How to conduct credit investigation on customers

2. The second method is to use a professional credit reporting agency for investigation. This method can complete the investigation in a short time, and the cost is large, which can meet the requirements of the company. At the same time, the quality and ability of investigators have a great influence on the survey results, so we should choose a credit reporting agency with high reputation and strong ability. 3. Investigation on customer payment (5) Is there any requirement to extend the payment date of all bills or payments? There are many methods of customer credit investigation. Here are three basic methods: 1, bank credit reporting method. The bank credit investigation method is an all-round information investigation of customers. There are few cases of collateral problems in transactions between enterprises, but we still refer to the relevant content and apply bank credit information to credit information between enterprises. 2. Credit "6C" analysis "6C" analysis is a comprehensive credit investigation method, involving six aspects: quality, ability, capital, economic situation, sustainability and collateral. The first letter of these English words is "C", so it is called "6C" analysis. 3. The "5P" analysis method, whether it is the bank credit investigation method or the "6C" analysis method, is a method to investigate the credit according to the overall situation of customers, and the "5P" analysis method can not only investigate the overall situation, but also be used for the credit and risk analysis of specific debt projects. This method includes five factors: debt factor, debt intention, repayment factor, safety factor and enterprise prospect. Processing of customer credit investigation results After the investigation is completed, write a customer credit investigation report. For customers with deteriorating credit status, measures should be taken, such as requiring customers to provide guarantors and joint guarantors, increasing credit guarantee, or obtaining justice in trading contracts, reducing supply or imposing delivery restrictions, or accepting mortgages. Determination of customer credit limit According to the actual situation of customers, the corresponding credit limit is worked out.