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

Enterprise credit report is a kind of report that is comprehensively evaluated and scored by professional rating agencies or credit agencies according to the financial statements, industry data, market information, etc. provided by enterprises, using scientific evaluation models and methods. Generally speaking, the enterprise credit report includes the following aspects:

-Basic corporate information: including corporate name, registered address, legal representative, registered capital, time of establishment, business scope, organizational form, shareholder structure, key management personnel, etc.

-Business situation: including the general situation of the industry to which the enterprise belongs, market position, competitive advantage, main products or services, main customers or suppliers, sales channels, marketing strategies, etc.

-Financial position of the enterprise: including the balance sheet, profit statement, cash flow statement and other financial statements, as well as the analysis of various financial indicators, such as current ratio, quick ratio, asset-liability ratio, return on net assets, sales margin, etc.

-Enterprise risk profile: including market risks, operational risks, financial risks, legal risks, etc. faced by the enterprise, as well as risk prevention and control measures taken by the enterprise.

-Enterprise credit rating: according to the comprehensive evaluation results of the enterprise, give the enterprise's credit rating and rating description, such.AAALevel,AALevel,AGrade, etc.

-Enterprise development prospects: According to the historical performance and future planning of the enterprise, the development trend and potential of the enterprise are predicted and analyzed.

Corporate credit reporting plays an important role in all types of market players. For borrowers, good credit reporting can improve their access to financing support and reduce their financing costs, as well as enhance their credibility and competitiveness in the market. For lenders, a detailed credit report can help them understand the borrower's true situation and repayment ability, reduce their credit risk and losses, and improve their credit efficiency and profitability. For investors, accurate credit reports can provide them with valuable investment information and advice, help them choose the right investment object and method, optimize their investment portfolio and income. For partners, objective credit reporting can enhance mutual understanding and trust between them and enterprises, and promote long-term cooperation and win-win development between the two sides.

The analysis method of the credit report of the 2. enterprise.

Enterprise credit report contains a large number of data and indicators, how to use this information to determine the real situation and development prospects of the enterprise:

-Comparative analysis: compare the data and indicators of the enterprise with other enterprises in the same industry or size, and analyze the advantages and disadvantages of the enterprise in the market, as well as the existing gaps and problems.

-Trend analysis: Compare the data and indicators of the enterprise with its historical data or expected goals, and analyze the development, changes and trends of the enterprise, as well as future opportunities and challenges.

-Factor analysis: that is, the data and indicators of the enterprise are broken down into different factors or elements, and the degree of influence and mechanism of each factor on the enterprise, as well as the risks and problems that may arise.

-Comprehensive analysis: The data and indicators of the enterprise are comprehensively examined from different angles or levels to analyze the overall situation and comprehensive capabilities of the enterprise, as well as potential advantages and disadvantages.

Case Analysis of 3. Shangpu Consulting Company

Shangpu Consulting Company is a company specializing in enterprise management consulting, market research, strategic planning and other services. It has a consulting team with rich experience, high professional quality and good service attitude. When providing consulting services to clients, Shangpu Consulting often needs to use corporate credit reporting analysis to help clients understand the real situation and development prospects of themselves or their partners. The following is an example of a corporate credit reporting analysis method used by Champ Consulting to provide consulting services to a manufacturing company:

1. Enterprise basic information

The manufacturing enterprise is a joint-stock company specializing in the production of high-end CNC machine tools, established in2010year, the registered capital is5000The legal representative is Zhang. The company is mainly engaged in the research and development, production, sales, maintenance and other services of CNC machine tools, with independent intellectual property rights and a number of patented technologies. The company currently has300employees, of which research and development personnel accounted30%, managers accounted10%, production personnel accounted50%, sales staff accounted10%. The company's main customers are automobile manufacturing, aerospace, military and other high-end manufacturing industries, and the main suppliers are well-known domestic and foreign manufacturers of CNC systems, tools, bearings and other accessories. The company's business scope covers all over the country, but also exported to Europe, America, Southeast Asia and other countries and regions.

2. Business operation

The CNC machine tool industry to which the manufacturing enterprise belongs is a strategic emerging industry supported and developed by the state, which has the characteristics of high technology content, high added value and high market demand. With the transformation and upgrading of domestic and foreign manufacturing industry, the market prospect of CNC machine tools is very broad. With its advanced technology, high-quality products and perfect service, the manufacturing enterprise has won a good reputation and reputation in the market, established stable cooperative relations with many well-known enterprises, and occupied a certain market share. The manufacturing company has achieved steady growth in operating results over the past few years.2018-2020During the year, its operating income, operating profit and net profit all showed an increasing trend year by year, indicating that the enterprise has strong market competitiveness and profitability.

3. Financial situation of the enterprise

The financial situation of an enterprise is an important index to reflect the economic strength and solvency of an enterprise, and it is also an important basis for evaluating the credit level of an enterprise. Through the analysis of the financial statements and financial indicators of the enterprise, we can understand the asset structure, liability structure, capital flow status, profit level and so on.

The current ratio and quick ratio of the manufacturing enterprise are higher, indicating that the enterprise has strong liquidity and solvency, and can meet the payment of short-term debt in a timely manner. The asset-liability ratio of the manufacturing enterprise is decreasing year by year, indicating that the financial leverage level of the enterprise is gradually decreasing and the financial risk is gradually decreasing. The manufacturing enterprise's return on net assets, sales profit margin and total asset turnover rate have increased year by year, indicating that the profitability and asset utilization efficiency of the enterprise are constantly improving, and the operating efficiency is constantly increasing.

