Refers to the credit information of the enterprise, including lawsuits and executions, honors and administrative penalties, and corporate public opinion information. These can intuitively see the current corporate reputation problems. If there is any doubt, out of prudence, it can be verified on multiple credit reporting platforms. The following two aspects require due diligence personnel to fully engage with the company: (1) Analysis of the company's production and operation Including the company's main products, sales, and the cooperation between the upstream and downstream of the enterprise.
In this process, the assessment of [trade authenticity] must be focused and hit the blackboard! ! ! Check the current contract, capital flow, bills, which can fully reflect the enterprise: well run Stock business authenticity If the enterprise cannot provide Fax List cooperation with upstream and downstream, or the enterprise is a newly established company, the risk will be very great. (2) Company financial analysis Generally, customers will be required to report the financial statements of the most recent year, as well as the cash flow of the company in the last 3-6 months. Although the financial statement is the past of the enterprise, it is also an important assessment point. The flow of funds can intuitively reflect the business activities of the enterprise, and the asset status can show the debt repayment ability of the enterprise.
Assessment objects: financing enterprises, core enterprises Supply chain financial services are mostly derivative services of traditional factoring, warehouse receipt pledge, and order financing business. The assessment directions mainly include: debt repayment ability, profitability, and operational ability. In addition, the emphasis will be different according to different business types. for example: Positive factoring business - key financiers for assessment (seller + core enterprises) However, the creditworthiness of the buyer will also be assessed to reduce the risk of non-payment when due.