The content of the credit report of the 1. enterprise.

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

Enterprise basic information: including enterprise name, unified social credit code, registered address, legal representative, registered capital, business scope, date of establishment, business status, etc.

Enterprise credit information: including the enterprise's loans, guarantees, credit cards, trade finance, bills, bonds, leasing, factoring and other credit activities, as well as the enterprise's repayment status, overdue status, default status, etc.

Enterprise credit rating information: including the enterprise's credit rating results, rating agencies, rating dates, rating basis, etc.

Enterprise judicial information: including records of judicial events such as civil litigation, administrative punishment, enforcement, bankruptcy liquidation, reorganization, judicial auction, etc. involved in the enterprise, as well as records of judicial measures such as untrustworthy persons subject to enforcement, consumption restriction orders, and exit restriction orders.

Other information of the enterprise: including administrative license, administrative reward, tax information, social insurance information, intellectual property information, quality certification information, environmental information, social responsibility information, etc.

The contents of an enterprise's credit report shall be objective, true, accurate and complete, and shall not be false, misleading or concealed. Enterprises should update and check their credit information in a timely manner, and if they find wrong or missing information, they should promptly file an objection or correction application to the credit agency or information provider.

The format of the credit report of the 2. enterprise.

The format of an enterprise's credit report should be standardized, clear and easy to read, so that information users can quickly obtain and analyze the credit status of the enterprise. The format of an enterprise credit report generally includes the following parts:

Report Cover Page: includes information such as the report title, report number, query date, query organization, query purpose, and prompts such as the validity period, scope of use, and disclaimer of the report.

Report Table of Contents: Includes the title and page number of each section of the report, as well as an index of the appendices, notes, references, etc. of the report.

Report body: including the contents of each chapter of the report, arranged according to logical order and importance. The contents of each chapter shall be composed of title, text and summary. The text shall display the credit information of the enterprise by means of charts, data and analysis. The summary shall summarize the credit advantages and risk points of the enterprise and give corresponding suggestions or early warnings.

Appendices to the report: Includes supplementary or detailed information about the report, such as the company's financial statements, credit rating reports, judicial decisions, etc., as well as other relevant materials for the report, such as the company's power of attorney, search application forms, etc.

Report notes: include the explanation of the professional terms, abbreviations, symbols, etc. used in the report, as well as the source or source of the data, information, opinions, etc. cited in the report.

Report references: including the name, author, publisher, year of publication, page number and other information of the documents cited or referenced in the report, which are arranged according to the standard citation format.

The format of enterprise credit reports should follow the unified standards of the credit industry, and can also be customized or adjusted according to the needs of information users, but must not affect the integrity and credibility of the report.

Channels for 3. corporate credit reports.

There are several main channels for corporate credit reporting:

People's Bank of China Credit Information Center: The People's Bank of China Credit Information Center is a national credit information agency, responsible for the construction and operation of the national financial credit information basic database, to provide personal and corporate credit reporting services. Enterprises can inquire and obtain their own credit reports through the website of the People's Bank of China Credit Center, self-service inquiry machine, mail, counter, etc., or authorize others to inquire and obtain their own credit reports. The credit report of the Credit Reference Center of the People's Bank of China is authoritative and extensive, and is the preferred channel for information users such as financial institutions and government departments.

Social credit reporting agencies: Social credit reporting agencies are enterprises approved by the People's Bank of China to engage in credit reporting business, mainly including cooperative agencies of the central bank's credit reporting system and independent credit reporting agencies. Social credit agencies can provide credit reporting services for individuals and enterprises according to market demand, as well as value-added services such as credit rating, credit consulting and credit management. Enterprises can inquire and obtain their own credit reports through the website, telephone, mail, counter, etc. of the social credit agency, or authorize others to inquire and obtain their own credit reports. The credit reports of social credit agencies are professional and diverse, and are an important channel for information users such as financial institutions and enterprises.

Credit China website: Credit China website is a national credit information sharing platform sponsored by the Office of the Leading Group for the Construction of the Credit System of the State Council, providing credit information publicity services for individuals and enterprises. Enterprises can query and obtain their own credit information through the website of Credit China website, mobile phone client, WeChat public number, etc., and can also authorize others to query and obtain their own credit information. The credit information of Credit China website is open and timely, and it is a convenient channel for information users such as government departments and the public.