4. Enterprise risk profile

An enterprise risk profile is a variety of uncertainties or events that an enterprise may encounter in its business activities that may adversely affect or lose its business objectives, interests or reputation. The analysis of the enterprise risk profile includes the following:

-Market risk: refers to the risk that the market environment or market demand of an enterprise changes, resulting in the loss of competitiveness or market share of the enterprise's products or services. The main market risks faced by the manufacturing enterprise are: the increasingly fierce competition in domestic and foreign markets, the continuous emergence of competitors in the same industry or across industries, which may cause price pressure or substitution threat to the enterprise's products or services; the domestic and foreign market demand may fluctuate or decline due to the influence of macro-economy, policies and regulations, technological innovation and other factors, which may affect the enterprise's sales revenue and profit level; there are certain political, social, cultural, legal and other differences and uncertainties in the domestic and foreign markets, which may bring obstacles or risks to the export or import of enterprises.

-Business risk: refers to the risk that various internal or external factors that an enterprise may encounter in the course of production and operation will affect or damage the production efficiency, product quality and service level of the enterprise. The main business risks faced by the manufacturing enterprise are: the enterprise depends on the core technology and patent technology, and if the technology is leaked or infringed, it may cause losses to the enterprise's competitive advantage and market position; the enterprise depends on the core personnel and key positions, and if the personnel are lost or lack of incentive mechanism, it may affect the innovation ability and management efficiency of the enterprise; the enterprise depends on the main customers and suppliers, if customers or suppliers change or have problems, it may affect the sales revenue and purchase costs of the enterprise.

-Financial risk: refers to the risk of various adverse factors or events that an enterprise may encounter in the process of raising, using and allocating funds, resulting in the risk of affecting or losing the liquidity, solvency and profitability of the enterprise. The main financial risks faced by the manufacturing enterprise are: the enterprise has a certain degree of financial leverage, if the market interest rate or borrowing cost rises, it may increase the financial expenses and financial pressure of the enterprise; the enterprise has a certain degree of exchange rate risk, if the RMB exchange rate fluctuates, it may affect the export income or import cost of the enterprise; the enterprise has a certain degree of credit risk, if the customer or supplier defaults or defaults, accounts receivable or accounts payable that may affect the business.

5. Enterprise credit rating

According to the data and indicators in the enterprise credit report, as well as the comprehensive analysis of the enterprise, the credit rating of the manufacturing enterprise isAAGrade, the rating description is as follows:

-The manufacturing company is a joint-stock company specializing in the production of high-end CNC machine tools, with strong technical strength, product competitiveness, market position and customer relationships.

-The manufacturing company has achieved steady growth in operating results over the past few years, with strong profitability and asset utilization efficiency.

-The manufacturing enterprise has strong liquidity and solvency, the level of financial leverage is gradually reduced, and the financial risk is gradually reduced.

-The manufacturing enterprise faces certain market risks, operational risks and financial risks, and needs to strengthen risk prevention and control measures to improve risk response capabilities.

-The manufacturing company has good development prospects and potential, but it also needs continuous innovation and improvement to adapt to market changes and customer needs.

6. Enterprise development prospects

According to the analysis of the credit report of the enterprise, as well as the study of the industry and the market, the development prospects of the manufacturing enterprise are as follows:

-The CNC machine tool industry to which the manufacturing enterprise belongs is a strategic emerging industry supported and developed by the state, with strong market demand and broad development space.

-With its advanced technology, high-quality products and perfect service, the manufacturing enterprise has won a good reputation and reputation in the market, established stable cooperative relations with many well-known enterprises, and occupied a certain market share.

-In the past few years, the manufacturing company has achieved steady growth in operating performance, with strong profitability and asset utilization efficiency, laying a solid foundation for future development.

-The manufacturing enterprise has strong liquidity and solvency, the level of financial leverage is gradually reduced, and the financial risk is gradually reduced, providing a guarantee for future financing and investment.

-The manufacturing enterprise faces certain market risks, operational risks and financial risks, and needs to strengthen risk prevention and control measures and improve its risk response capacity in order to maintain its competitive advantage and market position.

-The manufacturing company has good development prospects and potential, but it also needs continuous innovation and improvement to adapt to market changes and customer needs, and increase the added value and differentiation of its products and services.

4. Conclusion

Through the analysis of the enterprise credit report, it can be seen that the manufacturing enterprise is a high-end CNC machine tool manufacturer with strong technical strength, product competitiveness, market position and customer relationship, with strong profitability and asset utilization efficiency, strong liquidity and solvency, financial risk gradually reduced, and has good development prospects and potential. However, the enterprise also faces certain market risks, operational risks and financial risks, needs to strengthen risk prevention and control measures, improve risk response capacity, but also need to constantly innovate and improve to adapt to market changes and customer needs, improve the added value and differentiation of its products and services. Based on the analysis of the manufacturing company's credit report, Champu Consulting has provided the following recommendations:

-Strengthen technological research and development and innovation, protect core technologies and patented technologies, improve the technical level and quality level of products, and meet the individual and diversified needs of customers.

-Strengthen personnel training and motivation, retain core personnel and key positions, improve the professional quality and service awareness of employees, and establish an efficient management team and production team.

-Strengthen market development and marketing strategies, expand domestic and foreign markets, increase market share, consolidate existing customer relationships, develop new customer groups, and improve brand awareness and reputation.

-Strengthen financial management and risk management, optimize the asset structure and liability structure, control the level of financial leverage, reduce financial costs, avoid exchange rate risks and credit risks, and improve liquidity and solvency.

Shangpu Consulting Company hopes that through this consulting service, it can help the manufacturing enterprise to better understand its real situation and development prospects, and provide valuable reference and suggestions for its future development. Champu Consulting is also willing to maintain a long-term cooperative relationship with the manufacturing company and provide it with more professional consulting services.