(1) Whether the members of UNPROFOR are related and have good credit records; (2) The overall debt ratio of UNPROFOR, analyzing the coverage of the overall effective assets of UNPROFOR to the overall liabilities; (3) Whether the members of UNPROFOR and the enterprises controlled by them operate normally and have certain profitability; (4) Whether the credit line and purpose are reasonable; (5) Whether the repayment source is sufficient.

2. What are the key points of credit review of trust companies?

The point is 1. The trustee of a trust contract can only be a legal person established through legal procedures to operate trust business.

2. The trustee handles the trust affairs in his own name, and the rights and obligations arising from the legal relationship with the third party shall be borne by him, not by the principal.

3. The trustee handles the trust affairs with the expenses and materials of the principal.

4. The trust property right still belongs to the trustor, and the trustee only enjoys temporary possession, which shall be transferred to the trustor at the agreed time.

Three, the main framework of credit review is

The main framework of credit review is: firstly, the borrower is required to provide valid identification documents and documents related to financial information to determine the borrower's financial status and repayment ability. Next, the credit review agency will review the borrower's credit record to determine whether the borrower has a record of default. In addition, the credit review will also review the borrower's assets and liabilities to determine the borrower's financial status and repayment ability. Finally, the credit review agency will review the borrower's income to determine the borrower's repayment ability. In short, the main framework of credit review is to review the borrower's identity, financial status, credit history, assets and liabilities and income to determine the borrower's repayment ability.

Four, how to grasp the focus of credit business investigation and review of small and micro enterprises.

Years of financial work experience tells me that the financial situation of an enterprise should be examined through the following aspects:

1. Look at the financial statements of the company first, and look at the current accounts of the enterprise through the creditor's rights and debts in the balance sheet. Consult relevant information, if some customers and suppliers keep current accounts with the same data for a long time, the enterprise is suspected of falsely invoicing.

2. Is the income truly reflected and when? In this way, we can check whether the goods in stock are in line with the books. If not, there are phenomena such as not reflecting income or delaying reflecting income and falsely invoicing.

3. Check the loading and unloading transportation expenses related to inventory, and carefully check the relationship between the expenses and inventory and sales revenue.

4. Whether the expenditure of period expenses conforms to several principles: the principle of dividing income expenditure and capital expenditure; Principle of authenticity of expenses; Accrual principle; Principle of objectivity; Principle of rationality.