第三章-外贸资信调查(1)

第三章资信调查学习目标认识到资信调查的重要性掌握资信调查的渠道熟悉调查内容Ⅰ.Introduction资信调查(StatusEnquiry)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），也即是所谓的资信证明人(Reference)。调查内容(l)国外企业的组织机构情况，包括企业的性质、创建历史、内部组织机构、主要负责人及担任的职务、分支机构等。(2)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。(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。(4)经营范围，主要是指企业生产或经营的商品、经营的性质，是代理商、生产商，还是零售批发商等。(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国际市场上的贸易关系等。调查报告内容(l)公司概要：介绍公司的简要情况；(2)公司背景：介绍公司的注册情况、历史、隶属关系等；(3)业务情况：介绍公司的业务范围、供货来源、市场分布等；(4)付款记录：介绍公司以往对外付款记录等；(5)财务情况：介绍公司财务情况及营业发展趋势；(6)银行往来：主要往来银行及关系；(7)公共记录：介绍公司的法律诉讼、抵押记录等；(8)综合评估：对与该公司交易时应注意的问题、应采用的结算方式、信用额度和放账期等进行评估。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、主营业务、和企业名称及地址；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、商会或同业公会或我国的有关外贸公司调查。Ⅱ、WritingSkills（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)Ourprospectivecustomers…havegivenusyournameasabankingreference.(2)…havereferredustoyouthat…forinformationconcerningtheirstanding.(3)Theystatethattheyhavedonebusinesswithyouforthepasttwoyearsandhavegivenusthenameofyourcompanyasareference.2、说明想要调查的细节和原因(1)Weshouldbeverygratefultoyouforanyinformationyoucangiveusabouttheirreputationandcredit-worthiness.(2)Weshouldbeobligedifyouwouldletusknow…(3)Sinceitisourfirsttransactionwiththisfirm,weshouldgreatlyappreciateyouradviceastowhatlimityouconsiderthemsafe.3、保证保守秘密(1)Anyinformationwereceivefromyou,ofcourse,willbeheldinstrictconfidence.(2)Wethankyouforyourcourtesyandassureyouofstrictconfidence.(3)Foryourconvenienceinreplying,aquestionisenclosed,togetherwithastamped,addressedenvelop.（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，表达愿意提供信息的意愿(1)Thankyouforyourinquiryaboutthebusinessstandingof…wearepleasedtosupplyyouthefollowinginformation.(2)Wecanthoroughlyrecommendthefirmyouinquiredabout…(3)Wewelcometheopportunitytoreportfavorablyon…2、有利的答复(1)Intheseyearsourrelationswiththemhavebeenconsistentlyanentirelysatisfactory.(2)Wewelcomethisopportunitytoassureyouofourcompleteconfidencein…(3)Aftersomedifficultiesduringthefirstyear,thefirmhasmetitsliabilitiesregularlyandpunctually.2、不利的答复(1)Ourownexperiencewiththemhasnotbeensatisfactory.(2)Recentdifficultiesthatseemtobeduetobadmanagementhaveresultedinconsiderableborrowingatahighrateofinterest.(3)Ourrecordsshowthatsomeoftheiraccountshavebeenoutstandingforlongperiods.3、希望对方对所提供的报告保密（1）Pleaseconsiderthisinformationforwhichweacceptnoresponsibilityasstrictlyconfidential.（2）Weofferthisinformationinstrictconfidenceandwithgoodfaith.（3）Wehopethatwehavebeenofassistancetoyou,andthatyouwillrecognizetheimportanceofkeepingthiscommunicationstrictlyprivate.资信调查信函示例DearSir,Thankyouforyourletterof10thMarch.Wearegratifiedtoreceiveyourrequestformenandwomen'sraincoatsonapproval.Aswehavenotpreviouslydonebusinesstogether,perhapsyouwillkindlyagreetosupplyeithertheusualtradereferences,orthenameofabanktowhichwemayrefer.Assoonastheseenquiriesaresatisfactorilysettled,weshallbehappytosendyoutheitemsyoumentioninyourletter.Wesincerelyhopethiswillbethebeginningoflongandpleasantbusinesscooperation.Weshalldoourbesttomakeitso.Yourssincerely,资信调查信函示例DearSirs,YouarekindlyrequestedtoprovideuswiththeinformationonthecreditandbusinessoperationofAndsonSaltImportCompany.Pleasebeconvincedthatallthematerialsyousupplytouswillbekeptabsolutelysecret,forwhichyouwillnottakeanyresponsibilities.Weappreciateyourearlyreply.Yoursfaithfully资信调查常用语句Youwouldgreatlyobligemebyobtainingformeinformationastothepresentfinancialpositionofthefirmnamedontheattachedslip.Asweareonthepointoftransactingsomeimportantbusinesswiththem,weshouldliketoknowexactlyhowtheircreditstands.Anyinformationyoumaygivemewill,ofcourse,betreatedasstrictlyconfidential.Itwouldgiveusgreatpleasuretobeabletorenderyouasimilarserviceshouldopportunityoccur.Messrs.Smith&Co.,ofyourcity,desirestoopenanaccountwithus,andhasgivenusyournameasareference.资信调查信函回复DearSirs,ThisisinreplytoyourenquirydatedApril8thaboutthecreditstatusofDaChengMechanicalEquipmentCompany.weregretwehavetomakeanunfavorableaccount.Wefoundthatthecompanyisnowbeingpressedbyseveralcreditorsanditspositionisprecarious.Therefore,wedeemitratheradvisableforyoutorefrainfromhavingrelationswiththatcompany.Thisinformationisstrictlyconfidentialandisgivenwithoutresponsibilityonourpart.Yoursfaithfully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，不对其信用状况作出评价：Calcuttabankersadvisethatthecompanywasoriginallyestablishedin1947byMr.CharlesE.Smith,toconductabusinessinchemicals,cement,paper,milk-products,etc.,asimporters.Thisisastrictlyconfidentialresponsetoarequestmadebythefirm.Anystatementonthepartofthisbankoranyofitsofficersastothestandingofanyperson,firmorcorporation,isgivenasamerematterofopinionforwhichnoresponsibility,inanyway,istoattachtothisbankoranyofitsofficers.回复查询常用语句信用良好：Theycommandconsiderablefundsandanunlimitedcredit,andtheexecutivesarethoroughbusinessmen.Weshallbepleasedtorenderyouanyfurtherservices,andweaskyoutoconsiderthisinformationasgiveninstrictconfidence.Thefirmyouenquiredaboutinyourlet