Service Tenets:

Financial credit services of Ease Credit are devoted to assisting banks, financial leasing, securities, commercial factoring, internet finance and other financial customers with improving risk control capability at the preliminary, middle and later stages, optimize risk management process and lower cost, and help enterprises assess the qualifications and credit risks of upstream and downstream enterprises of core customers.

Service Tenets:

KYC Investigation

Ease Credit supports enquiry about business registration and shareholders information and litigation records, and helps financial institutions verify company profile and information of shareholders, rivals and other associated enterprises, building up the first risk firewall for financial institutions.

Credit Risk Investigation:
Ease Credit provides business credit risk reports for customers and helps financial institutions understand business credit risk via gathering and integrating business general information obtained from public sources. Pertinent to trade financing business, Ease Credit investigates the profile, trade credit information, operating status, changes, negative information, etc. of upstream and downstream enterprises of core enterprises and help financial institutions assess credit extension, etc.

On-the-Spot Credit Investigation Service (SV)

On-the-sport credit investigation service (SV service) of Ease Credit provides pre-loan on-the-spot investigation, leased equipment inspection, mortgage registration on commission basis and other on-the-spot investigation and tasks for financial institutions, and assists them increase process efficiency and reduce cost.

Pre-loan on-the-spot investigation:

Helping financial institutions gather and organize field data before credit extension to enterprises, and providing financial institutions with the best information support for their credit extension decisions Leased equipment inspection: assisting financial and equipment leasing customers with investigating and tracking equipment installation situation, service condition and equipment status of equipment lessees, and guaranteeing leasers’ rights and interests
Mortgage registration on commission basis: helping financial customers finish mortgage (including such collaterals as goods, equipment, vehicles, real estates, etc. owned by credit receivers) registration with the local AIC, and protecting the rights and interests of credit receivers

Post-loan Risk Monitoring:

Based on own 7X24 online business database service platform, Ease Credit conducts real-time tracking of database, and collects and dynamically updates around 70 million various market entities. It integrates multiple characteristic information sources such as external investment, enquiry about Legal Representative, litigation and execution records, registration information monitoring, etc. to help enterprises understand customers in more complete and efficient ways so that they can make more correct credit decision.

Ease Credit has greatly increased business enquiry efficiency by integrating the credit publicity information in all the provinces and cities nationwide, and also can provide dynamic and real-time risk monitoring.

Credit Risk Management of SME Financing

Imperfect credit systems of SME; banks’ credit unwillingness to SME

Market economy is credit economy, and business credit concerns whether market can realize effective operation and healthy development. Nowadays, some medium and small enterprises in China severely lack credit. They not only default bank loans but also evade bank debts in various excuses. On this account, the majority banks are reluctant to extend loans to SMEs and the financing ability of SMEs gets weakened to some extent.
SMEs can hardly meet security guarantee conditions of bank loan; with low financial management level, they are faced with high loan risks. As a result, banks usually do not show big enthusiasm of loan issuing.

Financial credit solutions of Ease Credit can effectively accelerate credit conferring approval process by partial automatic and batched approval, and identify false and associated guarantee and bogus rivals in transaction, and recognize associated enterprises and relations of group members in order to considerably cut credit investigation cost.

1. Credit investigation on rivals of trade financing customers
2. On-the-spot investigation on small enterprises before loan
3. Credit investigation on upstream and downstream enterprises of IPO and M&A customers
4. Equipment financing post-loan inspection
5. Business malicious information monitoring after loan

Customer Returns

Understanding business compliance risk in complete and timely ways, quickly confirming business authenticity, promptly evade fraud risk, compliance risk or joint liability, and effectively finding out and eliminating bribery and other litigation risks.

Efficiently supplementing and solving information asymmetry, and helping assess qualifications of upstream and downstream enterprises of core customers and associated transactions of credit risk prevention.

Improving approval efficiency and safety, greatly reducing cost, and more facilitating market promotion.

Promptly grasping important events or negative information of enterprises, saving human power of financial institutions and strengthening monitoring, and discovering risk as soon as possible in order to take measures early.