1、资信调查资信调查学习目标学习目标l认识到资信调查的重要性l掌握资信调查的渠道l熟悉调查内容.Introduction 资信调查(Status Enquiry)在进行交易之前，有时需要相互提供可供在进行交易之前，有时需要相互提供可供资信调查的第三者的姓名（行名），资信调查的第三者的姓名（行名），也即是所谓的也即是所谓的资信证明人(Reference)。调查内调查内容容(l)(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。组织机构、主要负责人及担任的职务、分支机构等。(2)(2)政治情况
2、，主要指企业负责人的政治背景，与政界的关系以及政治情况，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。对我国的政治态度等。(3)(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。风、履约信誉等。(4)(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。代理商、生产商，还是零售批发商等。(5
3、)(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。国际市场上的贸易关系等。调查报调查报告告内内容容(l)(l)公司概要：介绍公司的简要情况；公司概要：介绍公司的简要情况；(2)(2)公司背景：介绍公司的注册情况、历史、隶属关系等；公司背景：介绍公司的注册情况、历史、隶属关系等；(3)(3)业务情况：介绍公司的业务范围、供货来源、市场分布等；业务情况：介绍公司的业务范围、供货来源、市场分布等；(4)(4)付款记录：介绍公司以往对外付款记录等；付款记录：介绍公司以往对外付款记录等；(5)(5)财务情况：介绍公
4、司财务情况及营业发展趋势；财务情况：介绍公司财务情况及营业发展趋势；(6)(6)银行往来：主要往来银行及关系；银行往来：主要往来银行及关系；(7)(7)公共记录：介绍公司的法律诉讼、抵押记录等；公共记录：介绍公司的法律诉讼、抵押记录等；(8)(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。式、信用额度和放账期等进行评估。资信调查途径资信调查途径一、要求对方提供营业执照复印件。要特别注意注册资本、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；主营业务、和企业名称及地
5、址；二、亲自调查或委托调查。对外商的资信调查有许多途径，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。我国的有关外贸公司调查。、Writing Skills（一）资信调查信函的写作步骤及常见的表达方式（二）回复资信调查信函的写作步骤及常见的表达方式（一）资信调查信函的写作步骤及常见表达方式1、直截了当地说明写信意图2、说明想要调查的细节和原因3、保证保守秘密1、直截了当地说明写信意图(1)Our prospective customershave given u
6、s your name as a banking reference.(2)have referred us to you that for information concerning their standing.(3)They state that they have done business with you for the past two years and have given us the name of your company as a reference.2、说明想要调查的细节和原因(1)We should be very grateful to you for any
7、 information you can give us about their reputation and credit-worthiness.(2)We should be obliged if you would let us know(3)Since it is our first transaction with this firm,we should greatly appreciate your advice as to what limit you consider them safe.3、保证保守秘密(1)Any information we receive from yo
8、u,of course,will be held in strict confidence.(2)We thank you for your courtesy and assure you of strict confidence.(3)For your convenience in replying,a question is enclosed,together with a stamped,addressed envelop.（二）回复资信调查信函的写作步骤及常见的表达方式1、感谢对方的信任，表达愿意提供信息的意愿2、有利的答复2、不利的答复3、希望对方对所提供的报告保密1、感谢对方的信任
9、，表达愿意提供信息的意愿(1)Thank you for your inquiry about the business standing of we are pleased to supply you the following information.(2)We can thoroughly recommend the firm you inquired about(3)We welcome the opportunity to report favorably on2、有利的答复(1)In these years our relations with them have been con
10、sistently an entirely satisfactory.(2)We welcome this opportunity to assure you of our complete confidence in(3)After some difficulties during the first year,the firm has met its liabilities regularly and punctually.2、不利的答复(1)Our own experience with them has not been satisfactory.(2)Recent difficult
11、ies that seem to be due to bad management have resulted in considerable borrowing at a high rate of interest.(3)Our records show that some of their accounts have been outstanding for long periods.3、希望对方对所提供的报告保密（1）Please consider this information for which we accept no responsibility as strictly con
12、fidential.（2）We offer this information in strict confidence and with good faith.（3）We hope that we have been of assistance to you,and that you will recognize the importance of keeping this communication strictly private.资信调查信函示例资信调查信函示例Dear Sir,Thank you for your letter of 10th March.We are gratifie
13、d to receive your request for men and womens 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
14、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,资信调查信函示例资信调查信函示例Dear Sirs,You are kindly requested to provide us with the information on the credit and bus
15、iness operation of Andson Salt Import Company.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资信调查常用语句资信调查常用语句You would greatly oblige me by obtaining for me inf
16、ormation 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 wo
17、uld give us great pleasure to be able to render you a similar service should opportunity occur.Messrs.Smith&Co.,of your city,desires to open an account with us,and has given us your name as a reference.资信调查信函回复资信调查信函回复Dear Sirs,This is in reply to your enquiry dated April 8th about the credit status
18、 of Da Cheng Mechanical Equipment Company.we regret we have to make an unfavorable account.We found that the company is now being pressed by several creditors and its position is precarious.Therefore,we deem it rather advisable for you to refrain from having relations with that company.This informat
19、ion is strictly confidential and is given without responsibility on our part.Yours faithfully回复查询常用语句回复查询常用语句一般情报，即回信中只是陈述与被查询公司有关的信息，不对其信用一般情报，即回信中只是陈述与被查询公司有关的信息，不对其信用状况作出评价：状况作出评价：Calcutta bankers advise that the company was originally established in 1947 by Mr.Charles E.Smith,to conduct a busine
