The composition and content of the enterprise credit report.

An enterprise credit report is an instrument issued by the Credit Information Center of the People's Bank of China or other authorized institutions, which records all kinds of economic activities of an enterprise and reflects the credit status of the enterprise. According to different inquirers and inquiry purposes, enterprise credit reports are divided into independent inquiry version and authorized inquiry version. The self-inquiry version is for enterprises to actively understand their own credit records, or provide to the counterparty as supporting materials. The authorized inquiry version is used by financial institutions or other authorized institutions in the case of enterprise consent or authorization.

The enterprise credit report mainly includes the following parts:

Basic information: including enterprise name, registration number, legal representative, registered address, business scope, registered capital, date of establishment, business status, etc;

Summary of information: including summary of loan information, summary of trade finance information, summary of guarantee information, summary of public record information, etc;

Details: including loan details, trade financing details, guarantee details, public record details, etc;

Query records: includes autonomous query records and authorized query records.

The acquisition and use of enterprise credit reports.

Enterprises can obtain their own or other people's enterprise credit report in the following ways24：

Online application: online application through the website of the Credit Reference Center of the People's Bank of China or the website of other authorized institutions requires the provision of relevant materials and identity verification;

Window application: to apply at the window set up by the Credit Reference Center of the People's Bank of China or other authorized institutions, relevant materials and identity verification are required;

Self-service inquiry: to the people's Bank of China credit reference center or other authorized institutions set up self-service inquiry machine for inquiry, need to provide relevant materials and identity verification;

The main purpose of corporate credit reporting is to provide important decision-making references for various types of credit transactions, such:

Financial institutions may assess the credit risk of enterprises on the basis of their credit reports, decide whether to grant loans, trade financing, guarantees and other businesses, as well as determine the corresponding interest rates, terms, quotas and other conditions;

Enterprises can understand their own or others' credit status according to their own or counterparty's corporate credit report, select suitable partners, formulate reasonable trading strategies, and improve transaction efficiency and security;

Government departments may monitor and analyze the operating conditions of enterprises on the basis of their credit reports, formulate and implement relevant policies and norms, and promote market order and fair competition.

The impact and value of corporate credit reporting.

Enterprise credit report is the "economic identity card" of enterprise credit, which directly affects the image and reputation of enterprises in the market, as well as the ability to obtain various resources and opportunities. A good corporate credit report can bring the following value to the enterprise:

Reduce financing costs: good corporate credit reporting can improve the trust of financial institutions to enterprises, increase financing channels and options, access to more favorable financing conditions;

Expand market share: good corporate credit reporting can enhance the competitiveness of enterprises in the market, attract more customers and partners, and expand a broader market space;

Enhance the brand image: a good corporate credit report can show the company's sense of social responsibility and integrity management philosophy, establish a good brand image, and win more social recognition and respect;

Preventing risks: A good corporate credit report can help companies detect and correct their own or others' bad credit behavior in a timely manner, and prevent or reduce the losses and risks caused by it.

The optimization and promotion of enterprise credit report.

In order to obtain a good corporate credit report, companies need to pay attention to the following points:

Pay attention to information integrity: provide or update all kinds of information related to oneself or others to the credit system in a timely manner to avoid missing or outdated information affecting the rights and interests of information subjects;

Pay attention to the accuracy of information: verify all kinds of information recorded by the credit system that oneself or others have a relationship with oneself, and apply for correction or explanation in time when errors or objections are found, so as to avoid information errors or ambiguities affecting the rights and interests of information subjects;

Pay attention to information security: properly keep all kinds of information related to oneself or others, abide by relevant laws, regulations and regulatory requirements, and prevent information leakage or abuse from affecting the rights and interests of information subjects;

Pay attention to the standardization of credit behavior: abide by credit commitments, fulfill credit obligations, avoid overdue, default, fraud and other bad credit behavior, and maintain the credit record of oneself or others related to oneself;

Pay attention to the effectiveness of credit repair: after the occurrence of bad credit behavior, timely take remedial measures to eliminate or reduce the adverse effects, restore or improve their own or other people's relationship with their own credit status.

In addition, enterprises can also obtain more optimization and improvement plans for enterprise credit reports through professional credit consulting services, such as Shangpu Consulting. Shangpu consulting company is a professional enterprise credit consulting services company, has a wealth of credit knowledge and experience, to provide enterprises with the following services:

Query and interpretation of enterprise credit report: help enterprises to obtain their own or others' enterprise credit report quickly, conveniently and safely, and make detailed interpretation and analysis of the report content;

Correction and explanation of enterprise credit report: to help enterprises verify all kinds of information about themselves or others related to themselves recorded in the credit system, and to apply for correction or explanation in time when errors or objections are found, so as to safeguard the rights and interests of information subjects;

Optimization and promotion of enterprise credit reporting: to help enterprises to formulate and implement reasonable credit management strategies, optimize and enhance their own or others' credit records related to themselves, and enhance their competitiveness in the market.

Shangpu Consulting has provided successful corporate credit consulting services for a number of well-known enterprises, such:

A large manufacturing enterprise: through the help of Shangpu Consulting Company, successfully applied to correct a wrong loan information recorded in the credit information system, improved the credit rating of the enterprise and reduced the financing cost;

A medium-sized trading enterprise: with the help of Shangpu Consulting Company, successfully inquired the enterprise credit reports of many potential partners, selected the best cooperation objects and expanded the market share;

A small service company: With the help of Shangpu Consulting, it successfully eliminated a non-performing loan record caused by overdue repayment, restored the credit status of the company, and enhanced the brand image.

In short, the corporate credit report is a document that contains many secrets, which not only records the past economic activities and credit status of the enterprise, but also affects the future development and opportunities of the enterprise. Therefore, enterprises should pay attention to and make reasonable use of enterprise credit report, maintain and improve their own or others and their own relationship with the credit level. At the same time, enterprises can also use professional credit consulting service agencies, such as Shangpu Consulting Company, to obtain more optimization and improvement plans for corporate credit reports to achieve sustainable development and improvement of corporate credit.