文档介绍：第三章资信调查
学习目标
认识到资信调查的重要性
掌握资信调查的渠道
熟悉调查内容
调查内容
(l)国外企业的组织机构情况,包括企业的性质、创建历史、内部组织机构、主要负责人及担任的职务、分支机构等。
(2)政治情况,主要指企业负责人的政治背景,与政界的关系以及对我国的政治态度等。
(3)资信情况,它包括企业的资金和信用这两个方面。资金是指企业的注册资本、财产以及资产负债情况等;信用是指企业的经营作风、履约信誉等。
(4)经营范围,主要是指企业生产或经营的商品、经营的性质,是代理商、生产商,还是零售批发商等。
(5)经营能力,每年的营业额、销售渠道、经营方式以及在当地和国际市场上的贸易关系等。
调查报告内容
(l)公司概要:介绍公司的简要情况;
(2)公司背景:介绍公司的注册情况、历史、隶属关系等;
(3)业务情况:介绍公司的业务范围、供货来源、市场分布等;
(4)付款记录:介绍公司以往对外付款记录等;
(5)财务情况:介绍公司财务情况及营业发展趋势;
(6)银行往来:主要往来银行及关系;
(7)公共记录:介绍公司的法律诉讼、抵押记录等;
(8)综合评估:对与该公司交易时应注意的问题、应采用的结算方式、信用额度和放账期等进行评估。
资信调查途径
一、要求对方提供营业执照复印件。要特别注意注册资本、主营业务、和企业名称及地址;
二、亲自调查或委托调查。对外商的资信调查有许多途径,可以向银行、驻外商务机构、资信机构、商会或同业公会或我国的有关外贸公司调查。
资信调查信函示例
Dear Sir,
   
Thank you for your letter of 10th March. We are gratified to receive your request for men and women's raincoats on approval.
   
As we have not previously done business together, perhaps you will kindly agree to supply either the usual trade references, or the name of a bank to which we may refer. As soon as these enquiries are satisfactorily settled, we shall be happy to send you the items you mention in your letter.
   
We sincerely hope this will be the beginning of long and pleasant business cooperation. We shall do our best to make it so.
Yours sincerely,
资信调查信函示例
Dear Sirs,
You are kindly requested to provide us with the information on the credit and business operation of Andson Salt pany. Please be convinced that all the materials you supply to us will be kept absolutely secret, for which you will not take any responsibilities.
We appreciate your early reply.
Yours faithfully
资信调查常用语句
You would greatly oblige me by obtaining for me information as to the present financial position of the firm named on the attached slip.
As we are on the point of transacting some important business with them, we should like to know exactly how their credit stands.
Any information you may give me will, of course, be treated as strictly confidential.
It would give us great pleasure