Credit Investigation Report-World Credit Organization

2.7 Credit investigation report

After credit analysis, a credit investigation report is finally produced. If during the process of writing the credit investigation report, it is found that there are major problems requiring supplementary investigation, the supplementary investigation shall be conducted. There are three types of credit investigation reports: one is the simple credit investigation report; the other is the standard credit investigation report; the third is the specific type of credit investigation report. , has no fixed format.

2.7.1 Good Standards for Credit Investigation Reports:

A good credit investigation report should generally meet the following characteristics:

1. In essence, it has the characteristics of being objective, true and credible;

2. From the perspective of form, the content of the report and the purpose of the investigation are well targeted;

3. From the perspective of form, it has high transparency, that is, the survey implementation process is scientific and clear, the source of data is clear, and the causal relationship between analysis results and data is clear. The higher the transparency, the greater the reference value to customers. Customers can grasp the credibility and reference value of the data according to the investigation process and data sources.

4. In terms of form, it is highly readable and easy to understand. As long as readers have a certain level of education, they can understand the content of the report and understand the causal relationship between the report's conclusions and data and analysis.

2.7.2 Simple Credit Investigation Report

The simple credit report is only the result of the investigation of the registration files of the target unit, with almost no credit analysis, and it only shows that a company exists legally. Its format and sample are as follows:

ICE8000 International Credit Standard System Document XYDC09

About Beijing Zhida Tiandi Technology Co., Ltd.

Simple credit investigation report (reference sample)

Special statement: The following company names are purely fictitious, and any similarity is purely coincidental.

On August 20, 2004, entrusted by Beijing Yongda Medical Devices Co., Ltd., we investigated the industrial and commercial registration of Beijing Zhida Tiandi Technology Co., Ltd. The report is as follows:

1. The public contact information of the company

The following information comes from the company's website, and the practitioners have verified it by phone.

Registered Address: No. 1688, Huqingping Road, Beijing

Zip Code: 200001

Tel: (010)61234567

Fax: (010)67654321

Main business address: Block B, Floor 24, No. 88, Hengshan Road, Beijing

Zip code: 200000

Tel: (010)61238888

Fax: (010)61238800

2. The business registration information of the company

The following information comes from the Industrial and Commercial Bureau, and the practitioners directly inquired at the ** Industrial and Commercial Bureau. See the attachment for the original documents.

Established: 1997-5-18

Registration date: 2002-4-22

Registration Authority: Beijing Administration for Industry and Commerce

Legal representative: Wang Tao

Registration number: 3100001012345

Enterprise nature: limited liability company

Registered capital: 10,000 thousand yuan

Business scope: Computer system equipment, office automation equipment, communication equipment, electromechanical equipment (wholesale and retail purchasing and sales agency)

Operating Period: From 1997-5-18 to 2017-5-17

Registration changes: In April 2002, the registered capital increased from 1,000,000 yuan to the current amount. The predecessor of the target company was Beijing Zhiheng Technology Development Co., Ltd., which was established on May 18, 1997. After being acquired by Beijing Xinfeng (Group) Co., Ltd. in April 2009, it became more famous, but its business scope remained basically the same.

The shareholders and shareholding ratio of the target company are as follows:

Shareholder Capital Contribution Share

Beijing Xinfeng (Group) Co., Ltd. 5, 100,000 yuan 51%

Wang Cheng 4,000 thousand yuan 40%

Fu Bin 900 thousand yuan 9%

3. Other issues that need clarification

The legal representative of the company is appointed by the major shareholder Beijing Xinfeng Company. According to the entrustment, we did not verify the identity card information of the legal representative with the public security organ.

Attachment: Survey Implementation Flowchart

Sincerely

Credit agency (stamp): Henry Te (Beijing) Credit Rating Office

Credit investigator (signature): Li Zheng Wang Tong

Date of report: August 21, 2004

2.7.3 Standard Credit Investigation Report

Standard credit report is a credit report made on the basis of credit analysis after a more in-depth investigation. It mainly includes the following contents:

1. The basic situation of the target unit:

1. The company's public business location and contact information;

2. Enterprise registration file status;

3. The main situation of the legal representative and other management personnel.

2. The operation and management of the target unit:

1. Field visits;

2. Main business;

3. Sales status;

4. Procurement status;

5. Management organization structure;

6. Financial situation.

3. The credit record of the target unit

1. Arrears records;

2. Sued records;

3. Other credit records.

Four. Credit Risk Analysis Tips

V. Credit evaluation

6. Other issues that need to be explained.

Its format and sample are as follows:

ICE8000 International Credit Standard System Document XYDC010

About Beijing Zhida Tiandi Technology Co., Ltd.

