个人信贷客户资信调查函
借款资料清单【范本模板】
目录目录 (1)一、个人借款需要提供资料 (1)二、融资租赁所需提供文件、资料租赁申请人提供材料 (2)三、租赁项目材料 (4)四、租赁担保人提供材料 (5)五、企业借款需要提供的资料 (6)六、申请股权出质登记注册应提交文件、证件 (9)七、办理房产抵押登记所需提供文件、资料 (10)八、招投担保申请需提交材料 (11)九、履约保证证明（保函）担保 (12)十、工程履约担保（非投标类） (13)十一、业主支付担保所需提供资料 (14)十二、工程质量担保（履约类） (15)十三、工程维修担保（履约类） (16)十四、工程分包担保（履约类) (18)十五、交易转按揭担保 (19)十六、转贷担保业务 (20)十七、凭抵押回执放款担保业务 (21)十八、安居房换证担保业务 (22)十九、直客式按揭担保业务（一手楼按揭担保业务) (23)二十、汽车借款担保业务 (24)二十一、个人经营性借款担保业务 (25)二十二、企业流动资产借款担保 (26)一、个人借款需要提供资料1、本人有效身份证、户口薄、军官证。
2、所在单位出具的资信调查函、包括职业性质、职工稳定性。
3、银行征信记录。
4、个人综合月收入证明.5、个人工作证和工资记录或工资清单。
6、学历证书,职称证书。
7、房产证或房屋租赁合同等住房情况证明。
8、婚姻状况及子女情况。
（结婚证或单身证明)9、其他金融资产证明（如股票交割单、储蓄、个人保险、基金、国债等）10、根据客户实际情况，需要提供的其他资料。
二、融资租赁所需提供文件、资料租赁申请人提供材料1、公司营业执照复印件/执业许可证复印件2、组织机构代码证复印件3、验资报告、开户许可证复印件4、税务登记证复印件5、经营许可证6、法人代表身份证复印件7、公司章程8、租赁申请人介绍9、租赁申请人股权结构10、租赁申请人组织结构11、租赁申请人管理团队12、减免征税的税种、税率及减免依据13、股东会或董事会关于同意租赁的决议书、授权书；14、近期（三个月)财务会计报表及附注15、近期(三个月)银行对账单/余额平衡表16、近期（三个月）纳税申报表17、前三年审计师事务所审计报告18、前三年度纳税申报表复印件19、借款证卡复印件和查询密码20、借款信息（额度/银行/起止日期/担保抵押情况）21、租赁申请书22、公司给予第三者的担保情况（担保性质、被担保人、标的金额等）23、公司的抵押情况（抵押物、抵押权人、期限、标的金额等)24、诉讼或仲裁情况说明三、租赁项目材料1、租赁项目可行性报告(市场分析/建设投入/运营成本/盈利/建设进度计划/现金流预测等）2、租赁物介绍（标的物件名称要明确（必须在附件中以表格的形式列示租赁的明细说明），租赁标的物的原由,市场前景，出卖方简介,技术参数，产数数据,功能特点，科技水平，使用年限，价格走向，租赁物使用的资质要求，配员制度，市场占有率或其他厂商使用情况说明，替代品价格及市场情况等。
银行资信证明种类有哪些
银行资信证明种类有哪些银行资信证明种类有哪些资信证明业务是银行内的一种业务，是要对外出具资信证明函件的形式。
那么银行资信证明有哪些种类?下面是店铺给大家带来银行资信证明种类，希望对你有帮助。
银行资信证明种类(一)存款证明。
这是银行出具的数量较多的资信证明。
报载，建设银行赣州市分行现已正式发文推出个人存款证明书业务。
实际上，大多数银行都自觉或不自觉的出具过存款证明。
(二)“企业登记注册入资凭证”资金证明。
根据公司注册资本登记管理有关规定，注册资本中以货币出资的，股东应当将其认缴的出资足额存入新设立公司所在地银行的“专用帐户”。
会计师事务所出具的验资报告应当附银行出具的企业登记注册入资凭证。
(三)“询证函”证明。
即企业的银行存款、借款及往来款项证明。
根据财政部和中国人民银行有关规定，注册会计师依法审查企业会计报表，验证企业资本，办理企业合并、分立、清算事宜中的审计业务以及审计业务，需要以被审计企业名义向有关单位发函询证，以验证该企业的银行存款、借款及往来款项等是否真实、合法、完整时，各商业银行要积极配合，据实填写有关数据资料，明确签署意见，认真做好函证的回函工作。
(四)资信调查证明。
根据国家外汇管理局对银行外汇业务范围的界定，资信调查，是指银行接受境内外客户委托，对企业的资信状况进行调查或对客户自身资信进行调查，向其业务对象证明自身资信的业务。
(五)见证证明。
根据国家外汇管理局对银行外汇业务范围的界定，见证业务，是指银行为申请人提供证明，证明申请人向受益人所提供的材料属实，有履约能力，但不负法律责任的业务。
(六)履约证明。
即企业履行借款合同、担保合同信誉状况证明。
一般情况下，银行或企业与其新客户进行贸易等业务往来之前要向有关个人或组织调查或了解其财务状况或商业信誉，同时也向有关个人或组织提供其本身客户履行借款合同、担保合同信誉状况的资信证明。
另外，银行办理信贷业务，大多数情况下要求借款人担保人为其借款向贷款银行提供担保。
商务英语写作经典案例详解
Part Two业务信函Chapter 1 资信调查函1. Consulting Letter 咨询函写作案例详解Dear Sir or Madam,The under-mentioned firm has recently asked if they could represent us in the marketing of our products in the United States as our sole agent:Delta Company, Ltd1258 Huston AvenueNew York,NY10051It will be greatly appreciated if you could provide us some information about the financial and business standing of the above firm. Any information you give will be treated in strict confidence.Look forward to your early reply.Sincerely yours,Thomas2. Survey the New Opener from the Bark 向银行查询新客户资信情况写作案例详解Dear Sir or Madam,We have received an order for US＄80,000 worth of goods from Delta Co.Ltd,1258 Huston Avenue, New York, , who has given your bank for reference. Could you please tell us if they are good for this amount? Are they trustworthy and reliable? We shall be most grateful for any information you give.Any advice you give us will be kept strictly confidential. We are also pleased to perform a similar service for you should the opportunity come.A stamped and addressed envelope has been included for your reply. Thank you in advance. Sincerely yours,Thomas3. 向客户查询信用及经营情况 Inquiring New Customer’s Credit Information from Customers 写作案例详解Dear Mr. Smith:We have received an important order from Delta Co.Ltd,1258 Huston Avenue, New York, , who has given us your name for reference. We would be much obliged if you could give us some information concerning their business status.Any information you give will be highly appreciated and kept in strict confidence. We shall be pleased to do the same if you should need our services at this end.Yours SincerelyThomas4. 带附表的资信调查函 Credit Survey Letter with Attachment写作案例详解Dear Sir or Madam,We have received a sudden order from the Delta Company,Ltd,1258 Huston Avenue,New York,NY 10051,who gives us your name as a reference. We shall appreciate it if you will spend a couple of minutes informing us of your own experiences with the firm by answering the attached questionnaire and returning it to us in the enclosed envelope.Any information you may give us will be treated as strictly confidential.Thank you for your help.Very truly yours,Thomas(Attached Questionnaire)(1) How long have you been in business relations with the firm?year(s) month(s)(2) What credit limit have you placed on their account?USD(3) How promptly are terms met? (choose one of the following)Very promptly Fairly promptly Slowly(4) What amount is currently outstanding?USD5. 资信调查有利回函 Favorable Letter of Credit Information写作案例详解Dear Thomas,In reply to your inquiry of March 16th,the firm you inquired about enjoys the fullest respect and unquestionable confidence in the business world.They have always provided in-time delivery, moderate prices and superior quality. I am sure that if you open an account with them, you will find them most straightforward people. Personally, I should have no hesitation in according them a credit of US dollars. However, this is without obligation on my part.Hope this will help you in making a decision.Sincerely yours,6. 资信调查不利回函 Unfavorable Letter of Credit Information写作案例详解Dear Thomas,We have received your letter of August 8th,concerning the credit standing of Delta in New York. In the past three years, the company has experienced a serious difficulty in finance and delayed in executing their normal payment. It seems to us that the company’s difficulties are due to bad management and in particular to overtrading.Therefore, we would advise you to pay most careful attention to any business relations with them. However, this is our personal opinion and we wish you would make further inquiries on your part.Yours sincerely7. 表明无法提供确切意见而致歉写作案例详解Dear Thomas,We regret our inability to let you know any information concerning the firm in question in your letter of June 6.It is true that we had business with them several years ago,but the amount of business was not so large as to supply any responsible opinion on its business capability and credit standing. Please make further status inquiries from other inquiry agencies.Truly yours8. 