Data Analysis and Verification - World Credit Organization
2.5 Data analysis and verification
Investigating and verifying all kinds of information is the central link of credit investigation. The verification method can be determined according to the actual situation.
1. Data analysis
Credit practitioners should analyze the collected data. The focus of the analysis is:
1. The authenticity of the information;
2. The relevance and reference value of the data and the purpose of the investigation.
Through data analysis, judge whether relevant data is necessary to be verified and what method to use for verification.
2. Verification of information
1. Business license and articles of association. The verification of the business license and articles of association sometimes requires a door-to-door visit, that is, investigators go to the industrial and commercial department for verification. Most local industrial and commercial departments have established online inquiries, which provides great convenience for credit investigations. The survey content of the business license includes all the registration items of the enterprise, and the client can choose to verify and understand the relevant items according to the requirements or needs of the client. Those who adopt the method of secret investigation generally do not have a copy of the other party's business license, but as long as the full name of the other party's company is clear, they can inquire.
2. The identity of the legal representative. You can directly go to the public security organ in the jurisdiction of the legal representative for verification with a copy of the ID card of the legal representative, or you can inquire through the online electronic inquiry system of the public security organ. Where a secret investigation is adopted, the identity information of the legal representative shall first be inquired from the other party's industrial and commercial registration files.
3. Verification of the profile of the company and the profile of the legal representative. According to actual needs, the key items in the introduction can be investigated and interviewed with relevant personnel.
4. Financial statements and monetary assets. If it belongs to the annual financial statement, if it has been audited, if necessary, it can be verified with the accounting firm and certified public accountant that issued the annual audit report. In addition, generally accompanied by the financial personnel of the enterprise, they should take the letter of introduction of the enterprise and go to the bank where the enterprise opens the account to print the record list of capital transactions to ensure the authenticity of the enterprise's monetary asset information.
5. Public welfare donations. Check with non-profit organizations that accept charitable donations. According to the practice of credit investigation in western countries, public welfare organizations have relatively high response and efficiency to the outside world, and since the confirmation of public welfare donations by credit institutions is actually beneficial to public welfare undertakings, therefore, sending letters or faxes to public welfare organizations for public welfare The investigation and verification of donations is also very efficient.
6. Administrative penalty records. If the method of notification and investigation is adopted, since the other party has provided the person in charge and contact information, it can be verified by telephone or other means, but it is also necessary to verify the contact number of the certification unit and the identity of the person in charge. If the method of secret investigation is adopted or the other party does not provide the person in charge and the contact number, the verification of administrative penalty records generally requires a door-to-door visit.
7. Litigation records. Such records are mainly investigated and checked by the basic people's court and the intermediate people's court where the other party is located. You can also go to the website of the Supreme People's Court to inquire. The URL is: https://www.court.gov.cn. From the home page, enter the query of the person subject to enforcement and the query of judgment documents.
8. Criminal record. Such records are mainly checked with the economic investigation departments of the county and city public security organs where the opponent is located. It can also be verified by indirectly asking the relevant people who should know. Of course, you should pay attention to the questioning skills, such as: It is said that XX was investigated by the public security department for a certain matter. Do you understand this matter?
9. Public exposure records. You can enter ICE8000 credit search and verification, the URL is: https://search.ice8000.org, and then use online search engines to search, such as: Baidu, Google, 360, the search function is relatively strong.
10. Records of business dishonesty and breach of contract. You can go to local consumers or other social groups for inquiries. You can also consult its suppliers or customers.
11. Institutional setup and management. This generally does not need to be verified. It is not necessary for the respondent to hide his management structure. If it is really necessary, he can use the method of interviewing the staff of the other party for verification.
Third, matters needing attention when using door-to-door visits
1. Make full preparations and sort out the materials that need to be checked;
2. Bring the letter of introduction and work certificate;
4. Pay attention to politeness after meeting;
5. After being rejected, you must not be impulsive or speak rudely. You must find the reason from yourself, wait patiently, and then find the other party when the other party is free;
6. Don't forget to thank the other party afterwards. You can thank the other party by mailing greeting cards, letters of commendation, and small gifts. for future work.
7. If you visit a state agency, you should find sufficient legal basis and print these basis into written materials.
Four. Points for attention when using telephone interview
1. First, check the authenticity of the contact number of the certification unit and the person in charge through normal channels;
2. Telephone interviews can only be used for relatively simple verification and confirmation work;
3. Pay attention to politeness on the phone; after being rejected, you must not be impulsive or rude. You must find the reason from yourself, wait patiently, and then find the other party when the other party is free;
4. Don't forget to thank the other party afterwards. You can thank the other party by mailing greeting cards, letters of commendation, and small gifts. for future work.
V. Points for attention when using letters
1. The wording of the letter should be courteous and clear;
2. Tell the other party clearly the date of the final reply. For example: We will look forward to your reply before December 14th.
3. Don't forget to thank the other party afterwards. You can thank the other party by mailing greeting cards, letters of commendation, and small gifts. for future work.
6. On-the-spot interview at the residence of the surveyed object
On-the-spot interview refers to the credit investigation method of observing and interviewing the production and operation site of the subject under investigation and its vicinity. The on-site visit must be done in a secret way, otherwise it may not only have no effect, but may also be confused by the illusion carefully designed by the other party. In general, the longer the on-site visit, the better the results. Secret field visits cost more, but he has very important significance, especially for small business credit investigations, which are more practical than professional financial analysis.
1. Sit down. Credit investigators wait for a few days in front of the subject's door to get a general idea of the other party's business situation. Moreover, there may be other unexpected gains, such as meeting debt collectors, etc.
2. Access. By asking the guards near the subject, the staff of the nearby restaurant, and the nearby residents sideways, you can get a general idea of the real situation of the subject.
Seven, interview the relevant staff of the subject of the investigation
Investigators can interview the legal representative or other relevant personnel of the subject of investigation as needed, consult relevant questions, and fully understand the status of the management of the other party.
VIII. Use the ICE8000 credit information collection letter to check
If the relevant insider of the subject under investigation is an [ICE8000 established trust organization], or if it is deemed necessary, the ICE8000 credit agency may be entrusted to send the "ICE8000 Credit Information Solicitation Letter" to the insider. According to the relevant provisions of "ICE8000 Credit Investigation Standards" and "ICE8000 Information Disclosure Standards", [ICE8000 has established a trust organization] to confirm or deny the contents of the letter. Units that have not signed a contract are more likely to reply when they receive the "ICE8000 Credit Information Solicitation Letter". For the format and operation method of the ICE8000 Credit Information Solicitation Letter, you can read the ICE8000 Credit Investigation Operation Instructions. However, this instrument is only applicable to ICE8000 credit institutions.The above content is excerpted from (ICE8000 credit survey, analysis, rating) (by Fang Bangjian, free to use, but please indicate the source)