1. Understand the payment function and credit habit of the enterprise through the investigation of business conditions, financial and banking information, payment records and other information.
2. Understand the safety of the enterprise through the investigation of the public information such as litigation, mortgage and bankruptcy of the investigated object.
3. Through the investigation of the registration materials, related companies, historical background, operating conditions and other information, we can understand the legitimacy, company scale and trade mode of the enterprise.
When conducting a credit investigation of a target company, time is often extremely limited, and it is necessary to bear legal responsibility for the investigation work and the investigation report issued, which makes the credit investigation of an enterprise a very challenging job.
1. What are the main contents of enterprise credit investigation?
Enterprise credit survey mainly includes the following six aspects:
(1) Basic information of the enterprise, including: establishment time, business scope and business change, business policy, registered capital and change, enterprise nature, name and trademark;
(2) Human resources information, including: shareholders and operators, employees and technical conditions;
(3) Materials and credit information, including: natural conditions, energy supply conditions, plant and equipment conditions;
(4) affiliated enterprises;
(5) Management status, including: organization and system construction, business status;
(6) bank credit records.
Second, the evaluation value of enterprise credit investigation
1. Understand the legitimacy, company scale and trade mode of the enterprise through the investigation of the registered materials, affiliated companies, historical background, operating conditions and other information;
2. Understand the payment function and credit habit of the enterprise through the investigation of the enterprise's operating conditions, financial and bank data, payment records and other information;
3. Understand the safety of the enterprise through the investigation of the public information such as litigation, mortgage and bankruptcy of the investigated object.
Enterprise credit investigation is a complicated and meticulous work, which requires a lot of energy and exploration spirit. The investigation involves many aspects, the content is jumbled, the specific situation is varied, and unexpected changes often occur.
In this case, we should not only be meticulous, but also be careful not to be superstitious about superficial data. We should be good at perceiving and excavating the real assets of the respondents through superficial clues and deeply analyzing the credit level of enterprises.
When conducting a credit investigation of a target company, time is often extremely limited, and it is necessary to bear legal responsibility for the investigation work and the investigation report issued, which makes the credit investigation of an enterprise a very challenging job.
Three. Investigation and verification of basic business conditions of enterprises
The basic situation of enterprise industry and commerce refers to the basic situation of the target enterprise inquired by the industrial and commercial bureau. It mainly includes the situation of the founding shareholders, the shareholder structure and its historical changes, the name, domicile and main basis of the capital verification institution, the approval of basic account by banks, competent departments, relevant governments or higher authorities, the ownership of housing and land, branches, foreign investment, domicile and business premises, previous major registered items changes, former senior managers, qualification documents such as enterprise assets composition and business profile, articles of association, business license, the nature of the enterprise, and whether it has the qualification of an independent legal person. In most cases, the registration content of an enterprise in the industrial and commercial department is filled in and submitted by the enterprise staff themselves, and the industrial and commercial registration department does not check it in detail. Therefore, we should analyze this information in detail, don't be credulous, and don't let go of any possible credit clues easily. At present, the computer query system of enterprise industrial and commercial registration restricts enterprise information. When scanned into an image file, there are some problems, such as limited query authority, unclear handwriting and missing pages, which make it impossible to obtain more detailed information. Therefore, if necessary, you can consider consulting the paper files kept by the Industrial and Commercial Bureau to obtain more credit clues. For example, after the registration of the residence or business premises changed by the enterprise over the years is sealed up, you can ask the grassroots person in charge of the rental premises, such as the relevant personnel of the financial department responsible for collecting rent. Because the grass-roots leaders deal with the target enterprises all the year round, they are responsible for collecting rents, handling disputes with the target enterprises, and whether the target enterprises are in arrears or refuse to pay rents, and they are operating well. These grass-roots leaders have detailed first-hand information, which is of great reference value. Moreover, the current office space and the address of the legal representative of the enterprise can also be sealed up from some personnel responsible for recovering rent and providing after-sales service.
Some target companies keep moving, which is a typical shell company's debt evasion behavior, with the aim of trying to avoid being chased by creditors. For this kind of enterprises, we should consider taking various channels to explore at the same time, such as the Internet, directory assistance, industry associations, legal representative's ID card indicating the address and other clues to extend the search. Pay attention to the ways and methods when searching, and keep a careful and appropriate imagination. If the enterprise belongs to the construction industry, it will consider the characteristics of the industry and search the construction site through the departments of environmental protection and construction planning, and then find the current address of the enterprise. As long as there are appropriate methods and means, useful information can often be obtained from extended investigations, conversations and inquiries of relevant personnel, shareholders or former senior executives of higher authorities of enterprises.
Legal basis:
Company Law of the People's Republic of China
Article 7 A company established according to law shall be issued a business license by the company registration authority. The date of issuance of the business license of the company is the date of establishment of the company.
The company's business license shall specify the company's name, domicile, registered capital, business scope, name of legal representative and other matters.
Where the matters recorded in the company's business license change, the company shall register the change according to law, and the company registration authority shall issue a new business license.
Article 23 To establish a limited liability company, the following conditions shall be met:
(1) Shareholders meet the quorum;
(2) The capital contribution subscribed by all shareholders in accordance with the Articles of Association;
(3) Shareholders * * * agree to formulate the Articles of Association;
(4) Having a company name and establishing an organization meeting the requirements of a limited liability company;
(5) Having a company domicile.