银行风控部门如何识别“包装”企业

Core Viewpoint - The article discusses how banks' risk control departments can identify "packaged" companies that falsify operational data to obtain loans, highlighting the legal risks involved and the necessary steps for thorough credit examination and investigation [1][2][3][4]. Group 1: Identification of "Packaged" Companies - "Packaged" companies are those that fabricate operational data, addresses, and employee information to apply for loans [1]. - There are two main scenarios for "packaging": one where the client manager is unaware of the falsification, and another where there is collusion between the bank's client manager and the company [1]. Group 2: Steps for Risk Control Departments - Customer source examination is crucial; risk control personnel should not rely solely on informal introductions and must investigate the relationship between the company and the introducer [1]. - Verification of the company's operational authenticity involves assessing the industry experience of the actual controller, confirming the legitimacy of the business premises, and conducting surprise visits to gather real insights [2][3]. - Income verification should include cross-checking financial statements, bank transactions, and tax filings, while also identifying and blacklisting related companies involved in "packaging" [3]. - Employee scale verification is necessary to ensure that reported profits align with the actual number of employees, requiring checks on payroll records and social security contributions [3]. - Logical validation involves analyzing inconsistencies in statements from clients or managers and hypothesizing the existence of "packaging" to seek supporting evidence [4].