Enterprise credit investigation service is a kind of credit management service that Oriental Chushuai, entrusted by the clients, investigates and rates the credit of the target enterprises. At the request of the client’s and relying on its basic database, Oriental Chushuai provides different-depth business credit reports and credit rating reports which are a kind of strong guarantee for our clients to accurately grasp the real credit of their clients and potential commercial partners and then to minimize credit risks.
1. Main Services
Where there is a need for credit investigation service, there will be Oriental Chushuai. Once you and Oriental Chushuai enter into an entrustment agreement, we will fulfill the engagement carefully, timely, diligently, efficiently and with high quality according to the agreement. Our credit products mainly include company profile report, standard credit report, in-depth credit report and customized credit report.
1) Company Profile:
It contains business registration information such as registered name, registered address, registered capital, paid-up capital, legal representative, registered business scope, registered business duration, shareholders and their respective shares, and contact information. It is often used to quickly identify a company and assess its capital competence and shareholder background.
2) Standard Credit report:
It is the most popular product of the credit management services. It is even considered as the main parts of customer files by some enterprise credit management department. Standard credit report is clarified into domestic-enterprise credit research report and foreign-enterprise credit research report based on the domestic and foreign customers. This report contains comprehensive information divided into the following parts, including registration, a brief history, business scope, personnel information, payment records, public records, management, financial status, credit record, products, sales information, purchase information, import & export, trademarks & patents, industry information, industry comparison, credit rating, base credit limit, etc. Most importantly this report shows the credit rating and risk index of surveyed enterprise by Oriental Chushuai. Therefore, Standard Credit Report is widely used by banks, credit insurers and trade credit providers in their process of assessing credit capability and risk exposure of subject companies.
3) In-depth Credit Report
Comparing to Standard Credit report, In-depth Credit Report delivers deeper and more detailed research on the company’s development and background, and also its business activities, assets, approvals and authorization by the government in a long history, land-use right, economic dispute, personnel changes, financial status and suppliers’ information on the basis of a Standard Credit Report. In-depth Credit Report pays much close attention to hidden detailed facts and less to inference-reasoning over data. In-depth Credit Report is mainly used in such business as enterprise merger and acquisition, legal action, enterprises auction, the scramble for the key customers, and cooperation on major projects etc.
4) Customized Credit Report
Customized Credit Report mainly delivers the research on one or several customized items so as to definitely answer the customized questions. This report is generally used in customer’s operation evidence, legal evidence and the evidence reported to the main management department.
The strategic cooperation agreements are entered into between many credit institutions and Oriental Chushuai, which are from USA, Russia, Canada, Italy, Japan, Kazakhstan, Pakistan, Mexico and Egypt etc. Our credit products and services have integrated into international market, which brings Oriental Chushuai rich data, extensive management experiences, and software and hardware support.
Generally enterprise credit report includes the following contents.
1. Company Summary
1) Founding Time
2) Business scope and business change
3) Registered capital and change
4) Company type, company name and trademark
5) Shareholders
2. Key executives
The company executives are often the critical point for success or failure of a company. The excellent executives are able to either develop a newly-born company into a regionally or globally famous one or make a deficit industry to turn loss into gain when emergency comes. On the contrary, the mediocre and incompetent executives will make a profitable firm to gradually lose superiority and even to close down or go bankrupt. Obviously the executives are very importance to a company. The managers can be assessed in multiple and comprehensive aspects, including direct interview, indirect investigation, peer evaluation and social evaluation etc.
3. Labor Conditions
Labor conditions include the enterprise personnel structure, salary scale, attendance status and working attitudes etc. Labor conditions will greatly affect the company development.
4. Operating Conditions
Operating conditions include natural conditions, social conditions, factory building, equipment, and technology etc.
5. Affiliated enterprises
Strictly speaking, affiliated enterprises refers to the enterprises which have “blood” relationship with surveyed enterprises, including the enterprises that the surveyed enterprises invest and the enterprises that invest the surveyed enterprises. Here on broad sense affiliated enterprises are not only limited in the capital relations. The affiliated enterprise refers to any enterprise which is related to the surveyed enterprises in personnel, money and content.
6. Management
The research on management, involving every aspect of business activities and related to all surveys, has to be done together with other research and analysis so as to obtain accurate results. This research mainly contains three parts, including organization structure, planning, and internal statistics.
7. Bank Records
Any enterprise with a bit of scale must be closely related to the financial institutions and their frequency reflects the business operation status for the banks scramble for the profitable enterprises and keep away from the enterprises with serious losses
8. Industry information
There are many different industries with different prospects, including a rising-sun industry, a new and developing industry, a high-tech industry, and also a traditional industry and a sunset industry. Industry research investigates thoroughly the past and current situations of the cooperative industry and predicts its future development; and explores the enterprise’s positioning, features and trend in the same industry to infer its development status and trend.
Industry research is a must for a company’s or a bank’s invest or long-term loan and also an important part of market research. The overvaluation of the industry development, causing too much investment or loans in an industry, will cost you your life savings while the undervaluation, causing not to occupy the market quickly, will make you miss the opportunity.
9. Business conditions
Business
condition includes the production status and sales status, and is a vital part
of the company enlarged reproduction and profit taking. All businesses finally
serve the sales. Therefore business condition analysis is a vital part of
credit investigation.