请求老客户作为资信证人 Asking for Credit Information from Old Customers写作案例详解Dear Charlie，Thank you for your letter of August 2,telling us that the equipment you bought from us is running well.As you know,in our line of business,clients always shop around and look for references before they order. Would you please use your experience with us as a reference when our future clients call you?Thank you for your kind words in advance.Look forward to our future cooperation.Best,9. 要求对方提供资信资料 Asking for Credit Information写作案例详解Dear Mr.Bean,Thanks for your order and inquiry on August 1st. Our company has been dealing with electronic equipment for over 20 years. We are confident in offering what you need and providing you the best service.Since it is the first time we contact,we would be highly appreciated if you could supply either the usual trade references,or the name of a bank to which we may refer. We are also glad to provide you the same if needed.We sincerely hope this will be the beginning of a long and pleasant business cooperation. We shall do our best to make it so.Sincerely yours,Thomas10. 同意资信要求 Accepting the Consulting Requirement写作案例详解Dear ThomasThanks for your reply of August 2nd.Concerning your request,we refer you to Falcon Machine Tools Co.,Ltd.,Shanghai and The Chase Bank of New York,who will be pleased to give you the information about our financial standing and creditability of business.If there is any other information we can provide,we would be happy to do so.Sincerely yours,Chapter 2前期准备1. Business Survey业务调查写作案例详解Dear Sirs,We have learned from Smith and Company of Birmingham that you manufacture a range ofhigh-fashion handbags in a variety of leathers.We operate a quality retail business and although our sales volume is not large,we obtain high prices for our goods.Would you please send me a copy of your handbag catalogue with details of your prices and payment terms?We would find it most helpful if you could also supply samples of the various skins from which the handbags are made.Yours faithfully,2. Credit Information Letter咨询信写作案例详解Dear Mr.Jones:We understand from your information posted on that you are in the market for textiles.We would like to take this opportunity to introduce our company and products,with the hope that we may work with Bright Ideas Imports in the future.We are a joint venture specializing in the manufacture and export of textiles.We have enclosed our catalog,which introduces our company in detail and covers the main products we supply at present.You may also visit our online company introduction at which includes our latest product line.Should any of these items be of interest to you,please let us know.We will be happy to give you a quotation upon receipt of your detailed requirements.We look forward to receiving your enquiries soon.Sincerely,John Roberts3. Wishes for Relation Establishment表达建立业务关系的意愿写作案例详解Dear Thomas Murphy:Thank your for your letter of the 16th of this month.We shall be glad to enter into business relations with your company. In compliance with your request, we are sending you,under separate cover,our latest catalogue and price list covering our export range. Payment should be made by irrevocable and confirmed letter of credit. Should you wish to place an order,please telex or fax us.Yours sincerely,4． Accepting and Declining Business Relation Establishment接受/拒绝建立业务关系写作案例详解Dear Mr.Sutherland,We were very pleased to receive your letter of March 26 placing a large order with us. Before we can send the goods,we must ask you for the usual references,one from your bank and one from another firm from whom you have bought goods.We would be glad if you would let us have the names and addresses as soon as possible so that we may write to them.These references will,of course,be treated as private and confidential.We look forward to hearing from you again soon.Yours sincerelyJoe WilsonChapter 3建立商务关系1. Establishment of Business Relation建立商务关系写作案例详解Dear Sirs,A few days ago we had the opportunity to see a display of your products at the Chengdu International Trade Centre，and we were most impressed with their quality and low prices． We should like to offer you our services as a trading firm，and would mention that we have excellent connections in the trade and are fully experienced with the import business for this type of product．In addition，we operate our own advertising agency，and we can use the latest marketing procedures quite efficently．You can be sure of increasing your turnover considerably if you would allow us to promote sales of your products throughout China．We look forward to hearing from you．Sincerely yours，Liyun Liu2. Resume Relation with Old Customers与过去有贸易往来的公司恢复联系写作案例详解Dear Thomas Moore:We understand from our trade contacts that your company has reestablished itself in Beirut and is once again trading successfully in your region.We would like to extend our congratulations and offer our very best wishes for your continued success.Before the war in Lebanon,our companies were involved in a large volume of trade in our textiles.We see from our records that you were among our best long-term customers.We very much hope that we can resume our mutually beneficial relationship now that peace has returned to Lebanon.Since we last traded,our lines have changed beyond recognition.While they reflect current European taste in fabrics,some of our designs are specifically targeted at the Middle Eastern market.As an initial step,I enclose our illustrated catalogue for your perusal.Should you wish to receive samples for closer inspection,we will be very happy to forward them.We look forward to hearing from you. Yours sincerely,David Parker3. Seek for Business Partners寻求合作伙伴写作案例详解Dear Sirs,Shanghai’s rapidly developing manufacturer of Electric Home Products,“Shun Fa”offers you an ideal business opportunity.Years of research and development have earned our company a foremost position in electrical engineering in the East of China.A vast number of applicable patents have helped stimulate our development program over the past several years.Our main lines of products