Overall process of financial leasing business - credit investigation

After the company receives the leasing business application，The financial leasing salesperson goes to the customer's location to negotiate the financial leasing plan.、Conduct credit investigation and collect tenant’s core information。In the credit investigation, it is necessary to focus on understanding the lessee’s business background and business strength.、Current economic strength and future repayment ability。 one、Credit investigation objectives: Effectively control risks，Under the condition of certain income，minimize risk。

two、Prerequisites

1. Is the information provided by the customer complete?、reality、Conduct effective investigation and verification，The copies provided should be checked against the originals.，And sign (or stamp) the words "Verified and consistent with the original" on the copy.
2. Check the enterprise (institution) legal person business license provided by the customer、Whether the relevant certificates or valid proof of residence are authentic、efficient，Whether the legal person business license has undergone annual inspection procedures in accordance with regulations；Check whether the legal person’s business license has been revoked、Log out、Statement invalid，Whether the content has changed, etc.。
3. Check whether the content of the financial leasing business application is complete、whole。 three、key factors
4. Conduct relevant interviews with key employees of corporate clients，Individual customers conduct checks on their relatives。
5. Investigate and analyze the reasons for demand for financial leasing。
6. Investigate and analyze the use of financial leasing equipment，Check the authenticity of the project contract，Identify whether the project is real，And go to Party A’s project to verify，At the same time, go to the construction machinery working site to conduct surveys。

Investigate and analyze the reasons for demand for financial leasing。

1. Check whether the signatures of the customer’s legal representative and authorized principal are authentic、efficient。
2. Investigate and analyze repayment sources and repayment time。 register，If you need consultation, please add，Please note "financial lease")

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