Service

Professional service team, reliable and trustworthy
The team consists of more than 10 years of work experience: risk management division, retired criminal police, retired scout, network security experts, senior lawyers, economists, and intelligence analysts.

Corporate Background Investigation

007  Time of publication：2021-07-21

1. Review the bond files——

1. Review loan information: loan reason, purpose, operating status, invested project, reason for bad formation, collection process, repayment measures and willingness, repayment record, fixed asset investment, debt receivable, foreign investment, account, etc. , Affiliated enterprises (persons) or branches.

2. Review subject information: subject qualifications, business nature, operating status, business scope, shareholder composition, shareholding ratio, superior units, actual controllers, historical name changes, official seal style evolution, etc.

3. Review the financial data: (1) The method, amount and time of the shareholder’s capital contribution, whether the capital contribution is completed; (2) Capital verification account; (3) Financial data (inventory, fixed assets, foreign investment, long-term investment, accounts receivable, Long-term and short-term liabilities, accounts payable, owners’ equity, operating income).

4. Review other information: (1) Whether there is any malicious disposition, derogation, affecting property and mortgage and its value; (2) Whether the various information provided before is materially false; (3) Whether the debtor is split, merged, or not After the restructuring and reorganization, the old and new enterprises will not recognize the original loan debts; (4) Whether there is evasion or refusal to sign the collection materials of the creditor; (5) Whether the profit assets are withdrawn or transferred through abnormal related transactions; (6) Shareholders, The legal representative has changed abnormally.

2. Check the industrial and commercial files ——
1. Review the establishment materials：(1) Basic information about the debtor’s subject qualifications, equity structure, legal representative and senior management; (2) Information on the debtor’s capital contribution amount, method, and whether the capital contribution is in place; (3) Ownership of the debtor’s registration site Circumstances and nature of use; (4) Other information such as proof of source of funds, bank accounts, and details of capital contributions in kind; (5) Whether there is venue (property) lease in the business scope, etc.

2. Review the annual inspection data：(1) Financial statements; (2) Names and changes of financial personnel; (3) Branches; (4) Related debtors; (5) Property clues such as debts receivable, foreign investment projects, bank accounts, etc.

3. Review the closure information：(1) The time and reason for closing the business or revoking the business license; (2) Whether there is a subject to bear the creditor's rights and debts; (3) Whether the cancellation procedures are complete and legal, and whether there is a statement of responsibility; (4) Whether the debtor is accepted and allocated for free The situation of the property; (5) Whether the debtor has any malicious behavior after the dissolution.

4. Review the entire file and combine other evidence to determine whether the debtor exists：(1) Suspected of mixed personality; (2) Whether shareholders or bosses abuse their rights to damage the interests of creditors.

3. Investigate related companies ——
Shenzhou Jintai International Business Investigation serves the discovery of corporate risks. Based on multiple types of information such as investment relationships, judicial litigation relationships, shareholder relationships, and administrative penalties, it analyzes the related information of the target company and discovers the potential risks of the target company; by monitoring the business of the target company Change, judgment documents, related company dynamics, untrustworthy information and other abnormal situations, improve the coverage of the comprehensive risk management system for innovative businesses, improve the full-service, full-process, full-caliber risk management, and enhance the full-asset management capabilities of credit and non-credit categories , Improve the full coverage of risk management, strengthen the construction of a risk management system based on big data and the Internet, transform the new risk management method with big data analysis, intelligent judgment, and precise management and control, and grasp the risk information of the target enterprise in real time.

4、Detection site ——

1：The debtor does not operate at the original location

2：The debtor is still operating at the original location

3：If conditions permit, the following circumstances of the debtor can be continued to be checked in a flexible manner:

1、Business conditions：(1) Whether the debtor is operating normally; if so, what kind of business it is operating; operating conditions and profitability in recent years; (2) Whether the debtor’s equipment or part of the property is leased to a third party for operation; if so, understand the lease term, rent standard, and who The rent is collected and the method of collection; (3) Whether the debtor has contracted to a third party to operate; if so, understand the period, the contracting fee standard, who receives the contracting fee and the method of collection; (4) Whether the debtor has reorganized or restructured; (5) ) What plans does the debtor have for future development?

2、Staff situation：(1) The number of debtor’s employees, the number of employees, the number of retired and retired employees; (2) Whether the employees have been arranged; if not, whether there is a resettlement plan; (3) Whether there is a default in the fund-raising funds of the employees; (4) Whether there are any defaulted employees (5) Whether there is arrears of employees’ wages and economic compensation.

3、Assets and liabilities：(1) General debt situation; (2) General asset situation; (3) General lawsuit (debt collection) situation.

4、Repayment willingness：The attitude and willingness of the debtor and its superiors to repay the debt.

Share to： 

Recommend