include:TV,portable computer,MP3,MP4,car radio,car stereo,medical instruments,electronic industrial instruments,etc.For information concerning our financial position,credit standing and tradereputations,please refer to the Bank of China,which we have engaged a business relationship with for several years.We are a medium-sized company but we are growing fast and we would like you to be a fort of our future!Shun Fa Electric Co.,Ltd.22 Zhong Yuan Road,Shanghai,ChinaWang HuiGeneral Manager4. Contact Letters between Importers and Exporters进口商与出口商/出口商与进口商的联络信写作案例详解Dear Sirs,Your firm has been recommended to us by John Morris&Co.,with whom we have done business for many years.We specialize in the exportation of Chinese chemicals and pharmaceuticals,which have enjoyed great popularity in world market.We enclose a copy of our catalogue for your reference and hope that you would contact us if any item is interesting to you.We hope you will give us an early reply.Yours faithfully,John EdisonChapter 4业务接触1. Asking for /Sending Samples or information索取/寄送样品或资料写作案例详解Gentleman:We are glad to note from your letter of the 1st March that you,as exporters of Chinese Cotton Piece Goods,are willing to establish direct business relations with us.This happens to coincide with our desire.At present,we are interested in Printing Shirting and shall be pleased if you will kindly send us by airmail catalogues,sample books,and all necessary information regarding Printed Shirting,so as to acquaint us with the material and workmanship of your supplies.Should your price be found competitive and delivery date acceptable,we intend to place a large order with you.Your early reply will be highly appreciated.Yours faithfully,David Parker2. Acting as Agents担任代理(请求，同意和拒绝)写作案例详解Dear Sirs,Thank you for your letter of 12 April proposing a sole agency for our office machines.Having examined our long and mutually beneficial collaboration,we would be very pleased to entrust you with the sole agency for Bahrain.From our records,we are pleased to note that you have two service engineers who took training courses at our Milan factory.The sole agency will naturally be contingent on your maintainingqualified after sales staff.We have drawn up a draft agreement that is enclosed.Please examine the detailed terms and conditions and let us know whether they meet with your approval.On a personal note,I must say that I am delighted that we are probably going to strengthen our relationship.I have very pleasant memories of my last visit to Bahrain when you entertained me so delightfully.I look forward to reciprocating on your next visit to Milan.Sincerely yours,(Signature)3. Requiring/ Agreeing Trial Sales要求/同意试销写作案例详解Dear Sirs,Some of our customers have recently expressed interest in your“Golden Deer”bicycles and enquired about their quality.Provided quality and price are satisfactory there are prospects of good sales here,but before placing an order we should be pleased if you would send us,on fourteen days' approval,a selection of men’s,women’s and children’s bicycles.Any of the items unsold at the end of the period,and which we decide not to keep as stock,would be returned at our expense.Yours faithfully,(signature)Chapter 5价格谈判1. Buyer’s Inquiry买方询盘写作案例详解Dear Sir or MadamWe learned from our common business partner JIAFU Ltd.that your company is one the major exporters of cashmere products in Australia.We are a leading dealer in high-quality textiles in mainland China and are very much interested in importing your goods especially men’s cashmere sweater.We would appreciate your sending us catalogues,sample books or even samples if possible.Please give us detailed information on CIF Dalian Prices,terms of payment and discount you would allow on purchases of quantities of no less than 10,000 pieces.We hope this will be a good start for a long and profitable business relation.Sincerely yours,Mr.Jim Li2. Seller’s Offer买方发盘写作案例详解Dear Mr.Li,We welcome your inquiry dated June 16th and thank you for your interest in our men’s cashmere sweater.In accordance with the instruction given in your last letter,we hereby enclose our illustrated catalogue and price list giving the details you asked for.Also by separate post,we are sending you some samples.We are confident that you would be satisfied with the design and quality. In reply to your inquiry,we take pleasure in making you an offer as follows,provided yourreply reaches us with 10 days from today:Commodity:Men’s Cashmere SweaterQuantity:10,000 piecesPrice:US＄ 20 net per piece CIF DalianShipment:July 2008Payment:irrevocable L/C at sightOn considering the fact that this is our first transaction and the volume you ordered is not small,we would allow you a discount of 5%.We are expecting your early order.Yours faithfully,Ms Judy Jordan3. Buyer’s Counter Offer买方还盘写作案例详解Dear Ms Judy Jordan,We are in receipt of both your offer of June 19 and the catalogue and samples.While appreciating the special design and good quality of your products,we find your price is rather too high for Chinese market.We have to point out that Japan-made men’s cashmere sweater of this quality are available in our market,all of them are at prices about 15% below yours. Such being the case,we have to ask you to consider if you can make reduction in your price,say 15%.As we are ready to purchase many other cashmere products later this year,you may think it worth while to make a concession for a potential big client.We are anticipating your early reply.Sincerely yours,Mr.Jim Li4. Accepting the Offer接受发盘写作案例详解Dear Ms Judy Jordan,Thank you very much for your quotation for your men’s cashmere sweater along with the catalogue and samples.We found both the design and quality of your products meet our requirement and the prices you quoted are satisfactory.We also note that you will allow us a discount of 5% on an order of no less than 10,000 pieces.We therefore take pleasure of placing you the order as follows,which we commend to your immediate and best attention:Quantity Specification Catalogue No Prices10,000 pieces men’s cashmere sweaters XL M10 US＄ 20 eachPlease note that as these goods are