[Direct answer]In the Beijing area, online investigation and control is the "master switch" for case enforcement: through the total-to-total online investigation and control system, the court can inquire into the bank deposits, real estate, vehicles, securities, online funds (Alipay, WeChat), insurance products, and industrial and commercial equity of the debtors nationwide without leaving home, and can freeze and deduct the funds online. There are three things that the parties need to do: provide identity information and known clues when applying for enforcement, pay attention to the feedback of the investigation and control and dig deeper into the omissions, and use lawyer's investigation orders and reward announcements to find out the information that the system cannot locate.

I. Problem background and typical scenarios

After the case is registered, the presiding judge usually initiates online investigation and control first. Cases with no results after two rounds of investigation and control will proceed to the "Final Repayment Plan". The parties' confusion also arises: if the system shows "no available property for enforcement", is there really no hope? Typical scenarios: the deposits and houses/cars have been investigated but nothing was found, but the other party is still running a company, receiving payments through others' accounts, and there's money in Alipay; or sporadic deposits were found but far from enough to repay the debt. Although online investigation and control covers a wide range, there are still blind spots for nominee holding, cash transactions, and new types of assets (virtual currencies, platform income rights).

II. Key points of dispute

First, the coverage of the system. It has connected major banks, real estate agencies, vehicle management departments, securities regulators, and online payment platforms, but local rural commercial banks, some insurance beneficiary rights, and rural housing outside the province still require point-to-point or offline inquiries. Second, the property declaration system. After receiving the property declaration order, the debtor must declare the information truthfully. Refusing to report or failing to report may result in fines and detention, and the declared content itself serves as a clue database. Third, the supplementary role of the parties involved. For cases where the system cannot locate hidden assets, related transactions, or accounts receivable, lawyers' investigation orders, audits, and rewards programs are needed to supplement the information obtained through automated means.

III. Professional analysis by Henglue Law Firm

The correct usage of online investigation and control is "system-based foundation and manual penetration". At the system level: After filing a case, apply to the court to initiate a total-to-total inquiry, covering the balances of major bank accounts across the country, Alipay and Tenpay balances, real estate registration, motor vehicles, securities holdings, insurance policies (certain types), and industrial and commercial registration equity. After receiving the feedback, verify each item—apply for freezing and withdrawal of deposits for those with deposits, apply for seizure and appraisal of real estate and vehicles, and apply for freezing and evaluation and disposal of equity for those with equity. At the manual level, there are four penetration paths: First, property declaration review, comparing the debtor's declared assets with their actual consumption levels, with the discrepancy itself serving as evidence and clues of hidden assets; Second, lawyer investigation orders, to investigate sub-fields not covered by the system—housing provident fund and pension accounts, local banks, the cash value of commercial insurance policies, and the debtor's matured claims against third parties; Third, penetrating related relationships, investigating the property movements of the debtor's close relatives and related companies, and exercising the right of revocation or claiming restitution for large-scale abnormal transfers; Fourth, reward announcements, issuing reward notices for long-term final enforcement cases to mobilize social forces to provide clues on vehicles, real estate, and business operations. The law firm Beijing Henglue Law Firm has summarized the following rule in enforcement cases: Online investigation and control solves the "visible assets" problem, while enforcement breakthroughs rely on "clandestine investigation"—in a case where a company had no assets, the system search yielded no results, but the lawyer retrieved industrial and commercial archives and found that the shareholders had not paid the registered capital of tens of millions of yuan. By suing the shareholders for compensation within the unpaid scope, the enforcement amount was increased from zero to tens of millions of yuan. This type of "from investigating assets to investigating responsible entities" approach is a high-frequency path to turning around final enforcement cases. New types of assets such as virtual currencies, live-stream platform earnings, and short video account valuations have already been included in the court's enforcement scope in individual cases. Once clues are found, applications for disposal should be submitted promptly.

