Credit investigation is a series of credit information surveys (Grad Grad Credit Investigation Service) conducted by third-party credit intermediaries in response to the credit entrustment of enterprises, including registration data, financial data and business data, which can generate professional credit reports for you, provide decision support for decision makers in the process of selecting trading partners, signing contracts, determining settlement methods or handling overdue accounts and disputes, effectively reduce transaction risks and avoid bad debts. Credit classification: 1. Major credit decisions are within the scope of daily credit decisions of enterprises. Because the risk amount is small, the credit manager is more aware of the customer's situation, so it is enough to use conventional control means. However, problems usually occur in some major credit decisions, such as a large credit transaction that exceeds the daily transaction volume several times, and major investment and transaction decisions have to be made in a short time. These situations have a common feature, that is, the amount is large, the time is short, the parties to the transaction are unfamiliar, and the reasons for the transaction seem to be sufficient. Experienced credit managers often call the credit report at this time to fully understand the customer's background, customer's trading motives and risks in a short time. 2. Different terms of conventional transactions In addition to some major credit decisions, abnormal situations in conventional transactions should also attract the attention of credit managers, such as cross-industry orders from customers who have never bought on credit before, and transactions with terms and amounts exceeding the normal level. This kind of transaction should be distinguished from fraud, and the impact on enterprises is to disrupt the normal credit line issuance. At this time, using the credit report, the credit manager can not only understand the basic situation of customers, but also bring the credit approval into the process management, so as to comprehensively examine whether the credit issuance is in line with the company's interests and help to develop potential long-term customers. 3. Major changes have taken place in the basic information of customers. The basic information of customers may change as follows, such as owner change, company reorganization, merger or acquisition, litigation, emergence of new creditors, etc. These situations will undoubtedly affect the repayment arrangement of customers and have an important impact on whether the enterprise can recover the payment on time. At this time, the credit manager can clearly grasp the changes of customers by calling the credit report. 4. Annual credit review Enterprises with strict credit management conduct credit review on customers every year. At this time, the corporate credit department will update the customer's information and re-evaluate the customer's credit rating. Credit report is a self-contained information product, and the information items it collects can directly meet the needs of customers. In addition, it also has the characteristics of low cost and fast time. Therefore, the credit report can greatly speed up the progress of the annual credit audit of enterprises and reduce the workload of the credit department.