urgently required in our market,we should be obliged if you could dispatch the goods as soon as possible.If this first order proves satisfactory,we shall be happy to place further orders with you.Sincerely yours,Mr.Jim Li5. Declining the Offer拒绝发盘写作案例详解Dear Ms Judy Jordan,We acknowledge receipt of both your offer dated June 19 and the mailed catalogue and samples. In reply,we regret to inform you that our clients find your price much too rmation indicates that the said articles of similar quality made in other countries have been sold here at a level about 20% lower than that of yours.We do not deny that the design of your products is slightly better,but the difference in price should in no case be so big.Therefore,we have to order these articles from other companies if you are not able to reduce your price to US＄ 15 each piece.Hope to have better opportunities to cooperate with your company.Sincerely yours,Mr.Jim Li6. Accepting the Counter Offer接受还盘写作案例详解Dear Mr.Jim Li,We want to say how pleased we were to receive your counter offer of June 23.Please note that it was in view of our long term business relationship that we made you such a favorable offer. We confirm supply of 10,000 pieces of men’s cashmere sweaters at the prices stated in your letter and will allow a 5% special discount on your order of 10,000 pieces or above.Our Sales Confirmation No.AB2C in two originals were airmailed to you.Please sign and return one copy of them for our file.It is understood that a letter of credit in our favor covering the said articles should be opened immediately.You may rest assured that we will effect shipment without delay on receipt of your letter of credit.We appreciate your cooperation and look forward to receiving from you further orders. Sincerely yours,Ms Judy Jordan7. Declining the Counter Offer拒绝还盘写作案例详解Dear Mr.Jim Li,Thank you very much for your letter dated June 23 and your appreciation of our products.Much as we would like to cooperate with you in expanding sales,we are regretful that we just cannot see our way clear to entertain your counter offer.Our cost of raw materials has risen sharply in the past three months,and it is impossible for us to reduce the price by 20% as you requested.Ours is the best price if you take the design and quality into consideration.As a matter of fact,we have received many orders from various sources including other Chinese customers at our level.If you see any chance to do better,please let us know.On account of a limited supply available at present,we would ask you to act quickly.We assure you that any further enquiries from you will receive our prompt attention.Sincerely yours,Ms Judy JordanChapter 6价格变动1. Discount折价优惠写作案例详解Dear Sirs，Thank you for your letter of April 18,2008.We now have great pleasure in sending you a copy of our pattern-book and a comprehensive export price-list.As you will be able to see from our sample-book,all the leather gloves we manufacture for export are of very high quality and are suitable for your purposes.We reduced costs by 5%.The prices quoted are very competitive.We feel sure that you will find that they compare very favorably with those quoted by other suppliers elsewhere in the world.We expect payment by L/C payable within 90 days of sight and will allow you a cash discount of 10% if you are able to make payment within 1 month of invoice date.We will be able to ship any order you place with us within 30 days of your firm order.We now look forward to hearing from you.Yours faithfully,J.Kistemaker,Manager2. Advice of Price Increase涨价通知写作案例详解Dear Mr.Smith，Thank you for your letter of October 10 for business copiers.We are now sending you our price-list and catalog of the newest types that are under production and we can supply at once from stock.We want to notice you that prices of copier parts and components have gone up steadily since the second half of the year.Though we have tried hard to keep our quotations down,we are afraid the margin for keeping on going like this will not long.Therefore,we suggest that you will let us have your order before further rises in costs,which will lead to a raise in prices very soon unavoidably.Sincerely yours,Cc:President King3. Sample for Price List价目表范例写作案例详解Company Shenzhen QuananTextile Co.,LTDDetailed Address No.187 Nanshan Street,ShenzhenPost Code 5180000ContactZhang XinJob title General ManagerTelephone No. 1Fax No. 0Mobile No.E-mail AddressReference No. 056Date In March,2008Place of origin ChinaArticle No K42Price ＄ 10 per set FOB Shenzhen FOBPort ShenzhenPayment Terms By irrevocable L/C,100%invoice valueMinimum Order Quantity 1000 setsSize 50cm×80cmSupply Ability: 100000 Piece/Pieces per MonthPackageIn woden casesBrand Name “Hua Sheng”table-clothTime of shipment In April,2008Shipping specifications Showing net and gross weights and dimensions of each package Chapter 7样品的订取与发送1. Order Sample订单样本写作案例详解Dear Mr.Randall,Subject: Order for 10,000 Pairs of Sheep Leather GlovesPlease dispatch to us 10,000 pairs of sheep leather gloves as per the terms started in your offer of March 29.Would you please take special care of the quality and the package of this order? The leather should be of the same quality as that used in the sample.We hope that you can pack each pair in an airtight polythene bag,a dozen pairs of gloves in a box and then 20 boxes to a strong seaworthy wooden case.We will order more if the first order with you proves to be satisfactory. We are enclosing our Purchase Confirmation No.2006-399 in duplicate for your signature.Please sign and return one copy for our file.Upon receipt of your confirmation,an L/C will be issued.Sincerely,Li MingImport Director2. Order Letter订购函写作案例详解Please send to the following items to be shipped by way express,and bill us.The order is contingent on receiving the terms of 2%-30 days:1 doz.linen handkerchiefs:＄ 2.40 4 pair tan pigskin gloves:＄ 12.00 2 doz.Assorted Orlon sport shirts:＄ 72.00 5 pair assorted cotton socks:＄ 2.00TOTAL:%88.40.3. Asking for/ Sending/ Declining Sending Samples索取/同意送付/拒绝送付样品Sample 1写作案例详解We are going to produce a trial piece of all wool suiting according to your sample