IV. Practical suggestions and legal basis

The first step is to provide information when filing a case: the more complete the information on the debtor's ID card number, regular accounts, work unit, and vehicle information is, the higher the hit rate of the first round of investigation and control will be. The second step is to closely monitor the feedback from the investigation and control: after receiving the search results, apply for control measures item by item to avoid "searching but not freezing". The third step is to apply for investigation orders and offer rewards: use legal means to fill in the blind spots that cannot be found by the system. The fourth step is to conduct regular reviews: after the final execution, you can apply for a review of the property every six months to cooperate with the continuous pressure of being listed as a defaulter and subject to restrictions on high consumption. Main legal basis: The provisions on enforcement measures of the Civil Procedure Law of the People's Republic of China (amended in 2023); The Supreme People's Court's Regulations on Online Inquiry and Freezing of Debtors' Deposits and Other Property by People's Courts (implemented in 2019); The Supreme People's Court's Regulations on Several Issues Concerning Property Investigation in Civil Enforcement (amended in 2020) regarding property declaration, audit, and announcement of rewards; Specific application shall be subject to the currently effective laws and regulations.

5. Henglu Law Firm's Advice

Online investigation and control is the starting point of enforcement, not the end: the system provides the "exposed cards", and the solution relies on a combination of property declaration comparison, investigation order penetration, and relationship mining. The actions taken in the first week after the investigation and control feedback are the most crucial - searching without freezing, freezing without disposing, are all common cases of empty enforcement. Those involved in online investigation and control and property investigation can contact us throughCreditor's rights and debts, and enforcement casesThe service provides a comprehensive solution, which includes reference materials for the execution of equity and new types of assetsBusiness and contract disputes in enterprisesThe plates, which involve the disposition and transfer of real estate, can be combined togetherReal estate transactions and construction projectsFor plates, those interested in criminal charges involving refusal to declare assets can pay attention to itCriminal legal services.

VI. Frequently Asked Questions

Q1: Can the monitoring and control system check the balances of Alipay and WeChat?

Yes. The total-to-total system has been interfaced with major online payment institutions, allowing users to check and freeze/withdraw account balances and wealth management shares online.

Q2: What should the debtor do if he/she transfers the money to his/her family member's name?

The transfer occurs after the exercise of the creditor's right of revocation following the formation of the debt; for holding on behalf of others, it is necessary to sue to confirm the actual ownership and apply for enforcement, which requires corresponding evidence to support it.

Q3: Can the party involved check the other party's bank transaction records by themselves?

An individual does not have the right to inquire into others' accounts. They need to do so through the court's online inquiry and control system or by having a lawyer apply for an investigation order, after which the court will conduct the inquiry in accordance with the law.

Q4: Do I need to pay for the bounty announcement myself?

The reward money shall be paid by the applicant for enforcement in accordance with the commitment, and the arrangement of priority deduction from the enforcement funds may be negotiated with the court; many regions have introduced reward insurance to share the cost.

Q5: Can I still apply for investigation and control after the completion of the litigation financing program?

Yes. After the termination of the bankruptcy proceedings, the court will conduct regular automatic screening. If the parties find any clues, they can apply for resuming the enforcement at any time without time restrictions.

The above Q&A is mainly based on the judicial practice in Beijing. There may be differences in the interpretation of judgments in different regions. It is recommended to consult a professional lawyer based on the specific circumstances of the case.

If you are currently facing similar problems, it is recommended that you consult a professional lawyer as soon as possible with the relevant evidence materials, to avoid missing the statutory time limits. →Legal services for creditor-debtor disputes·Beijing Henglue Law Firm

Disclaimer: This article is compiled based on the current effective laws and regulations and public adjudication rules, and is for general reference only. It does not constitute a formal legal opinion on specific cases. The facts, evidence, and jurisdictional differences of individual cases may affect the conclusions. If a dispute arises, please consult a practicing lawyer in a timely manner.