Definition and function of credit reporting of 1. enterprises

Enterprise credit report, also known as enterprise credit report, enterprise credit investigation report, is a kind of credit product. The content of the report is mainly to list credit information that can judge the ability and willingness of enterprises to perform contracts and repay debts. The writer of the report makes a clear analysis of the information and gives certain reference suggestions for commercial transactions. Sometimes the reports of different credit reporting companies will also give their own "risk scores" (different expressions).

The main functions of enterprise credit reporting are:

To provide enterprises with the basis of credit management and credit promotion, to help enterprises optimize credit structure, improve credit rating, reduce financing costs and enhance market competitiveness;

Provide credit evaluation and credit guarantee for the cooperation between enterprises and other business entities, help enterprises choose suitable partners, avoid credit risks, promote credit transactions, and achieve credit win-win;

Provide credit supervision and credit services to the government and society, help the government establish and improve the credit system, promote credit legislation and credit law enforcement, improve the level of credit governance, and create a good credit environment.

The form and structure of the credit report of the 2. enterprise.

Enterprise credit reports are generally in the form of written reports, or electronic or oral reports can be provided according to customer needs. The structure of the report generally includes the following sections:

Report cover: including the report title, report number, report date, report object, report author, report user and other basic information;

Report directory: list the various sections and page numbers of the report for easy access;

Summary of the report: an overview of the main contents, conclusions and recommendations of the report, highlighting the focus and value of the report;

Report body: According to a certain logical order, the basic information, credit information, credit analysis, credit evaluation, credit advice, etc. of the report object are introduced in detail, which is the core part of the report;

Appendix to the report: provide the data, information, evidence, references, etc. on which the report is based, and enhance the credibility and authority of the report;

Report notes: explain the validity period, scope of use, disclaimer, contact information, etc. of the report, and standardize the use and management of the report.

The content and characteristics of the credit report of 3. enterprises.

The contents of the enterprise credit report mainly include the following aspects:

Basic information: including the name, address, telephone number, email address, website address, legal representative, registered capital, date of establishment, business scope, organizational form, industry classification, number of employees, main products or services, etc., reflecting the basic situation and scale of the enterprise;

Credit information: including the financial status, operating status, performance status, debt repayment status, integrity status, social responsibility status, etc., reflecting the credit status and risk level of the enterprise;

Credit analysis: systematic analysis of the credit information of enterprises, the use of credit assessment models, credit rating methods, credit risk indicators, etc., to quantify and qualitatively evaluate the credit ability and credit willingness of enterprises, revealing the credit advantages and credit problems of enterprises;

Credit evaluation: according to the results of credit analysis, a comprehensive evaluation of the credit rating and credit risk of the enterprise, giving credit rating and credit comments, indicating the credit confidence and credit attitude of the enterprise;

Credit advice: according to the results of credit evaluation, some targeted and operable suggestions are put forward for the credit management and credit promotion of enterprises, and some reasonable suggestions are put forward for the cooperation between enterprises and other business entities, so as to provide some reference and guidance for the credit development and credit transactions of enterprises.

The characteristics of enterprise credit reporting are mainly as follows:

Objectivity: the contents and conclusions of the report are based on objective data and information, free from subjective bias and emotional influence, to ensure the authenticity and fairness of the report;

Comprehensiveness: the contents and conclusions of the report are from multiple angles and levels, to conduct a comprehensive investigation and evaluation of the credit status and risk level of the enterprise, to ensure the integrity and depth of the report;

Professionalism: the contents and conclusions of the report are the use of professional knowledge and methods to systematically analyze and evaluate the credit information of enterprises to ensure the accuracy and authority of the report;

Practicality: The contents and conclusions of the report are aimed at the credit needs and credit problems of enterprises, and put forward suggestions and schemes with guiding significance and operation to ensure the effectiveness and value of the report.

The preparation and use of credit reports of 4. enterprises.

The preparation of an enterprise credit report generally requires the following steps:

Determine the object and purpose of the report: according to the customer's needs, determine the enterprise to write the report and the use scenario of the report, and clarify the goal and scope of the report;

Collect and verify credit information: collect basic information and credit information of the reporting object through various channels and methods, including public information and non-public information, and verify and screen the authenticity and validity of the information;

Analysis and evaluation of credit status: the use of credit assessment models, credit rating methods, credit risk indicators, etc., the collection of credit information for systematic analysis and evaluation, to reveal the reporting object's credit status and risk level;

Writing and reviewing credit reports: writing various parts of the credit report according to a certain format and structure, highlighting the focus and value of the report, and reviewing and modifying the content and language of the report;

Submission and feedback of credit report: submit the credit report to the customer, according to the customer's feedback and suggestions, make necessary amendments and improvements to the report to ensure the quality and satisfaction of the report.

The use of corporate credit reports generally requires the following considerations:

Understand and abide by the rules of use of the report: before using the report, you should understand the validity period, scope of use, disclaimer, contact information, etc. of the report, abide by the use agreement of the report, respect the intellectual property rights of the report, and do not copy, forward, modify or disclose the report without authorization;

Understand and evaluate the contents and conclusions of the report: when using the report, we should understand the contents and conclusions of the report, verify and compare the data, materials, certificates and references of the report, think and judge the analysis, evaluation and suggestions of the report, and evaluate and feedback the advantages and disadvantages of the report;

Application and utilization of the value and significance of the report: after using the report, the value and significance of the report should be applied, measures for credit management and credit promotion should be formulated and implemented according to the recommendations and plans of the report, the objects of credit cooperation and credit transactions should be selected and determined according to the evaluation and comments of the report, and credit strategies and credit conditions should be determined and adjusted according to the scores and grades of the report.

5. epilogue

Enterprise credit report is a kind of credit product, which is mainly used to evaluate the credit status and risk level of enterprises and provide reference for commercial transactions. Taking Shangpu Consulting Group as an example, this paper introduces the form and structure of enterprise credit report, analyzes the content, characteristics and value of the report, as well as the preparation and use of the report. The purpose of this paper is to provide some guidance and suggestions for the writers, users and interested parties of the enterprise credit report.