cutting and written instructions.The sample piece is expected to be accomplished and sent to you by the end of next month.Sample 2写作案例详解As the quality of your woolen sample is not in the range of our current exports,we are prepared to arrange a special production.By our experience,slight changes in its composition arenecessary and will only make the goods superior in quality.We shall then show you the trial sample and see if it can be accepted as a quality standard for bulk shipment.Chapter 8订货1. Accepting the Order接受订单Sample 1写作案例详解Dear SirsWe want to say how pleased we were to receive your order of 15 April for Ladies' and Children’s Shoes.We confirm supply of 1,000 pairs of the shoes at the prices stated in your order No.888 and will allow a 5% special discount on your order worth ＄5,000 or above.Our Sales Confirmation No.BC510 in two originals were airmailed to you.Please sign and return on copy of them for our file.It is understood that a letter of credit in our favor covering the said shoes should be opened immediately.We wish to point out that stipulations in the relative L/C must strictly conform to the stated in our Sales Confirmation so as to avoid subsequent amendments.You may rest assured that we will effect shipment without delay on receipt of your letter of credit.We appreciate your cooperation and look forward to receiving from you further orders. Yours truly,Sample 2写作案例详解Dear Mr.Green:I really appreciate your order for 200 Gem-Con Plastique motorcycle tanks.These will be shipped at once.Thanks,too,for the check!Beginning in June,we’re offering a special discount on the Gem-Con line.In addition to the trade discount of 33.3 percent,we’re giving an extra discount of 5%. A lot of our customers are switching to the Plastique tank as a replacement for original metal equipment.They report hearty endorsements from participants in motorcross competition— that the tanks are very lightweight,but extremely tough.We predict you’ll have a similar endorsement!2． Declining the Order 拒绝订单写作案例详解Thank you for your letter of 20th May concerning your special request.From time to time,we do run special jobs,changing materials and colors for one particular order.But we have to consider many factors before we can accept the order.I have spoken to our production manager,and she has done the costing.I am sorry to report that even if we did the job for you at cost,it would come out well above the price you are willing to pay.I am checking with other manufacturers in the area who are working with the materials you want.They may be able to give you the quality you desire at a fair price.I will get back to you in a few days.We appreciate your business and I am glad you asked us about this job.The next time you have a special need,please ask again.We will try our best to do the job for you.If we cannot,we will attempt to find the best company that can.Sample 2写作案例详解Dear Sirs,Thank you for your order No.458 for tin plate sheets which we received today.We regret that,owing to a shortage of stocks we are unable to fill your order.Moreover,our manufacturers can not undertake to entertain your order for future delivery owing to the uncertain availability of raw materials.We will,however,contact you by telex once supply improves.In the meantime,please feel free to send us your specific enquires for other types of metal sheets.You can be assured of our best attention at all times.Yours faithfullyBrowExport Manager3. Pressing for Order催促下订单写作案例详解Dear Peter,Per conversation by phone few days ago,we know your visiting schedule for inspecting crust leather of“big world”.We’ve already checked this leather,couldn’t find loose grain problem as well as softness having been improved than before.We assure that we can finish and deliver this order according to the prescribed time.We hope that you will come to our company ASAP and appreciate very much your kindly corporation. Best regards.WilliamSample 2写作案例详解We understand that you are the agent for the White Tiger ties.We enclose our order for 1,000 dozens of the White Tiger ties.Please note that we need these goods rather urgently as Christmas is drawing near.If you could supply goods timely for seasons,we would make repeated orders,provided prices are reasonable.Payment for the enclosed order will be made on a draft at sight under our letter of credit opened in your favor on receipt of your confirmation that the goods are sent out,and can be delivered before December 1,2000.4. Confirming the order确认订单写作案例详解Mr.Grover Douglass，289 Kont BoulevardAugusta,SC,SC 28197Dear Mr.Douglass:Thank you for your June 4 order.Everything except the kitchen furniture is already on its way to your home. So that you may begin enjoying your new chairs and table immediately,would you please let me know whether you would like Set 400,which comes with an oval table,or Set 400-A,which comes with a rectangular table.In all other respects,the two sets are the same. It is a pleasure to have this opportunity to be at your service.We look forward to meeting your future needs for high-quality home and garden furniture.。
条据书信 基本开户银行出具的资信证明
基本开户银行出具的资信证明银行出具的资信证明银行资信证明我行客户xx公司，法人代表:xx，法定地址xx,特向贵方提供投标人的以下信息供参考：投标人名称：xx公司成立时间：xx年xx月xx日经营方式：xx(例如：民营企业)该公司于xx年xx月xx日在我行开立基本结算账户以来，未曾有违章违规行为，资金运行正常，资信信誉良好，无不良信誉记录。
特此证明中国xx银行xx支行xx年xx月xx日(年月日必须大写遇到0时用O代替银行资信证明业务【功能介绍】我行接受客户申请，在银行记录资料的范围内，通过对客户的资金运动记录及相关信息的收集整理，以对外出具资信证明函件的形式，证明客户信誉状况的一种咨询类中间业务。
我行为客户办理资信证明业务分综合资信证明及单项/多项证明。
综合资信证明指我行对客户在银行的记录资料作较全面的描述并对该客户信誉状况进行评价的证明文件。
单项/多项证明指我行对客户在银行记录的各单项资料与往来情况的证明文件，一般不包括银行对客户的评价。
单项/多项证明主要包括存款余额证明、授信额度证明、抵质押证明及开户证明等。
【业务特点】资信证明业务主要用于客户在商业交往中自我介绍、向合伙、合作单位出具证明、申请营业执照及其他商业非商业用途。
【办理流程】在我行开户立账往来正常、无不良信用记录的企事业单位法人和其他经济组织均可向我行提出申请，并填写资信证明业务申请表并提交相关文件资料。
开具银行资信证明都需要什么手续请银行开具资信证明，一般向开户行申请，提交一份申请书，说明要求，加盖公章，同时提供公司及董事资料。
只要是有权限出具资信证明的银行均可办理，正常情况下3-5个工作日即可办妥。
什么是银行对账单1、银行存款对账单：是银行给企业或个人在银行开办的账户(包括信用卡)核对存款发生额和余额用的。
2、企业之间往来款的对账单：是企业之间发生交易后，钱款支付的往来清单，一般由收款单位发往付款单位，作用有二个一方面确认应收款的正确性，另一方面付款单位也确认了该笔货款的存在，也有催款的意思存在。
资信调查函
