1. Confirm the authenticity and legality of the corporate entity of the borrowing enterprise: firstly, check whether it is consistent with the borrower's name according to the original corporate business license provided by the enterprise; Then go to the administrative department for industry and commerce to inquire whether the business license of the enterprise has passed the annual inspection and whether the legal representative has changed; Whether the economic nature is consistent; Whether the purpose of the loan is within the business scope of the enterprise.
2. Credit status of the enterprise: go deep into the enterprise's accounts payable account book and its subsidiary ledger, find out the amount of accounts owed by the enterprise to others, the reasons and time of credit, and evaluate the credit status of the enterprise.
3. Production and operation: First, refer to the various accounting books of the enterprise, and calculate the corresponding operating indicators through various data recorded therein, so as to analyze and understand the operation of the enterprise. Go deep into workshops, factories and warehouses to investigate the production environment and production workflow of enterprises on the spot.
4. Tax payment: You can verify the tax payment of the loan enterprise in the tax department, thus reflecting the real production benefits of the enterprise; Through the comparative analysis of the payment of utilities in enterprises in recent months, we can understand the actual production and operation of enterprises.
5. Guarantee: First, investigate the authenticity, legality and compliance of the guarantor or thing on the spot. Second, the relevant documents and materials provided by the guarantor should be verified with the relevant departments to ensure the authenticity and effectiveness of the guaranteed property. The third is to make a strict market evaluation of the secured property to ensure that there is a sufficient second repayment source.
Extended data
Components of pre-loan investigation report:
1, the title should generally indicate the name of the applicant, the loan project and the language. In writing, the official title is usually used, that is, the beginning is preceded by "about", such as "investigation on the application of XX factory for brewing Hans beer".
2. The text mainly states the contents of the investigation, which is the key part of the report.
3. There are two main contents in the tail: one is the title of the investigator, and the other is the year, month and day of production.