Standard credit investigation report (reference sample)

Special statement: The following company names are purely fictitious, and any similarity is purely coincidental.

From August 20th to 30th, 2004, entrusted by Beijing Zhipai Scanning Instrument Co., Ltd., we investigated the credit situation of Beijing Zhida Tiandi Technology Co., Ltd. The report is as follows:

1. Basic information of the company

1. The company's public business location and contact information

Main business address: Block B, Floor 24, No. 88, Hengshan Road, Beijing

Zip Code: 200000

Tel: (010)61238888

Fax: (010)61238800

URL: www, dlzh, com, cn

Note: The information in this part comes from the company's website, and the practitioners have verified it by phone.

2. Registration information

Established: May 18, 1997

Registration Authority: Beijing Administration for Industry and Commerce

Legal representative: Wang Tao

Registration number: 3100001012345

Enterprise nature: limited liability company

Registered capital: 10,000 thousand yuan

Business scope: computer system equipment, office automation equipment, communication equipment, electromechanical equipment (wholesale and retail purchasing and sales)

Term of operation: 20 years

Import and export rights: None

Registration changes: In April 2001, the registered capital increased from 1,000,000 yuan to the current amount

The predecessor of the target company was Beijing Zhiheng Technology Development Co., Ltd., which was established on May 18, 1997. It was later acquired by Beijing Dalong (Group) Co., Ltd. in April 2001. However, its business The scope remains largely unchanged.

Shareholders and shares

The shareholders and shareholding ratio of the target company are as follows:

Shareholder Capital Contribution Share

Beijing Dalong (Group) Co., Ltd. 5, 100,000 yuan 51%

Li Jun 4,000,000 yuan 40%

Fu Bin 900 thousand yuan 9%

Note: The information in this part comes from ** Bureau of Industry and Commerce.

3. Background of major shareholders

Beijing Dalong (Group) Co., Ltd. Address: No. 300, Dalian Road; Tel: 67891234 Mainly engaged in industrial investment and real estate development, the investment and development projects include seaside garden, new home and so on.

Note: The information in this part comes from public media reports.

4. Key management personnel

Name of person in charge Wang Tao

Position Chairman and Chairman

Gender Male

Age 36

Education background Master

Work experience Worked in the Chinese Academy of Sciences and now serves as the general manager of Beijing Dalong (Group) Co., Ltd. Since April 2000, he has also served as the chairman of the target company

Note: The information in this part comes from the information submitted by the company, and the practitioners shall verify it with the company secretary.

5. Subsidiaries

Name: Beijing Dalong Zhiheng Technology Development Co., Ltd. First Business Department

Address: 1st Floor, No. 2000, Quyang Road

Tel: 010－34561234

Fax: 010－34566789

Second Business Department of Beijing Dalong Zhiheng Technology Development Co., Ltd.

Address: No. 218, Dongfang Road, Pudong New Area

Tel: 010－56780000

Fax: 010－56788888

Note: The information in this part comes from ** Bureau of Industry and Commerce.

2. Operation and management of the target unit

The target company is a company specializing in the wholesale of computer equipment, mainly acting as an agent of computer equipment of various well-known brands.

The computing equipment wholesale industry to which the target company belongs is currently developing rapidly. The target company is relatively large-scale in the industry and has a high reputation in the local area.

In recent years, the growth rate of the target company's business income is higher than the growth rate of the entire industry, but due to fierce competition, the gross profit margin of sales has declined. The asset structure and asset efficiency of the target company are better than the average level of the same industry.

1. Field visit

On March 10, 2002, we visited the business location of the target company---Room 1201, Block B, 24th Floor, Zhengsheng Building. This building is located in the bustling area of Xuhui District, Beijing, with very convenient transportation.

According to relevant personnel from the property management office of Zhengsheng Building, the building is a Grade A office building, and the rent is about 100-120 yuan/square meter/month. The target company rents an office area of about 400 square meters. The interior furnishings of the office are standard, and the working atmosphere is tense.

2. Main business

The main business of the target company is: wholesale and retail of computer equipment.