咨询函Dear Sirs,Subject: Credit InformationThe under-mentioned firm has recently asked if they could represent us in the marketing of our products in the United States as our sole agent: Friendship International Trade Co. Ltd.250 Royal RoadNew York, NY.30786（说明调查的对象及事由）We would be very grateful if you could let us have some information about the financial and business standing of the above firm.（说明调查什么并表示感谢）Any information that you may give would be treated in strict confidence and we await your early reply. （承若保密以消除对方的后顾之忧）Yours faithfully，SignatureLi GangGeneral ManagerLanguage Notesunder-mentioned 下面提到的副词+过去分词构成的复合形容词做定语More examples:above-mentionednewly-boughtrecently-builtwell-dressedwell-known2. represent v. 代表，代理Our Party represents the masses.Mr. Zhang was chosen to represent our company at the national trade conference.Senator Dole has represented Kansas in the the Senate for over 20 years.They feel that they represent not only black students but all black people.派生词representive(1）n. 代表(2）a. 代表samples represetative of the latest development 代表工业上最新发展的样品3. grateful a. 感谢的We would be very grateful if you could come.类似表示感谢的句型We would be appreciative (indebted,thankful, obliged.She was very appreciative of your help.They should be thankful for your help.I’m indebted to all the people who worked so hard to make the pary a success.I’m much obliged to you for your help.4. standing n. 身份，地位，状况，名望A man of high standing 定位（名望）高的人A student in good standingfinancial and business standing of a company5. treat sth. in strick confidence 对…严加保密6. await vt. formal way of saying “wait for”向银行查询新客户资信情况Dear Sirs,We have received an order for US＄56,500 worth of goods from Atlantic Electronic Co., Ltd, U.S.A. They have given us your bank as a reference.We wish to know if they are good for this amount and in every way trustworthy and reliable.We shall be most grateful for any information you give us. (What is this paragraph for?)We should of course treat as strictly confidential any advice you tell us and be only too pleased to perform a similar service for you should the opportunity ever arise.We enclose a stamped and addressed envelope for your reply. (What is this paragraph for? )Yours faithfully,Language Notes1. order for US＄56,500 worth of goods= order of goods worth of US$56,500worth (1)n. 价值the worth of his friendshipIt is worth much more than I paid for it.(2) prep. 值得You are not worth helping.It is not woth the trouble.(3) sth. worth of …价值…的…2. …given us your bank as a reference 提供贵行作为资信证明人reference (关于品行、能力等的)证明references from sb.’s former coleagues某人以前的同事对某人的证明书Your references show that you are just the man we want.We’ll lend you the money if you bring us a bank’s reference.3. trustworthy a. 值得信任的4. most grateful = very gratefulmost 前不用定冠词most = very5. be only too pleased(happy, glad, satisfied, etc.)= be very pleased (happy, glad, satisfied, etc.)6. perform a service for sb. = provide a service for sb. Or offer a service to sb.7. should the opportunity ever arise.= if the opportunity should ever arise.(1) 虚拟条件句，将助动词should提到主语的前面时连词if可以省略。
农信社个人贷款调查、审查报告模板
河南省农村信用社信贷业务调查报告个人生产经营贷款客户名称：张XX业务品种：个人生产经营贷款金额： XX万元期限： XX个月担保方式：保证、抵押、质押调查单位： XX信用社声明与保证我们在此声明与保证：此报告是按照省联社有关规定，根据借款申请人提供的和本人收集的资料，经我们审慎调查、核实、分析和整理后完成的。
报告全面反映了客户最主要、最基本的信息，我们对报告内容的真实性、准确性、完整性及所作判断的合理性负责。
调查经办人签字：（本人签字不得代签）调查主责任人签字：（本人签字不得代签）年月日（晚于申请日期2-3天）一、客户基本情况（一）申请人情况姓名：性别：民族：年龄：婚姻状况：身份证件类型：身份证件号码：户籍所在地：市（县、区）现居住地：市（县、区）联系方式：（固定电话）（移动电话）邮寄地址：市（县、区）邮编：身体健康状况：□良好且办理医疗保险；□良好但未办理医疗保险；□一般第一学历：□本科（含）以上；□大专；□中专或高中；□初中（含）以下职业：现工作单位：单位性质：□企业；□事业；□其他本人身份：□正式工；□非正式工职务：；职称：；从事该职业年限：年（二）申请人配偶情况（未婚、离婚、单身此项不用表述）姓名：性别：民族：年龄：身份证件类型：身份证件号码：户籍所在地：市（县、区）现居住地：市（县、区）联系方式：（固定电话）（移动电话）身体健康状况：□良好且办理医疗保险；□良好但未办理医疗保险；□一般第一学历：□本科（含）以上；□大专；□中专或高中；□初中（含）以下职业：现工作单位：单位性质：□企业；□事业；□其他本人身份：□正式工；□非正式工职务：；职称：；从事该职业年限：年（三）家庭成员情况（主要指子女、父母等直系关系人）（四）家庭收入支出情况（五）家庭主要资产情况自有房产：申请人自有房产的具体位置、房产证号、共有人、市场预计价值。
（有多套房产的逐套表述，申请人提供有房产证或固定住所证明的应进行对照）其他资产：（六）在金融机构贷款及对外担保情况（截止年月，对照个人信用报告和信贷管理系统查询情况进行表述）贷款情况：对外担保情况：保证担保抵（质）押担保配偶贷款情况：配偶对外担保情况：保证担保抵（质）押担保二、信用等级评定及授信情况（对照客户信用等级评定意见表和授信申报表）信用评定：优秀、良好、一般授信额： XX万元三、借款用途、额度、期限、还款来源（一）农业生产类种植（养殖）品种：总投资：自筹资金：种植（养殖）面积：生长周期：预计每亩产量：销售方式：预计每亩售价：预计项目纯收入：申请贷款金额：申请贷款期限：个月还款方式：□分期还款；□到期还款种植（养殖）项目情况：借款申请人经营的XXX种植（或XX养殖）项目，种植面积XX亩（养殖数量XX只），年种植（养殖）收入XX万元。
银行资信证明种类
银行资信证明种类银行资信证明种类银行资信证明的概念与形式（一）银行资信证明的概念。
资信，即资金和信用。
资信证明，是指证明个人或组织经济实力大小和信用好坏的文件。
可以说，各种荣誉证书、债券、仓单、提单、房地产、知识产权证明，以及其他权利凭证等都可以作为持证者个人或组织的资信证明。
银行资信证明，一般而言，是指商业银行出具的证明个人或组织的资产或信用状况的文件。
从广义上说，由银行出具的存单、票据、信用证、承诺书、担保函等金融票证，以及有关财产的委托书、协议书、意向书等，对持有人都具有资信证明作用。
本文所讨论的主要是指狭义的银行资信证明。
如银行出具的存款证明，就是一种比较典型而常用的资信证明。
（二）银行资信证明的形式。
银行依法出具资信证明是一种民事法律行为。
民事法律行为依法可以采取书面形式、口头形式或者其他形式。
鉴于银行出具资信证明的严肃性和用途要求，一般情况下不宜采用口头形式，主要采用书面形式。
参照我国合同法规定，书面形式包括信函以及可以有形地表现所载内容的电报、电传、传真、电子数据交换和电子邮件等数据电文形式。
目前，数据电文形式的资信证明在国内用的较少。
至于其他形式的银行资信证明也会存在，如20世纪60 年代世界首富石油大王保罗盖帝的一个成功经历，可以形象地告诉我们，银行资信证明的其他表现形式。
1914年盖帝完全像赌徒的冒险，报着希望加入了石油行列。
他自己没有资金，运气似乎一点也不佳，第一年什么也没有捞到。
第二年末有人要把一块地皮出租，他去查看后觉得很有希望，他知道其他独立采油者也对它很感兴趣，他担心自己没有什么钱，更拿不出那些挖到油井的或老石油商人能拿出的那么多钱。
为了掩饰他的拮据，他请求一家银行派出一个代表替他出了价，免得露出他的身份。
出乎意料，这个方式产生了很好的效果。
拍卖时，来了不少极希望得标的独立商人。
他们见到银行里的人也来投标，颇感吃惊和不安。
他们想，如果银行参加拍卖，一定是代表什么巨大的石油公司，愿意出任何的高价租下那块地的。
银行集团客户授信业务操作细则
银行集团客户授信业务操作细则一、综述银行集团客户授信业务是指银行集团为其所属客户（包括客户下属分支机构）提供的综合授信服务，覆盖信用贷款、保函、承诺、信贷风险管理、信用评级等多个方面。
为规范银行集团客户授信业务操作，本文将介绍授信流程、授信审查、授信额度管理、授信查询与管理等方面。
二、授信流程银行集团客户授信流程分为以下步骤：1. 收集资料：客户需提交以下资料：个人或企业基本情况、合同、财务报表、财产清单、担保物清单等。
2. 初审：银行集团初审材料，核实客户基本情况、资产和信用情况等，排除不符合要求的客户。
3. 进行资信调查：金融机构通过自有渠道、外部风险信息查询平台等方式对客户风险情况进行较为全面的调查；4. 综合评价：针对客户调查结果，综合考虑客户的信用状况、资产负债情况、经营状况、市场前景等多个因素进行评价，以便审批部门进行统一的信贷授信决策。
5. 决定授信额度：确定授信额度，审核部门按照标准程序拟定审批方案、记录审批意见。
6. 签约：如横跨多个金融机构域，需对各方签署授信和担保协议。
7. 放款：资源整合、风险控制等环节完成后向客户发放授信资金。
三、授信审查客户提交材料后，银行集团要进行细致的审查，包括以下内容：1. 客户基本信息：包括客户名称、注册资本、经营地址、业务性质、法定代表人、实际控制人等。
2. 财务状况：包括资产负债表、利润表、现金流量表等财务报表。
3. 还款能力：通过关注流动资产的质量、构成、流动性，提高授信质量，加强对资金流向的动态把控。
4. 风险偏好和管理方式：银行集团需了解客户当前和未来的经营状况、营销战略、核心竞争力等，以便从管理方式、贷款授信额度和风险状况等多个维度，全面了解客户风险状况及其可控范围。
5. 产品和服务：银行集团需要全面考察客户的产品、服务和管理能力，对客户是否适合进行授信担保作出充分的评估，包括收入来源、市场前景等方面。
6. 相关企业及主要负责人的经营资历。
个人融资委托服务协议(3篇)
个人融资委托服务协议（3篇）个人融资委托服务协议（精选3篇）个人融资委托服务协议篇1个人融资委托服务协议委托人：身份证号码：住址：电话：受托人：____公司住所地：法定代表人：组织机构代码：电话：甲、乙双方本着平等协商，互惠互利的原则，依据相关法律法规，在平等自愿、协商一致的基础上，达成如下协议，遵照执行。
一、委托事项：甲方因需要，意向融资借款人民币大写元，为实现融资，甲方委托乙方的服务事项包括：1、寻找推介资金出借方，资金出借方包括银行、小额贷款公司、典当行、担保公司和个人等一个或多个出借方;2、收集申请融资借款所需资料，策划的融资方案;3、以甲方名义与资金出借方沟通借款条件、利息和费用等相关事项;4、促成委托人与出借人达成借款协议、签订借款合同，协助办理借款所需的担保、抵押、质押、保险、公证及评估等法律手续。
