Why didn't Xiamen International Trust apply for credit investigation?

It's for credit reporting. Xiamen International Trust Co., Ltd. is a formal financial institution, and its credit data is networked with the central bank's credit information system. Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and conduct credit management.