we will notify Hongbao to provide the following information by way of notification and investigation:

1. A copy of the business license;

2. A copy of the ID card of the legal representative and the person in charge;

3. The credit record of Hongbao Company in the past three years;

4. The credit record of the legal representative in the past three years;

5. The list of Hongbao's suppliers in the past three years, the main goods supplied and the amount;

6. The list of executives of Hongbao Company and the changes of executives in the past three years;

7. Hongbao's financial statements for the past three years;

8. The Articles of Association of Hongbao Company;

9. The main sales methods and customers of Hongbao Company.

Third, if Hongbao Company refuses to provide the above information, it means that the company's subjective integrity is not enough, and there is a huge credit risk in cooperating with it, and this credit investigation procedure will be suspended. At the same time, the company's application for credit sales was rejected.

4. Check the ICE8000 credit file of Hongbao Company, ask it to provide an authorization password, and then use the authorization password to inquire about its relevant credit evaluation records and trace credit records.

Chapter Three Data Analysis and Verification

1. Planning time: May 11th to 15th, 2008

2. Data analysis

We analyze the information provided by Hongbao Company to find out doubts and key points of verification.

3. Our verification methods and verification items mainly include:

1. We verify the authenticity of the business license and the articles of association with the industrial and commercial department through the website of the Industrial and Commercial Bureau. If the verification cannot be verified, we will check through a credit company or a law firm;

2. Through the identity verification network of the Ministry of Public Security, we will verify the authenticity of the copy of the ID card of the legal representative and the person in charge with the public security department;

3. We contacted the supplier of Hongbao Company by phone, and checked whether the purchase amount provided by Hongbao Company was correct, and at the same time consulted the supplier about the repayment of Hongbao Company's debt.

4. If during the verification process, it is found that the information provided by Hongbao Company is not true, it means that the company's subjective integrity is not enough, and there is a huge credit risk in cooperating with it, and this credit investigation procedure will be suspended. At the same time, the company's application for credit sales was rejected.

Chapter Four Field Visit

1. Planning time: May 16th to 26th, 2008

Second, we will arrive at the location of Hongbao Company for on-site visits. The main methods and investigation contents are:

1. We will stay at the gate of Hongbao Company for seven days to record its shipments and purchases, the entry and exit of employees, and judge the number of employees and business conditions;

2. We will ask the residents near Hongbao Company what they think of Hongbao Company;

3. We will secretly consult the employee of Hongbao Company to understand the employee's views on Hongbao Company.

4. We will go to an administrative agency or court to check whether the credit record declared by Hongbao Company is true.

5. For the relevant key points and doubtful points found in the data analysis, conduct on-site visits if necessary and available.

Third, if during the verification process, it is found that the information provided by Hongbao Company is not true, it means that the company's subjective integrity is not enough, and there is a huge credit risk in cooperating with it, and this credit investigation procedure will be suspended. At the same time, the company's application for credit sales was rejected.

Chapter Five Interview

1. Planning time: May 27th to June 4th, 2008

Second, we will go to Hongbao Company to conduct interviews, interview objects and interview content

1. We will interview the legal representative of Hongbao Company, and judge his integrity and whether he is really the legal representative mainly based on the other party's style of conversation;

2. We will randomly interview an employee to understand his views on the company and the legal representative, as well as the authenticity of the personnel in the executive list;

3. Interview relevant personnel to investigate relevant key points or doubtful points in data analysis.

3. If during the verification process, it is found that the information provided by Hongbao Company is not true, or Hongbao Company refuses to interview and interview, it means that the company’s subjective integrity is not enough, and there is a huge credit risk in cooperating with it. This credit investigation procedure will abort. At the same time, the company's application for credit sales was rejected.

Chapter 6 Investigating the relevant situation

1. Planning time: June 4th to June 6th, 2008

2. For new problems discovered during the credit investigation, although they are not included in the investigation plan, but we think it is necessary to investigate, we will also conduct investigation visits.

Chapter 7 Credit Analysis

1. Planning time: June 7th to 14th, 2008

Second, we will conduct a comprehensive analysis of the investigation, the focus of which is:

2. The solvency of Hongbao Company.

Third, in the comprehensive analysis, if we find something that needs to be investigated, we will investigate the matter.

Chapter 8 Writing a credit report

From June 15th to 18th, 2008, we wrote a credit report based on credit investigation and related analysis.

Chapter 9 Other instructions

If we find a major risk during the investigation and think it is necessary to change the credit investigation task or conduct a supplementary investigation, we will promptly report it to the director of the credit management department.

Credit investigators: Zhang Zhiqiang, Liu Dezhi

April 28, 2008

The above content is excerpted from (ICE8000 credit survey, analysis, rating) (by Fang Bangjian, free to use, but please indicate the source)