What principles should be followed in the pre-lending investigation of personal credit business?

1. Confirm the authenticity and legality of the corporate qualification of the borrowing enterprise.

For the pre-loan investigation of enterprises, we must first check the original business license provided by enterprises and check whether the borrower's name is consistent with the business license; Then go to some websites of the relevant administrative departments for industry and commerce to check whether it is true; Whether there are any changes; Whether the business scope is beyond the registered scope; Whether the loan purpose is within the business scope.

2. Investigation on the credit status of borrowing enterprises

Individuals have personal credit information, and enterprises also have corporate credit information. Usually we are talking about personal credit reports, in fact, enterprises also have corporate credit reports. The main purpose of enterprise credit report is commercial loan, which is simply a commercial loan with enterprise legal person as the main borrower.

At this time, it is necessary to query the credit report of the enterprise, consult the accounts payable, account books and details of the enterprise, understand the amount of accounts owed by the enterprise to others, the reason and time of credit, and evaluate the credit status of the enterprise. In addition, you can know the reasons for the credit of the borrowing enterprise by telephone or letter, such as what the borrowing enterprise is like; Why I owe you money; Whether the repayment is on time; Whether it is the practice of the industry (pay back slowly first) or the integrity of this enterprise, you can find the upstream and downstream suppliers of the enterprise to understand the situation.

3. Investigation on the quality and management ability of managers in borrowing enterprises

The investigation of the management personnel of the borrowing enterprise should be based on the information registered by the industrial and commercial department, and the basic information of the legal representative, other senior management personnel and actual controller of the enterprise should be strictly examined. It is not allowed to take a cursory look, nor can it be limited to the information provided by the enterprise.

The identity certificate and education certificate of the person in charge of the relevant business provided by the applicant shall be based on the original, and the authenticity shall be inquired by the relevant departments; Investigate the leader's personal conduct and leadership ability, and understand his personal ability and behavior quality in enterprise management.

These materials are just the tip of the iceberg. It is no exaggeration to say that making a corporate loan is like compiling a book. When issuing a loan, you need to prepare a lot of materials, from the loan application, identification materials, asset certification materials to business descriptions and so on. Just like compiling a book, these materials are all copies. After the loan is approved, you need to submit a copy first. After the copy is passed, there is no problem. Before the loan is issued, you must submit the original for approval. Only after the examination and approval can the loan be really issued.

Generally speaking, if it is the first cooperative enterprise, at the beginning of considering the safety of loan issuance, it is necessary to make a detailed investigation on the qualifications and management ability of the managers of the borrowing enterprise. However, if it is a long-term cooperative enterprise, it has a certain tacit understanding with the bank, and both sides know each other very well, then it is much easier to investigate this link.

4. Investigation on production and operation conditions

For the investigation of the production and operation of the borrowing enterprise, the first thing is to look at the various account books of the enterprise, and calculate the business indicators of the enterprise through the data recorded in them, such as calculating whether the enterprise is in debt or profit now by looking at the account books, and what is the specific situation. Secondly, go deep into workshops, factories and warehouses, investigate the production environment and production process of enterprises, and make records with digital cameras and video cameras.

It is very important to make a field trip to the production and business premises of an enterprise. Many times, customers' problems exist in actual production and operation.

5. Investigation on the financial situation of the borrowing enterprise

Calculate the current ratio, asset-liability ratio, sales profit rate, asset profit rate, accounts receivable turnover rate and inventory turnover rate according to the relevant accounting statements provided by the enterprise in the past three years. In fact, these data are needed in bank loans, and some banks may not be so strict, so it is common to need one of 1-3, such as balance sheet, income statement and accounts receivable, but in fact you need to master these data.

6. Cash flow analysis of borrowing enterprises

By inquiring the deposit settlement account opened by the borrowing enterprise in the bank, we can further understand the withdrawal of deposits, payments and other funds in a period of time, predict the future cash flow, and fully understand the capital flow and quantity of the enterprise.

7. Guarantee investigation

The investigation of the guarantee situation can be roughly divided into three situations. One is to investigate the authenticity, legality and compliance of the guarantor or thing on the spot, which requires our strict investigation. As long as it is provided by customers, we need to see it in person.

Second, it is necessary to verify the relevant documents and materials provided by the guarantor with the relevant departments to ensure the authenticity and validity of the guaranteed property. Usually, to verify the authenticity of relevant materials, it is necessary to verify the property that needs to be mortgaged, otherwise it is difficult to judge the authenticity of the secured property from the information.

The third is to conduct a strict market evaluation of the secured property to ensure that there are sufficient sources of second repayment. It is necessary to go through legal registration, mortgage pledge or filing procedures with the competent government department.