二、双方对服务事项的要求：委托人就委托服务事项对受托人的要求：1、出借人的出借款金额不少于人民币大写元，出借期限不少于天;2、出借人每30天的借款利率不高于;3、负责提供融资借款协商场所、合同起草及文印服务，协助借款担保、公证、保险等法律手续的办理;受托人就委托服务事项对委托人的要求：1、甲方必须提供真实、合法、有效的身份证件、详细固定住址及通讯联方式、电话等身份信息资料，保证能亲自签署借款文件、办理借款手续。
2、甲方必须向乙方真实提供和陈述资信情况、借款用途、担保方式等。
3、甲方应向乙方提供申请融资所需的相关资料、文件、凭证、权属证书，并保证其提供资料、文件、凭证或权属证书的真实性、完整性、合法性。
4、甲方必须配合乙方为促成借款协商、签订借款合同、办理借款担保而实施的行为，应配合乙方与资金出借方进行必要的资信调查，不得推迟或拒绝。
5、甲方据实支付办理借款担保、抵押、质押、保险、公证及评估等法律手续的费用三、咨询服务费用：1、委托人签订本合同时应先行向受托人支付履行本合同保证金人民币大写___元，受托人促成受托人与出借人签订借款合同后，担保金抵作咨询服务费，委托事项未促成则全额无息退还甲方;因甲方违约而导致委托事项终止，保证金不予退还。
银行资信证明种类
银行资信证明种类银行资信证明种类银行资信证明的概念与形式(一)银行资信证明的概念。
资信，即资金和信用。
资信证明，是指证明个人或组织经济实力大小和信用好坏的文件。
可以说，各种荣誉证书、债券、仓单、提单、房地产、知识产权证明，以及其他权利凭证等都可以作为持证者个人或组织的资信证明。
银行资信证明，一般而言，是指商业银行出具的证明个人或组织的资产或信用状况的文件。
从广义上说，由银行出具的存单、票据、信用证、承诺书、担保函等金融票证，以及有关财产的委托书、协议书、意向书等，对持有人都具有资信证明作用。
本文所讨论的主要是指狭义的银行资信证明。
如银行出具的存款证明，就是一种比较典型而常用的资信证明。
(二)银行资信证明的形式。
银行依法出具资信证明是一种民事法律行为。
民事法律行为依法可以采取书面形式、口头形式或者其他形式。
鉴于银行出具资信证明的严肃性和用途要求，一般情况下不宜采用口头形式，主要采用书面形式。
参照我国合同法规定，书面形式包括信函以及可以有形地表现所载内容的电报、电传、传真、电子数据交换和电子邮件等数据电文形式。
目前，数据电文形式的资信证明在国内用的较少。
至于其他形式的银行资信证明也会存在，如20世纪60年代世界首富石油大王保罗盖帝的一个成功经历，可以形象地告诉我们，银行资信证明的其他表现形式。
1914年盖帝完全像赌徒的冒险，报着希望加入了石油行列。
他自己没有资金，运气似乎一点也不佳，第一年什么也没有捞到。
第二年末有人要把一块地皮出租，他去查看后觉得很有希望，他知道其他独立采油者也对它很感兴趣，他担心自己没有什么钱，更拿不出那些挖到油井的或老石油商人能拿出的那么多钱。
为了掩饰他的拮据，他请求一家银行派出一个代表替他出了价，免得露出他的身份。
出乎意料，这个方式产生了很好的效果。
拍卖时，来了不少极希望得标的独立商人。
他们见到银行里的人也来投标，颇感吃惊和不安。
他们想，如果银行参加拍卖，一定是代表什么巨大的石油公司，愿意出任何的高价租下那块地的。
客户信用账期管理制度
客户信用账期管理制度一、综述客户信用账期管理制度是企业经营管理中非常重要的一项制度，它直接影响到企业的现金流和资金回笼速度。
客户信用账期管理制度是依据市场环境、企业自身实际情况和相关法规规定制定的。
企业应建立健全的客户信用账期管理制度，合理设置账期，严格筛选合作客户，加强风险管控，确保企业的经营利润和资金安全。
二、账期设置1. 信用账期的设置应综合考虑客户的实际支付能力、市场竞争力和行业标准。
一般情况下，账期设置为30至90天。
2. 针对大型客户或长期合作客户，可以适当延长账期，但需要进行详细的风险评估和审批程序，并建立相关的保证金或风险应对措施。
三、客户资信调查1. 在与新客户合作前，应进行严格的资信调查，了解客户的经营状况、市场信誉和支付能力。
可以通过财务报表、银行信用记录、供应商反馈等多种渠道进行调查。
2. 对长期合作客户也要定期进行资信调查，及时发现风险隐患，制定应对措施。
四、合同管理1. 与客户合作前，应建立完善的合同管理制度，明确双方权利和义务，包括账期、付款方式、违约责任等内容。
保障企业的合法权益。
2. 对于大额订单或长期合作项目，应签订正式的合同，并在其中包括客户的信用账期和付款方式等相关内容。
五、应收款管理1. 建立健全的应收款管理制度，确保应收款及时、准确地记录和跟踪。
对超过账期仍未收到款项的客户，应及时进行催款。
2. 设置应收账款催收流程，包括电话催收、书面催收、申请法律途径等。
对于拖欠款项的客户，要及时采取相应措施，防止欠款不良。
六、风险控制1. 与客户合作前应进行风险评估和控制，对客户的行业、地区、经营状况等进行全面分析，并建立客户风险等级分类。
2. 对于高风险客户，要多加注意，并设置更为严格的账期和付款条件。
同时，逐步调整与其合作的金额和频率。
七、催收管理1. 对于超过账期未还款的客户，应及时进行催收。
首先通过电话、短信等方式进行友好提醒，强调还款意愿。
2. 对于拖欠款项较多的客户，要采取更为严格的催收措施，包括发律师函、申请法律途径、申请法院强制执行等方式。
外贸函电资信调查函
资信调查（Status Inquiry）例：敬启者：最近我们收到了ABC公司的来信，在信中作为担保银行将你们的名称和地址告诉了我方，ABC公司想与我方建立业务关系，但我们与他们并不熟悉，我们想你方能够给我们提供有关的信誉和财政状况的信息。
对你方提供的任何信息我方会严格保密。
提前对你方的合作表示感谢。
Dear Sirs,Recently we have received a letter from ABC CO. who has given your name and address as a bank reference. ABC CO. wants to built business with us, but we are not acquainted with them . We wonder if you could obtain for us information about their financial and credit standing.We can assure you that any information you may give us will be treated in absolute confidence.Thank you in advance for your cooperation.Yours faithfully,(肯定的回复)敬启者:我们已经收到你方5月10日的来信，现将你方询问的信息告诉你方，ABC公司是当地最大的几家企业之一，在贸易圈享有较高盛誉，椐我方所知，他们的每笔交易都及时、迅速，从我方看来，与他们建立业务关系应该不会有太大的风险。
上述信息保密并且我方不为此承担任何责任。
Dear Sirs,We have received your letter of May 10, and we are sending you the information you inquired about ABC Co. is one of the largest companies in that area. They are enjoying a good reputation in the business world.As far as our information goes, they are prompt and punctual in all their transactions. In our opinion,you may run no risk in doing business with them.The information is confidential and without any responsibility on our part.Yours faithfully,（否定的回复）敬启者：作为对你方5月10日来信的回复，我们告知你方下列信息。
条据书信基本开户银行出具的资信证明
条据书信基本开户银⾏出具的资信证明基本开户银⾏出具的资信证明银⾏出具的资信证明银⾏资信证明我⾏客户XX公司，法⼈代表:XX,法定地址XX,特向贵⽅提供投标⼈的以下信息供参考：投标⼈名称：XX公司成⽴时间：XX年XX⽉XX⽇经营⽅式：XX（例如：民营企业）该公司于XX年XX⽉XX⽇在我⾏开⽴基本结算账户以来，未曾有违章违规⾏为，资⾦运⾏正常，资信信誉良好，⽆不良信誉记录。
特此证明中国XX银⾏XX⽀⾏XX年XX⽉XX⽇（年⽉⽇必须⼤写遇到0时⽤0代替银⾏资信证明业务【功能介绍】我⾏接受客户中请，在银⾏记录资料的范围内，通过对客户的资⾦运动记录及相关信息的收集整理，以对外出具资信证明函件的形式，证明客户信誉状况的⼀种咨询类中间业务。
我⾏为客户办理资信证明业务分综合资信证明及单项/多项证明。
综合资信证明指我⾏对客户在银⾏的记录资料作较全⾯的描述并对该客户信誉状况进⾏评价的证明⽂件。
单项/多项证明指我⾏对客户在银⾏记录的各单项资料与往来情况的证明⽂件，⼀般不包扌⾆银⾏对客户的评价。
单项/多项证明主要包括存款余额证明、授信额度证明、抵质押证明及开户证明等。
【业务特点】资信证明业务主要⽤于客户在商业交往中⾃我介绍、向合伙、合作单位出具证明、申请营业执照及其他商业⾮商业⽤途。
【办理流程】在我⾏开户⽴账往来正常、⽆不良信⽤记录的企事业单位法⼈和其他经济组织均可向我⾏提出申请，并填写资信证明业务申请表并提交相关⽂件资料。
开具银⾏资信证明都需要什么⼿续请银⾏开具资信证明，⼀般向开户⾏申请，提交⼀份申请书，说明要求，加盖公章，同时提供公司及董事资料。
只要是有权限出具资信证明的银⾏均可办理，正常情况下3-5个⼯作⽇即可办妥。
什么是银⾏对账单1、银⾏存款对账单：是银⾏给企业或个⼈在银⾏开办的账户（包括信⽤卡）核对存款发⽣额和余额⽤的。
2、企业之间往来款的对账单：是企业之间发⽣交易后，钱款⽀付的往来清单，⼀般由收款单位发往付款单位，作⽤有⼆个⼀⽅⽽确认应收款的正确性，另⼀⽅⾯付款单位也确认了该笔货款的存在，也有催款的意思存在。
银行资信证明 (8)
银行资信证明随着现代金融的不断发展和客户对金融服务的不断需求，银行资信证明（Bank Credit Reference）已经成为了各种金融活动中不可或缺的一部分。
一份良好的银行资信证明可以给客户提供强有力的支持，而对于银行来说，也可以有效的管理风险，增加收益，提高市场竞争力。
本文将从以下三个方面对银行资信证明做出详细阐述：一、什么是银行资信证明；二、银行资信证明的作用；三、银行资信证明的编制。
一、什么是银行资信证明？银行资信证明，简称“资信证明”，是银行为客户提供的一种余额、信贷、交货期誓等用于验证客户信用状况和还款能力的凭证。
该凭证内容通常包括客户在银行的账户余额、信贷额度、当期负债和到期日期等信息。
当前，资信证明在各种金融活动中的作用越来越重要，例如贸易融资、银行担保、进出口付款和保函等业务活动都需要使用到资信证明。
二、银行资信证明的作用1. 提供客户对外展示实力的机会随着市场竞争越来越激烈，客户对于持有一份良好的资信证明越来越重视。
银行资信证明可以帮助客户在激烈的市场中展示自己的实力，证明自己的信用良好。
2. 降低银行风险，提高市场竞争力在金融业务发展的今天，银行扮演着金融中介的角色，为各类客户提供多样化的金融服务。
准确评估客户的信用状况和还款能力，是银行管理风险的一个重要环节。
通过对客户信用状况进行调查并编制资信证明，银行可以降低不良资产风险，提高市场竞争力。
3. 加强与客户的合作与沟通编制资信证明也是银行加强与客户合作和沟通的最佳手段之一。
银行可以通过资信调查了解客户的真实情况，然后向客户提供一些有关金融管理的建议，加强两者之间的互动和合作。
三、银行资信证明的编制银行编制资信证明需要遵循以下步骤：1. 首先，银行需要采取适当的方法进行信用调查，了解客户的经营情况和财务状况。
2. 掌握客户的账户信息，包括账户余额、负债和交货期等。
3. 检查客户的信用记录，包括有关信用日志、对外担保记录和还款能力等。
银行账户确认函核实您的账户贷款利率计算方式
银行账户确认函核实您的账户贷款利率计算
方式
尊敬的客户，
感谢您一直以来对我们银行的支持与信任。
为了确保账户信息的准
确性，并提供更好的贷款服务，本行将进行账户确认函核实。
请您核
实以下内容，并回复本函确认，以确保我们能为您提供正确的贷款利
率计算方式。
以下为您的账户信息：
账户姓名：
账户号码：
贷款类型：
贷款额度：
贷款利率计算方式：
请您核实以上信息，并在确认函下方签字，并以以下方式回复我们：
1. 网上银行：登录您的网上银行账户，在消息中心回复该确认函。
2. 邮件回复：将签字确认函扫描件发送至我们的客户服务邮箱：
****************。
3. 致电客户服务热线：拨打我们的客户服务热线：400-123-4567，
并按照提示通过电话确认您的账户信息。
请您在收到本函的三个工作日内回复，以确保我们能及时更新您的账户信息。
如果我们未能在规定时间内收到您的回复，将默认您已经确认并核实了以上账户信息。
感谢您的合作与支持！
顺祝商祺！
您诚挚的银行。
个 人 信 贷 客 户 资 信 调 查 函
附件2：
个人信贷客户资信调查函
贷款申请人所在单位人事劳资部门：
贵单位同志，已向我行申请个人贷款。
为更顺利地受理贷款申请，烦请贵单位提供申请人的有关资信情况。
对贵单位提供的资料我行将予以保密，多谢合作。
中国建设银行股份有限公司北京支行
调查内容：
（一）申请人职务职称文化程度；（二）申请人在贵单位工作年限：年，连续工龄年；（三）申请人实际月综合收入（税后）元（大写）；（四）申请人代发工资帐户的账号(建行代发) ；
（五）申请人身份证号码；
（六）申请人单位电话家庭电话手机电话；（七）申请人家庭地址；（八）申请人人事劳资关系
□长期□合同制签订的合同期限年
（九）申请人是否有违规违纪行为处分
（十）贵单位性质
□国家机关□事业单位□全民企业□集体企业
□私营企业□合资企业□独资企业□其他类型
(十一) 单位人事劳资部门联系电话：
单位经办人员签字：
单位公章或人事劳资部门盖章
