为什么银行、投资人都在偷偷用企查查？揭秘财税数据……

Core Insights - The article emphasizes the importance of financial and tax data as the ultimate key to understanding a company's true operational status, which is crucial for investors and banks in assessing creditworthiness and investment opportunities [1][2]. Group 1: Importance of Financial and Tax Data - Financial and tax data serve as a critical tool for revealing the real financial health of a business, as they document every financial transaction and asset change [1]. - The case of a tea brand illustrates how financial statements can be misleading, while tax filings and invoice flows provide a more accurate picture of a company's operations [2][3]. - The article highlights that discrepancies in tax compliance can expose hidden risks within a company's supply chain [4]. Group 2: The Role of Qichacha - Qichacha provides a "financial credit report" that connects various financial data points, allowing for a comprehensive view of a company's economic activities [6]. - The platform digs deeper into hidden information, analyzing tax discrepancies, funding sources, and the network of related parties to identify potential risks [7][8][9]. - Qichacha's approach is likened to a CT scan for businesses, revealing underlying issues that may not be visible on the surface [10]. Group 3: Practical Applications - Banks have reported a 27% decrease in loan default rates for small enterprises after integrating Qichacha's financial API, shifting focus from collateral to financial health [13]. - Private equity firms have utilized Qichacha's reports to uncover fraudulent claims, saving significant investment amounts [13]. - Companies are using these reports for self-assessment, allowing them to adjust strategies based on financial health indicators [14]. Group 4: Transformation of Business Practices - The transparency brought by financial data is reshaping business norms, ending the era where companies could thrive on tax evasion and financial manipulation [17]. - Trust in business relationships is shifting from suspicion to data verification, reducing the cost of trust [18]. - The power of risk pricing is moving towards a model that prioritizes cash flow and tax compliance over speculative investments [19]. Group 5: Future Implications - Qichacha aims to democratize data access, promoting fairness in business practices and leveling the playing field for all market participants [20]. - The evolution from using business registration data to financial data marks a significant shift in how companies are evaluated, with a focus on transparency and accountability [21].