What does a credit check report consist of?


What does a credit check report consist of?

The content of the business credit check report is generally tailored to the needs of the client, there is no fixed format and columns, and the content of the report varies greatly. At present, the market demand for personal credit investigation reports is small, and the understanding of personal information is still dominated by personal credit reports provided by credit registration agencies. The application scope of enterprise credit investigation report is relatively wide, the market demand is strong, in the credit, credit sales or other business activities have different degrees of use. Generally speaking, the enterprise credit investigation report mainly covers the following contents: (1) Basic information of the enterprise: mainly used to identify the identity of the enterprise, including the type of enterprise, industry classification, business registration information, contact information, history and so on. (2) Management information: including the organizational structure of the enterprise, related enterprises, shareholders and senior management. (3) Payment record: mainly refers to the payment information reflected by the supplier, according to which the payment habits and commercial credit status of the enterprise can be understood. (4) Bank transaction records: including the opening bank information of the enterprise account, bank credit and repayment records, etc., mainly used to understand the bank credit status of the enterprise. (5) Financial information: including financial statements of the last three years and analysis of major financial indicators. (6) Business status: including the business scale of the enterprise, the main products and production license information, and sometimes including the economic analysis of the industry in which the enterprise is located. (7) Import and export information: generally based on customs statistics. (8) Special projects: major cooperation, projects, mergers and acquisitions, etc. (9) Public records: including court rulings on economic disputes, government penalties, etc. (10) Verification information: refers to the situation verified by investigators on the spot. (11) Quantitative indicators: including enterprise credit evaluation and risk index. (12) Comprehensive analysis: suggestive analysis and evaluation of the credit value of the enterprise under investigation, and recommendation of credit strategy or credit line.

Post time: Apr-30-2024

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