The Credit Survey Report Of A Company

With the further development of China’s economy, the credit economy is becomingmore and more important role and the establish of lending relationship is also becomingmore specialized, thus, credit evaluation has become an essential part of establishing thecredit relationship. Accurate and effective credit investigation is the basic guarantee of thefinancial security recycling and profiting, also is an important step in the complete chain ofthe entire social capital. It is so important to establish a good and effective corporate creditrating system for banks and other investors in order to conduct credit business, standardizeoperational processes, enhance risk control capabilities to enhance the level of financialservices. It allows banks and other investors in a win-win for business financing process,minimize credit risks, and promote the bank’s credit resources.Financial enterprises as an important participant in the social credit system isresponsible for the construction of social credit system arduous task. Financial companiescan do related to whether the borrower can successfully recover, and thus also affect thenormal operation of the social credit system. However, the current lack of corporate creditsituation still grim. On the current view of the loss of financial institutions. Considerablepart because of some financial institutions to expand lending, manually operating somecredit evaluation index, in order to make the evaluation results better than it actual creditstatus and to expand the total loans. According to official statistics. China’s huge economiclosses each year was caused by the lack of good faith, Investigation is necessary to protectthe financial institutions credit loans from financial institutions as its reliability to beimproved.In summer2014,I Involved the M Bank credit investigation of A, so I have someknowledge of the investigation process, and collected a wealth of data and information. Inthe research process, I use a rich variety of research methods, including telephoneinterviews, expert advice, site investigation, survey questionnaires. I make the analysisusing the theoretical knowledge I learned combing with the relevant information of A company. Completely set forth the entire research process and steps, and compare thecredit investigation result with the result of M Bank order to test the credit investigationmethod I learned. And analysis the factors which may affect the findings of the financialinstitutions during the process of credit investigation to analysis the factors which mayexist in the process of improving credit investigation, and then put forward relatedrecommendations to reduce the financial institutions credit risk.First of all,this paper describes the background of this research. Secondly, This articledescribes the specific methods of investigation,including the theoretical knowledgeapplied in the research and specific steps of the evaluation. Thirdly, this article explain theresearch process in detail. That is using the evaluation method of to conduct wholeresearch, including financial condition, credit history, management level, growth and riskand some other factors. Analysis each element which affects the investigation, thencombine the estimated amount of and repayment analysis with expert rating. Determine thecompany being investigated to the final rating. Fourthly, compare the final rating withwhich M bank ratings and observe whether the results being converged. Thus,making thefinal analysis for my survey. Finally, I will make recommendations in order to enhance thecredit investigation level of the whole community and noted the lack of innovation in thisarticle.