Introduction
With a wide business scope, consultation service mainly includes transfer and sales of information as well as intellectual services.
Business Information Consultation
Credit information consultation is an inspection on counterpart's capital credit status, payment capability and supply capability when signing a contract in purchase and sale transactions at home and abroad. Bank credit information consultation specifically covers credit visa, credit information consultation and capital verification.
1. Credit visa
As a fee-based business, credit visa is a kind of irrevocable guarantee. Bank consultation firms carry out various credit visa businesses for customers according to laws and regulations. Credit visa business consists of import ordering visa, domestic ordering visa, bidding visa and investment visa. Credit visas can be divided into guarantee visa and payment guarantee visa as per difference liabilities.
2. Credit information consultation
Bank credit information consultation is mainly carried out for meeting the requirement of understanding counterpart's credit during company's operation. It can be divided into general credit information consultation and risk credit information consultation.
3. Capital verification
Bank consultation firms are entrusted by relevant Administration for Industry and Commerce in verifying the capital owned by the enterprise legal person that is prepared for registration or has registered for business operation. Bank consultation firm verifies the legitimacy of capital source and the accuracy of capital amount for registered enterprise legal person, and submits reports on verification results in written form to relevant Administration for Industry and Commerce, so as to provide the ground for examination and approval by such authority.
Appraisal Consultation
Bank appraisal consultation is divided into assessment on enterprise credit rating and assessment on investment loan.
1. Assessment on enterprise credit rating
As a credit recognizing business carried out by bank consultation department, corporate credit rating assessment has its significance for both the bank and the enterprise. It is the precondition for bank credit extension, as well as an effective measure for enterprise in its improvement of operation, management and credit rating.
2. Assessment on investment loan
Investment loan assessment focuses on fixed asset investment, including enterprise overview, project overview, market forecasts, technology and design analysis, investment plan, financial budget, benefit analysis and uncertainty analysis. The assessment provides reliable evidences for investment project selection by means of systematic engineering theories and methods, based on qualitative conclusion and objective assessment worked out by quantitative analysis.
Other Consultation Services
Besides, the bank is also involved in consultations such as capital verification, technology trading intermediary, market information and international economic information.
Charges
The consultation fee is determined by both parties after negotiation.
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