The target company is the general agent of "Hua Ri" monitors in East China. The target company also sells "HTC" memory, "Kunpeng" hard drives, "Transit" optical drives, keyboards, mice and other products.

The products operated by the target company are well-known brands in the industry and have been in operation for a long time, and have relatively stable cooperative relations with suppliers.

3. Sales

The target company is headquartered in Beijing, with sales offices in Nanjing, Hangzhou, Hefei and Nanchang.

We visited the target company on March 10, 2002, according to the introduction of Mr. Li Jun, the general manager of the target company. The market of the target company is mainly concentrated in Beijing and big cities in Jiangsu Province, and the sales in the above areas account for more than 70% of the total sales.

The target company is planning to strengthen sales in small and medium-sized cities, mainly because the gross profit of sales in small and medium-sized cities is relatively high. At present, the competition in large cities in East China is becoming increasingly fierce, and the gross profit of sales is declining, especially for the main product currently in operation, monitors.

The target company's main sales terms are 30-day credit or immediate payment.

4. Purchasing situation

The target company mainly purchases computer equipment for sale, such as monitors, memory, hard drives, optical drives, etc.

Other products operated by the target company, such as memory, hard disk, optical drive, etc., are purchased from upstream distributors. The main suppliers are Beijing Qianzheng Technology Development Co., Ltd., Suzhou Zhongji Electronics Co., Ltd., etc.

There will be multiple suppliers for the same type of product purchased by the target company, and which supplier to purchase from is mainly determined based on the supplier's supply price and credit terms.

The target company's general purchase terms are 30-day credit or cash purchase.

5. Financial information

Balance sheet (unit: thousand yuan) (omitted in this book)

Profit and loss statement (unit: thousand yuan) (omitted in this book)

Important ratio table

Channels for obtaining financial information: Provided by the company, we have conducted sampling verification.

Financial Description

The owner's equity of the target company increased significantly in 2003. According to Ms. Bai Xue, the financial manager of the target company, the main reason was that it added 9,000,000 yuan of registered capital during the restructuring in April 2003.

3. Credit history

We conducted a sample verification of the credit records declared by the company, and found no records of false declarations.

We contacted Ms. Yan, Finance Department of Nanjing Huari Display Co., Ltd. by calling 025-84556567, and learned that the target company is its general agent in East China, and the payment was relatively timely. We contacted Suzhou Zhongji Electronics Co., Ltd., another supplier of the target company, by telephone (0551-63415399), and Mr. Wang, the sales manager of the supplier, informed that there has been no arrears in cooperation with the target company so far.

We interviewed the real estate personnel of the building where the target company is located, and learned that the target company started to operate in October 2000. Up to now, the target company has paid the rent every month in a relatively timely manner. After checking with the local court, it was found that the record of the target company being sued once from 2001 to 2004 was consistent with the declared credit record.

Fourth, Credit Risk Analysis Tips

1. The inventory and accounts receivable of the target company at the end of 2003 were too large. The company explained that this was the result of the company adopting more aggressive credit sales to expand its market share.

2. The target company's cash flow does not correspond to the company's sales scale, and the company cannot give a good explanation for this. This makes its financial statements less credible.

V. Credit limit and credit evaluation

1. Suggested credit limit

The company purchased 300,000 yuan of brand scanners on credit last year. Assuming that the company's growth rate of 30% is normal, it is recommended that the company's credit sales of brand scanners this year should not exceed 390,000 yuan (30*130 %).

2. Integrity willingness index

The company's management system is relatively complete, and the legal representatives and decision-makers have a relatively high level of education. The company quickly provided relevant information in accordance with the requirements of the credit investigation notice letter, declared the credit record, and after sampling verification, no evidence was found. The information provided is not false.

Integrity willingness index: 90 points;

3. Integrity ability index

The company's currency flow is stable, sales are growing steadily, its main products have great potential for industry development, and the company's management system is relatively complete.

Integrity ability index: 60 points

Our suggested credit limit does not take into account your specific transaction with the target company, and is only for your reference when making credit decisions with the target company.

6. Other issues that need to be explained

In this investigation, the credit status of the legal representative was not investigated.

Sincerely,

Salute

Attachment: Survey Implementation Flowchart

Credit agency (stamp): Henriette (Beijing) Credit Rating Office

Credit practitioners (signature): Li Zheng, Wang Tong

Date of report: August 21, 2004

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