20、ss in chemicals,cement,paper,milk-products,etc.,as importers.This is a strictly confidential response to a request made by the firm.Any statement on the part of this bank or any of its officers as to the standing of any person,firm or corporation,is given as a mere matter of opinion for which no res
21、ponsibility,in any way,is to attach to this bank or any of its officers.回复查询常用语句回复查询常用语句信用良好：信用良好：They command considerable funds and an unlimited credit,and the executives are thorough business men.We shall be pleased to render you any further services,and we ask you to consider this information as
22、 given in strict confidence.The firm you enquired about in your letter of May 2,2007 enjoys good reputation in the business world.In reply to your inquiry of the 1st inst.,we inform you that our business relations with the firm have hitherto been most satisfactory.The firm enjoys the fullest respect
23、 and unquestionable confidence in the business world.回复查询常用语句回复查询常用语句信用不佳：信用不佳：Replying to yours of 10th May,we inform you that we have ho personal knowledge as to the standing of Messrs.Yada&Co.,of our city.Recently,payments have been quite irregularly made,and more than one occasion we have had to
24、 press for them.We are sorry we are not able to give precise information about the company you asked about.We regret our inability to tell you anything positive concerning the firm mentioned in your letter of the 30th June.银行资信证明范本 2000年8月20日August 20，2000中华人民共和国重庆工商管理局中国，重庆Peoples Republic of China
25、Chongqing Commercial and Industrial AdministrationChongqing，China关于：美国国际出口有限公司资信证明Re：Account of American International Export Credit银行资信证明样本银行资信证明样本 2 _ _银行银行 香港分行香港分行 客户资信简介函客户资信简介函 兹应我行客户兹应我行客户 有限公司有限公司COMPANY LIMITED要求对该公司资信出具简介如下：要求对该公司资信出具简介如下：成立日期：成立日期：年月日年月日 营业地址：香港道营业地址：香港道 号大厦座字楼号大厦座字楼 室：室：
26、（旧地址：香港号（旧地址：香港号 商业大厦商业大厦 字楼）字楼）组织：有限公司；组织：有限公司；董事：董事：先生、女士；先生、女士；注册资本：港币注册资本：港币 万元；万元；实收资本：港币实收资本：港币 万元；万元；经营行业：医药原料、化工原料、医制剂；经营行业：医药原料、化工原料、医制剂；往来情况：该公司于一九年月日在我行开户，往来往来情况：该公司于一九年月日在我行开户，往来情况正常，我行给予该公司有位数字之授信，并有押汇业情况正常，我行给予该公司有位数字之授信，并有押汇业务经我行叙做，过程满意，对一般正常商业往来可资信赖。务经我行叙做，过程满意，对一般正常商业往来可资信赖。资信证明书（标准
27、格式样本）资信证明书（标准格式样本）编编 号：号：年年 号号 签发日期：签发日期：年年 月月 日日 （证明书接受人）（证明书接受人）：（被证明人）（被证明人）因因 （资信证明用途）（资信证明用途）委托委托我行（部）对其资信状况出具证明书，经确认具体情况如下：我行（部）对其资信状况出具证明书，经确认具体情况如下：（被证明人）（被证明人）在我行（部）开立有结算帐户。在我行（部）开立有结算帐户。自自 年年 月月 日日开始，到开始，到 年年 月月 日日止，止，（被证明（被证明人）人）在我行（部）办理的各项信贷业务在我行（部）办理的各项信贷业务（有（有/无）无）逾期（垫款逾期（垫款）和欠息记录，资金结算
28、方面）和欠息记录，资金结算方面（有（有/无）无）不良记录，执行结算不良记录，执行结算纪律情况纪律情况（良好（良好/不好）不好）。1.Smith&Co,in Vancouver has written to us that they wish to act as our agent for Handicrafts in Canada.They have given us your name as their reference.We are therefore writing to you with the request that you would obtain for us any inf
29、ormation about the company.We thank you in advance.2.We should appreciate it if you could obtain for us any information about the financial and credit standing of Messrs.James Neil&Co.in London.The reference they have given us is their bank,Hong Kong and Shanghai Banking Corporation.3.Messrs.Armstro
30、ng&Smith Co.have written to us with the hope to open up business relations with us.Before trading with them,we would like to know their credit status and should be obliged if you could obtain any information about the above firm.4.We should be pleased to enter into trade relations with your firm but
31、 hope that you will provide us with 2 bank references so that we may proceed with the negotiation of business.5.The firm enquired about in your letter was founded in 1970 with a capital of US$100,000 and an annual turnover of US$300,000.It is learned that they had a profit of US$50,000 last year.6.M
32、essrs.William Baker&Co.you inquired about is a large importer of textiles.The maximum credit we granted to them is 5，000 in the past and they can meet their obligation in time.1.We_ be much obliged if you would inform us of the financial and credit standing of the company named above.2.We would like
33、 you to enquire _ the credit standing of J.A.Hussain&Co.on our behalf.3.We advise you that you must regard their request for credit _ caution.4.Please oblige us by _ your best price.5.We will keep you _of the recent market development.6.John Smith&Co.has given us your name as _ for their financial s
34、tanding.7.Please let us know if they have the reputation of keeping their _ fully.8.Any information you may give us will be treated in absolute _.9.We regret being unable to enter _ new engagement for the time being.1.should2.into3.with4.offering5.infomed6.reference7.engagement8.confidence9.intoDear Sirs,Thank you for your inquiry about the business standing of,we are pleased to supply you with the following information.
