Credit investigation refers to the business that banks accept the entrustment of domestic and foreign customers to investigate the credit status of enterprises or themselves and prove their credit to business partners.
In any of the following circumstances, we should consider entrusting a lawyer to conduct a credit investigation:
1, when dealing with new customers for the first time;
2. If there are major cooperation projects;
3. When the old customer information exceeds one year;
4. When customer orders suddenly increase or decrease;
5. When the customer requests to change the transaction mode;
6. When dealing with various disputes with customers.
Enterprise credit information:
1. Basic information: including organization name, organization code, organization nature, registered address, business address, registered capital, historical records, etc.
2. Qualification information: including registered trademarks, production license registration and quality certification records.
3. Owner and operator information: including records of legal representative, major shareholders and major management personnel.
4. Bank credit information: including loan and repayment records.
5. Associated credit information: including guarantee, pledge, mortgage records, etc.
6. Commercial credit information: including credit line, commercial account repayment, contract performance records, etc.
7. Financial information: including assets and liabilities, profit distribution, cash flow, financial early warning and financial audit records.
8. Public credit information: including cases involved, punishments, bad social credit records, etc.
9. Information disclosed by the media: including disclosure source, disclosure time and disclosure content description.
10. Voluntary disclosure of information: including disclosure time, disclosure content, publisher, fair record of disclosure content, etc.
This is all for you. From the above reading, we know that we can consult and investigate in the case of the first transaction with new customers and major cooperation projects. At the same time, the main points of enterprise credit information include macroeconomic development environment and enterprise credit information. Among them, enterprise credit information includes basic information, qualification information, owner and operator information, etc.