National Enterprise Credit Information Publicity System: The National Enterprise Credit Information Publicity System is a national enterprise registration information publicity platform sponsored by the State Administration for Industry and Commerce, providing publicity services such as business registration information, annual report information, and administrative penalty information. Enterprises can query and obtain their own industrial and commercial registration information through the website of the national enterprise credit information publicity system, mobile phone client, WeChat official account, etc., and can also authorize others to query and obtain their own industrial and commercial registration information. The industrial and commercial registration information of the national enterprise credit information publicity system has authority and legal effect, and is a necessary channel for government departments, enterprises and other information users.

The channels of enterprise credit reports should be selected according to the needs of information users and the use of credit reports. Credit reports of different channels may have differences in content, format, price, timeliness, etc., and enterprises should pay attention to comparison and verification.

The process of 4. enterprise credit reports.

The process of enterprise credit reporting consists of the following steps:

Inquiry application: The enterprise or its authorized information users submit an inquiry application to the credit bureau or information provider, fill in the inquiry application form, provide the basic information of the enterprise, the purpose of the inquiry, the scope of the inquiry, the inquiry period and other information, as well as the enterprise's authorization, identity certificate, inquiry fee and other materials.

Inquiry review: The credit agency or information provider reviews the inquiry application, checks the authenticity, legality, and completeness of the application information and materials, confirms the validity and compliance of the inquiry application, and agrees or rejects the inquiry application.

Query processing: The credit bureau or information provider processes the agreed query application, searches and screens the relevant credit information from the credit information database according to the query criteria, generates credit reports, performs quality checks and security encryption, and prepares to send or provide credit reports.

Inquiry feedback: credit bureaus or information providers send or provide credit reports to inquiry applicants, inform inquiry results, provide inquiry vouchers, charge inquiry fees, record inquiry logs, and save inquiry files through websites, emails, text messages, telephones, counters, etc.

Query evaluation: After the query applicant receives or obtains the credit report, evaluate the content, format, timeliness, price and other aspects of the credit report, file an objection or correction application for the error or missing information in the credit report, and provide feedback or suggestions on the effect of the use of the credit report.

The process of enterprise credit reporting shall follow the norms of the credit industry and the requirements of laws and regulations, ensure the security and privacy of credit information, and safeguard the rights and interests and reputation of credit information.

Considerations for 5. corporate credit reports.

Considerations for corporate credit reporting include the following:

Enterprises should pay attention to their own credit reports, regularly query and check their own credit information, timely find and correct errors or missing information, maintain their own credit records and credit evaluation, improve their credit level and credit value.

Enterprises should use their own credit reports reasonably, select appropriate inquiry channels and inquiry methods according to the purpose and validity period of the credit report, avoid frequent or unnecessary inquiries, save inquiry costs and time, protect inquiry records and inquiry vouchers, and prevent inquiry leakage and inquiry abuse.

Enterprises should operate in good faith, abide by credit commitments, fulfill credit obligations, actively participate in credit activities, increase the positive records of credit information, reduce the negative records of credit information, improve the credit evaluation and credit rating of credit reports, and expand the credit effect and credit impact of credit reports.

Enterprises shall respect the credit reports of others, abide by the rules of inquiry, obtain authorization and permission, inquire and obtain the credit reports of others in a lawful and compliant manner, use and preserve the credit reports of others in a reasonable and appropriate manner, shall not disclose, tamper with, forge or abuse the credit reports of others, and shall not infringe upon the credit rights and interests and credit reputation of others.

The considerations of enterprise credit reports should be adjusted and improved according to the characteristics of credit reports and changes in the credit environment, promote the standardization and standardization of credit reports, and enhance the credibility and availability of credit reports.

Conclusion

Enterprise credit report is an important tool for enterprise credit management and an important basis for enterprise credit transactions. Enterprises should understand the knowledge of the content, format, channel, process and matters needing attention of enterprise credit report, master the methods and skills of writing and submitting enterprise credit report, optimize the quality and efficiency of enterprise credit report, improve the value and influence of enterprise credit report, and provide credit support and credit guarantee for the development and competition of enterprises.