Enterprise credit report is a kind of instrument reflecting the credit status of enterprises, which can provide important decision-making reference for all kinds of credit transactions and reduce unnecessary credit risk and loss. However, due to the opaque, incomplete and untimely corporate information, corporate credit reports are often not comprehensive, accurate and objective to reflect the true face of the enterprise. Therefore, as a professional third-party organization, consulting companies can help customers understand the internal operation, financial situation, market competitiveness, development potential and other aspects of the enterprise through a variety of ways and means, so as to provide customers with more valuable enterprise credit analysis and evaluation. This article will introduce the main service contents, methods and processes of consulting companies in enterprise credit reporting, and show how consulting companies reveal the true face of enterprises in the light of the specific case of Shangpu Consulting Group.

Enterprise credit report is a kind of instrument reflecting the credit status of enterprises, which can provide important decision-making reference for all kinds of credit transactions and reduce unnecessary credit risk and loss. Generally speaking, the enterprise credit report includes the following aspects:

Enterprise basic information: including enterprise name, registration number, legal representative, registered capital, business scope, date of establishment, registration authority, etc.

Enterprise credit information: including loan records, guarantee records, overdue records, and bad records of enterprises in various financial institutions.

Other information of the enterprise: including the administrative penalty records, litigation records, arbitration records, execution records, etc. of the enterprise in the administrative or judicial organs.

Enterprise supplementary information: including the membership, honorary title, rating, etc. of the enterprise in the industry association or social organization.

However, due to the opaque, incomplete and untimely corporate information, corporate credit reports are often not comprehensive, accurate and objective to reflect the true face of the enterprise. For example:

Some enterprises may have false registration or change registration information to conceal their true shareholders or controllers, or to conceal their transactions with other related parties.

Some companies may have false disclosures or withhold financial information in order to beautify their financial situation or to avoid tax or debt obligations.

Some enterprises may have false propaganda or mislead consumers to exaggerate the quality, performance or effect of their products or services, or fabricate their market share or competitive advantage.

Some companies may have illegal or unethical behaviors, such as infringement of intellectual property rights, infringement of consumer rights, and damage to environmental resources.

Therefore, as a professional third-party organization, consulting companies can help customers understand the internal operation, financial situation, market competitiveness, development potential and other aspects of the enterprise through a variety of ways and means, so as to provide customers with more valuable enterprise credit analysis and evaluation. The main services, methods and processes of the consulting firm in the area of corporate credit reporting are as follows:

Service content: Consulting companies can provide the following types of corporate credit reports according to the different needs of customers:

Basic type: mainly provides basic information and credit information of enterprises, suitable for general credit transactions or cooperation.

Standard type: On the basis of the basic type, add other information and supplementary information of the enterprise, which is suitable for more important credit transactions or cooperation.

Depth type: On the basis of standard type, increase the internal operation analysis, financial situation analysis, market competitiveness analysis, development potential analysis, etc., suitable for high-risk or high-value credit transactions or cooperation.

Service methods: Consulting companies can use the following methods to obtain and verify the credit information of enterprises:

Database query: use all kinds of public or professional databases, such as industrial and commercial registration database, credit center database, court announcement database, etc., to query the official or authoritative credit information of enterprises.

Field investigation: through field visits to the registered address, business premises, production facilities, etc. of the enterprise, observe and verify the actual operating conditions and scale of the enterprise.

Telephone interview: communicate with the legal representative, financial person in charge, main customers and main suppliers of the enterprise by telephone to understand and confirm the relevant information and situation of the enterprise.

Network search: through the network search engine, such as Baidu, Google, etc., search the enterprise's relevant news, comments, evaluation, etc., grasp the enterprise's social reputation and public opinion feedback.

Service process: The consulting company can complete the production and delivery of the enterprise credit report according to the following steps:

Determine requirements: communicate with customers to clarify the customer's requirements for the purpose, scope, depth and duration of the enterprise's credit report.

Develop a plan: According to the needs of customers, develop a reasonable work plan, including data sources, survey methods, analysis framework, report structure, etc.

Executive work: according to the work plan, collect and organize the credit information of the enterprise, and carry out the necessary verification and analysis.

Output report: according to the report structure, write and format the enterprise credit report, and carry out quality inspection and modification.

Submission and delivery: Submit the completed corporate credit report to the customer and make instructions or adjustments based on the customer's feedback.

Shangpu Consulting Group is one of the most leading and authoritative independent third-party research and investment and financing consulting institutions in China. It has rich experience and resources in market research, investment and financing consulting, IPO listing consulting and other fields. Champ Consulting also has excellent performance and results in providing corporate credit reporting. The following are some specific cases of Champ Consulting in providing corporate credit reports to different types of customers:

Case 1: In order to examine whether the guarantee company provided by a listed company when applying for a loan is reliable, a state-owned bank entrusts Shangpu Consulting to provide it with a deep enterprise credit report of the guarantee company. Through database inquiry, field investigation, telephone interview and Internet search, Shangpu consulting collected and analyzed the basic information, credit information, other information and supplementary information of the guarantee company, and made an in-depth evaluation on its internal operation, financial situation, market competitiveness and development potential. Shangpu Consulting found that although the guarantee company is shown as a wholly-owned subsidiary of the listed company in the industrial and commercial registration information, it is actually an independent legal person controlled by the actual controller of the listed company through a multi-layer holding structure. The financial information of the guarantee company also has false disclosure, its balance sheet and profit statement have a large number of related transactions and non-recurring gains and losses, and its true asset size and profitability are much lower than the level shown in the statement. The market competitiveness of guarantee companies is also very weak, and their main business focuses on providing guarantees for listed companies and their related parties, and lacks a diversified customer base and source of income. The development potential of guarantee companies is also very limited. The guarantee industry in which they are located is facing strict regulatory policies and fierce market competition, and their future performance and credit risk are difficult to predict. Based on the above analysis, Shangpu Consulting provided the bank with a detailed in-depth corporate credit report and advised the bank to treat the loan application with caution.

Case 2: In order to find a suitable partner, a multinational enterprise entrusts Shangpu Consulting to provide it with a standard enterprise credit report of a private enterprise. Through database inquiry, telephone interview and network search, Shangpu Consulting collected and analyzed the basic information, credit information, other information and supplementary information of private enterprises, and made a brief evaluation of them. Shangpu Consulting found that private enterprises are high-tech enterprises focusing on the field of new energy vehicles, with high innovation ability and market influence. Private enterprises in all types of financial institutions have a good credit record, there has been no overdue or bad situation. Private enterprises have not been subject to major penalties or lawsuits in administrative or judicial organs, and there have been no violations of laws and regulations or immoral acts. Private enterprises also have a high reputation and rating in industry associations or social organizations, and have won many honorary titles and awards. Based on the above analysis, Shangpu Consulting provides a concise standard enterprise credit report for multinational enterprises, and recommends that multinational enterprises and private enterprises have further contact and communication.

Case 3: In order to evaluate the investment value of a listed company, an individual investor entrusts Shangpu Consulting to provide it with a basic corporate credit report of the listed company. Through database query and other methods, Shangpu Consulting collected and sorted out the basic information and credit information of listed companies, and carried out a simple check on them. Shangpu Consulting found that the listed company is a large enterprise group engaged in real estate development and operation, with strong brand and scale advantages. Listed companies have high credit lines and credit ratings in various financial institutions, and there have been no overdue or adverse situations. Based on the above information, Shangpu Consulting provides individual investors with a concise basic corporate credit report, and recommends that individual investors decide whether to invest in the listed company based on their own risk appetite and return expectations.