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China Sai’an Business Research Company, a service company professionally working on credit risks management, market research and management consultation, is one of the earliest consultation organizations engaging in enterprise credit investigation and business credit risks management.
I. Basic concept
Enterprise credit standing investigation, also named enterprise credit investigation, is to investigate and estimate the credit standing and respectability of relevant enterprises through professional organizations of credit management and service and to make these related information and materials open to the society according to market principles
Concretely, the credit investigation can reflect information of the surveyed enterprise as follows:

• Whether it repays the capital with interest on time to the financial departments’ loans;
• Whether it pays the payable accounts to its suppliers;
• Whether it performs its promises made to customers on its quantity, quality and delivery term of its products and service;
• Whether it performs its promises made to employees for providing all kinds of protection of their rights and interests;
• Whether it can pay taxes on time and in full;
• Whether it abides by the state laws and regulations;
• Whether the enterprise financial statements are of authenticity;
• Whether the information issued by enterprise itself is of authenticity and the reliability;

II. The emergence and development of enterprise credit investigation
When the creditors misconduct its credits or the debtors don’t perform their payment responsibility, the credit risks will appear.
The basic reason for the credit risks is the information disparities among market entities that are related to each other with economic relationships. With the deepening of the labor division and the expansion of market credit transactions, the credit investigation organizations appear to provide professional information consultation and service to the enterprises, financial institutions and the government departments.
III. The goal of the enterprise credit investigation
The enterprise credit investigation can help the enterprises have a good knowledge about the basic credit standing of their customers and cooperative partners. Specifically speaking, it can help the enterprises to reach goals as follows: 

• Finding potential customers
• Establishing business relationship with new customers
• Knowing the up-to-date state of the competitors to formulate corresponding management strategies
• Updating the old customers’ information
• Dealing with the situations timely when customers change the mode of doing business
• Reducing risks when dealing with important projects
• Dealing with different disputes including kinds of litigations with the customers

IV. Categories of enterprise credit investigation report
1.    Simple enterprise credit investigation report
It mainly includes: registration materials and the history revolution of the shareholders and the enterprise, business scope, basic operation state, number of employees, payment records, litigation records, simple financial data, important import and export customers, personal details of the main operators and so forth.
Purposes: to help judge the legality of the enterprises and have an understanding about the general picture of the company, which is suitable for small trade or cooperation.
2.    Standard report of enterprise credit investigation
It mainly includes: increasing company’s organizations and affiliations based on the general credit investigation report, the qualities of company leaders, detailed financial data and financial ratio analysis of the recent 1 year, business status and development prospects, enterprise field investigation, industry status, the enterprise foreign investment, banking relationships and so forth, providing the ideal credit and credit rating.
Purposes: to help customers understand the situation of the enterprise management, financial status and its debt paying ability and then confirm the settlement form and credit limit, applying to frequent, relatively stable and sustainable but small trade relations.
3.    Deep enterprise credit investigation report
It mainly includes: detailed financial data and financial ratio analysis of over three years, detailed industry development, comprehensive management information, basic industry situation, enterprise competitive analyses, personal credit of main leaders, competitor analysis, and comprehensive assessment of the enterprise in a long historical period.
Purposes: to help customers fully understand the production, business operation and management of the enterprise, taking it as an important reference for expanding business, winning the customer or the bank loans as well as for the feasibility analysis of large investment project and important enterprise business decisions.
4.    The Follow-up report of enterprise credit investigation
It is a regular updating of some parts of the credit investigation reports. The updating parts is always about the surveyed company’s financial statements and reports at sight, and it also includes major changes in the shareholders and the system of enterprise operation and management, registration items like the company address, telephone, legal representatives and so forth.
5.    Special report of enterprise credit investigation
According to special requirements of clients, under the premise of abiding by the relevant laws and regulations, it can provide specialized materials required by the special credit information which is not included in the simple report of enterprise credit investigation and deep enterprise credit investigation report, applying to different specialized credit information generated in enterprise operation and management.
V. The significance of enterprise credit investigation
1.    Expanding credit trading scope and improving the trade efficiency
2.    Encouraging investment
3.    Prevent from bank credit risk and reduce bad bank assets
4.    Helping advocate the credit culture of honest management and enhance enterprise's credit consciousness
5.    Help to the implementation of national macroeconomic regulation and policy
VI. Modes of enterprise credit investigation
1.    The mode of enterprise credit investigation in European countries
(1)   Enterprise credit investigation system of fully market-oriented commercial operation. Typical performances are America's commercial credit enterprise and debt collection companies which are operated at the aim of obtaining profits according to market mode. Now America has formed an enterprise credit investigation system constituted mainly by the famous companies like Dengbai Group.
(2)   Enterprise credit investigation system constituted mainly by the central credit registration established by the Central Bank. European countries like Germany and France mainly adopt this mode. The central credit registration system established by the Central Bank is mainly funded by the government to establish a national database of network system. The credit information is mainly applied to banks’ internal departments to serve for commercial banks to guard against credit risk and to help make the central financial regulatory and monetary policy decisions.
(3)   Enterprise credit investigation system jointly constituted by the membership credit reporting agencies and commercial credit reporting agencies established by the banker's association. *** is a typical representative of this system. For example, *** Banker's Association established the nonprofit membership organization——***personal credit information center to make credit investigations of individual consumer or enterprises, and the membership banks can share these information.
2.    The mode of enterprise credit investigation in China

China is still a non credit-checking country. Based on the experience of credit-checking countries, China is facing an important task of establishing our domestic credit system and enterprise credit investigation mode. And as a developing country, the establishment of enterprise credit investigation can not purely be spontaneously achieved through market forces.