1. Commissioned to carry out business. The credit investigation business usually adopts a passive business mode, accepting the customer’s entrustment and collecting the necessary credit information through information inquiry, interview and field visit according to the customer’s investigation purpose.
2. The results of the investigation are disclosed only to the client. The results of the credit investigation are generally not disclosed to the public and are only provided to the client for use. In addition, for the credit investigation that requires the subject to be unaware of the investigation (the investor, the credit granting party, etc., may entrust the credit bureau to understand the real situation of the counterparty without the counterparty’s knowledge), special attention should be paid to the confidentiality of the client, and the entrustment contract and business credit investigation report should be properly kept.
3. The report is subjective. On the basis of objective record, analysis and summary of facts, credit investigation can understand others’ views and impressions of the investigated objects through interviews and questionnaires, etc. At the same time, some evaluative viewpoints of investigators will be appropriately adopted in the analysis.
4. The application range is very wide. Credit investigation business involves a wide range of fields, and the purpose is diversified. Such as developing credit policies or quotas, risk monitoring of key customers or risk customers, selecting trading partners, recruiting and managing employees, insurance companies accepting insurance and determining premiums.
Post time: Apr-26-2024