2.2 Survey cause, survey purpose, survey items-World Credit Organization

2.2 Survey cause, survey purpose, survey items

1. Credit investigation task statement

Let's look at the following document first. When this document is used by ICE8000 credit institutions, it is named "Credit Investigation Power of Attorney", which is an attachment to the credit investigation service contract; when this document is used by the credit management department of ICE8000 credit units The name is "Credit Investigation Task Letter", which is usually issued by the director of the credit management department or the credit director, and can also be issued by the general manager or chairman. The introduction of the related documents in this book is generally the documents used by the credit management department of ICE8000 credit units. For the documents used by ICE8000 credit institutions, please contact the World Credit Organization [WCO] to obtain the corresponding work instructions.

Additional note: For the ICE8000 practice documents cited in this book, in order to distinguish the main text, we use imitation Song typesetting. When using these documents officially, please change them to Song typeface.

2. The cause of credit investigation

The origin of the credit investigation refers to the reason for the initiation of the credit investigation. It is closely related to the purpose of the investigation. It determines the determination of the purpose of the investigation, but it is not the same as the purpose of the investigation.

The following generally belong to the cause of credit investigation:

1. A company requests to increase the credit line. The original line is 100,000 yuan, and the new line applied for is 500,000 yuan.

2. A company requires an advance payment of 20,000 yuan.

3. A company applies for investment with an investment quota of 5 million RMB.

4. A company applies for credit sales of 50,000 yuan.

5. The company plans to hire Zhang Ming as financial accountant.

6. A company applies for ICE8000 credit certification.

Third, the purpose of credit investigation

Credit practitioners should determine the purpose of the investigation based on the cause of the investigation, but the purpose of the credit investigation is also affected by other subjective and objective factors. Due to financial and time constraints, the purpose of the investigation does not necessarily fully satisfy the reasons for the investigation. The purpose of the investigation is the result of a balance between various subjective and objective factors. For example, for a credit investigation with a small amount of credit sales, the investigation cost should be reduced as much as possible, so only a simple investigation purpose is determined,

According to the degree of complexity and workload, credit investigation can be divided into simple purpose and complex purpose.

Four. Credit investigation project

Credit investigation item refers to the content of credit investigation. Generally speaking, credit investigation items are divided into the following parts:

(1) Basic information of the unit

1. The authenticity of the business license of the enterprise;

2. The authenticity of the ID card of the legal representative;

3. List of shareholders;

4. List of high-level personnel.

(2) Operation and management of the unit:

1. Field visits;

2. Main business;

3. Sales status;

4. Procurement status;

5. Organizational structure;

6. Financial situation;

7. Unit charter and management system.

(3) Credit records of units (or/and legal representatives, senior personnel)

1. Public welfare donations within a certain period of time;

2. Administrative penalty records within a certain period of time;

3. Litigation records within a certain period of time;

4. Criminal record within a certain period of time;

5. Public exposure records within a certain period of time;

6. Records of dishonesty and breach of contract within a certain period of time;

7. Trace credit records within a certain period of time.

Credit practitioners should determine credit investigation items according to the purpose of credit investigation. Credit investigation items should meet the purpose of the investigation to the greatest extent, and if the investigation item cannot be implemented or is difficult to implement due to objective reasons, the purpose of the investigation can be adjusted appropriately.

V. Credit investigation period

The credit investigation period is determined according to the investigation items and investigation causes. According to the actual situation, if the credit investigation period cannot be changed, if the practitioner believes that the investigation items cannot be completed within the time limit, the investigation purpose and investigation items should be adjusted.

6. Drafting and review of credit investigation plan

In the credit investigation task book, the drafting and review authority of the credit investigation plan should be clearly defined. The credit investigation plan should be written and drafted according to the investigation purpose, investigation items and investigation period, and its drafting and review authority generally includes:

1. The task issuer directly formulates and reviews the investigation plan.

For example: In the "Credit Investigation Task Book", it is stated that the investigation plan has been determined, see the attachment of this task book. This sentence shows that the task issuer has drawn up and reviewed the "Investigation Plan", and the investigator only needs to implement it according to the plan.

2. Written by investigators, and then reviewed and confirmed by the task issuer.

For example: In the "Credit Investigation Task Book", it is stated that the credit investigators drafted the investigation plan before May 8, 2008, and implemented it after approval by the director of the credit management department. This sentence shows that the drafting power of the investigation plan rests with the credit investigators, and the approval power rests with the director of the credit management department.

3. It is written by credit investigators, and then implemented directly without review.

For example: In the "Credit Investigation Task Book", it is stated that the investigators draw up and implement the investigation plan by themselves without approval. This sentence shows that the drafting power and approval power of the investigation plan are delegated to the credit investigators.

7. Changes in credit investigation tasks

In the credit investigation assignment letter, investigators should generally be given the right to change or the responsibility to change, so that when necessary, the purpose of investigation or investigation items or investigation period can be adjusted in a timely manner.

Changes can be of the following types:

1. Responsibility type. For example, it is stated in the "Credit Investigation Task Statement": When credit investigators discover a major risk of dishonesty, they should submit an application for changing this task statement.

2. The rights and responsibilities are the same. For example, it is stated in the "Credit Investigation Task Statement": When credit investigators discover a major risk of dishonesty, they should change this task statement.

VIII. Determination of credit investigation tasks

Practitioners can determine credit investigation tasks according to the amount or importance involved in the cause of credit investigation. For example, among the management issues in this chapter, Lao Wang used the following methods to prevent credit risks to the greatest extent while reducing the cost of credit investigations.

The above content is excerpted from (ICE8000 credit survey, analysis, rating) (by Fang Bangjian, free to use, but please indicate the source)