年月日
特别提示：该资信调查函加盖单位公章或单位人事劳资部门印章后生效，出具单位对资信调查函信息的完整性、准确性负责。
英文客户资信调查函范例
英文客户资信调查函范例1. Consulting Letter 咨询函【写作案例】Dear Sir or Madam,The under-mentioned firm has recently asked if they could represent us in the marketing of our products in the United States as our sole agent:Delta Company, Ltd1258 Huston AvenueNew York,NY10051It will be greatly appreciated if you could provide us some information about the financial and business standing of the above firm. Any information you give will be treated in strict confidence.Look forward to your early reply.Sincerely yours,Thomas2. Survey the New Opener from the Bark 向银行查询新客户资信情况【写作案例】Dear Sir or Madam,We have received an order for US＄80,000 worth of goods from Delta Co.Ltd,1258 Huston Avenue, New York, U.S.A., who has given your bank for reference. Could you please tell us if they are good for this amount? Are they trustworthy and reliable? We shall be most grateful for any information you give.Any advice you give us will be kept strictly confidential. We are also pleased to perform a similar service for you should the opportunity come.A stamped and addressed envelope has been included for your reply. Thank you in advance.Sincerely yours,Thomas3. 向客户查询信用及经营情况Inq uiring New Customer’s Credit Information from Customers【写作案例】Dear Mr. Smith:We have received an important order from Delta Co.Ltd,1258 Huston Avenue, New York, U.S.A., who has given us your name for reference. We would be much obliged if you could give us some information concerning their business status.Any information you give will be highly appreciated and kept in strict confidence. We shall be pleased to do the same if you should need our services at this end.Yours SincerelyThomas4. 带附表的资信调查函Credit Survey Letter with Attachment【写作案例】Dear Sir or Madam,We have received a sudden order from the Delta Company,Ltd,1258 Huston Avenue,New York,NY 10051,who gives us your name as a reference. We shall appreciate it if you will spend a couple of minutes informing us of your own experiences with the firm by answering the attached questionnaire and returning it to us in the enclosed envelope.Any information you may give us will be treated as strictly confidential.Thank you for your help.Very truly yours,Thomas(Attached Questionnaire)(1) How long have you been in business relations with the firm?year(s) month(s)(2) What credit limit have you placed on their account?USD(3) How promptly are terms met? (choose one of the following)Very promptly Fairly promptly Slowly(4) What amount is currently outstanding?USD5. 资信调查有利回函Favorable Letter of Credit Information【写作案例】Dear Thomas,In reply to your inquiry of March 16th,the firm you inquired about enjoys the fullest respect and unquestionable confidence in the business world.They have always provided in-time delivery, moderate prices and superior quality. I am sure that if you open an account with them, you will find them most straightforward people. Personally, I should have no hesitation in according them a credit of US dollars. However, this is without obligation on my part.Hope this will help you in making a decision.Sincerely yours,6. 资信调查不利回函Unfavorable Letter of Credit Information【写作案例】Dear Thomas,We have received your letter of August 8th,concerning the credit standing of Delta in New York. In the past three years, the company has experienced a serious difficulty in finance and delayed in executing their normal payment. It seems to us that the company’s difficulties are due to bad management and in particular to overtrading.Therefore, we would advise you to pay most careful attention to any business relations with them. However, this is our personal opinion and we wish you would make further inquiries on your part.Yours sincerely7. 表明无法提供确切意见而致歉【写作案例】Dear Thomas,We regret our inability to let you know any information concerning the firm in question in your letter of June 6.It is true that we had business with them several years ago,but the amount of business was not so large as to supply any responsible opinion on its business capability and credit standing.Please make further status inquiries from other inquiry agencies.Truly yours8. 请求老客户作为资信证人Asking for Credit Information from Old Customers【写作案例】Dear Charlie，Thank you for your letter of August 2,telling us that the equipment you bought from us is running well.As you know,in our line of business,clients always shop around and look for references before they order. Would you please use your experience with us as a reference when our future clients call you?Thank you for your kind words in advance.Look forward to our future cooperation. Best,9. 要求对方提供资信资料Asking for Credit Information【写作案例】Dear Mr.Bean,Thanks for your order and inquiry on August 1st. Our company has been dealing with electronic equipment for over 20 years. We are confident in offering what you need and providing you the best service.Since it is the first time we contact,we would be highly appreciated if you could supply either the usual trade references,or the name of a bank to which we may refer. We are also glad to provide you the same if needed.We sincerely hope this will be the beginning of a long and pleasant business cooperation. We shall do our best to make it so.Sincerely yours,Thomas10. 同意资信要求Accepting the Consulting Requirement【写作案例】Dear ThomasThanks for your reply of August 2nd.Concerning your request,we refer you to Falcon Machine Tools Co.,Ltd.,Shanghai and The Chase Bank of New York,who will be pleased to give you the information about our financial standing and creditability of business.If there is any other information we can provide,we would be happy to do so.Sincerely yours,。
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个人信贷客户资信调查函
贷款申请人所在单位人事劳资部门：
贵单位同志，已向我行申请个人贷款。
为更顺利地受理贷款申请，烦请贵单位提供申请人的有关资信情况。
对贵单位提供的资料我行将予以保密，多谢合作。
中国建设银行股份有限公司北京支行调查内容：
（一）申请人职务职称文化程度；
（二）申请人在贵单位工作年限：年，连续工龄年；
（三）申请人实际月综合收入（税后）元（大写）；（四）申请人身份证号码；
（五）申请人单位电话家庭电话手机电话；
（六）申请人家庭地址；
（七）申请人单位地址；
（八）申请人人事劳资关系
□长期□合同制签订的合同期限年
（九）申请人是否有违规违纪行为处分
（十）贵单位性质
□国家机关□事业单位□全民企业□集体企业
□私营企业□合资企业□独资企业□其他类型
(十一) 单位人事劳资部门联系电话（座机）：
单位经办人员签字：
单位公章或人事劳资部门盖章
年月日
特别提示：该资信调查函加盖单位公章或单位人事劳资部门印章后生效，出具单位对资信调查函信息的完整性、准确性负责。