1. what is a corporate credit report?

According to Article 2 of the Regulations on the Administration of the the People's Republic of China Credit Investigation Industry, credit investigation refers to the collection, sorting, storage, and processing of basic information, property status, performance capabilities, performance records and other information of individuals or organizations through legal channels by credit investigation agencies, and The activities of providing such information to information subjects or other organizations in accordance with the law.

Enterprise credit report is one of the main credit products provided by the enterprise credit system, which provides comprehensive and accurate comprehensive credit information to the inquirer, provides important decision-making reference for all kinds of credit transactions, and reduces unnecessary credit risks and losses.

What does the 2. enterprise credit report include?

Generally speaking, the enterprise credit report includes the following parts:

-Basic information: including enterprise name, registration number, legal representative, registered capital, date of establishment, business scope, etc.

-Financial information: including balance sheet, profit statement, cash flow statement, etc.

-Transaction information: including bank account status, loan status, guarantee status, bill status, etc.

-Public record information: including administrative penalties, judicial proceedings, tax arrears, etc.

-Evaluation information: including credit rating results, industry evaluation results, etc.

-Query record: including query date, query organization name, etc.

What is the role of 3. corporate credit reports?

Enterprise credit reporting can provide various types of entities with the following functions:

-For enterprises themselves, they can check their own credit reports to understand their credit status, find and correct possible credit problems, improve their credit level, and enhance their market competitiveness and credit influence.

-For banks and other financial institutions, they can check the credit report of the enterprise, understand the financial situation, performance ability, performance record, etc., assess the credit risk of the enterprise, reasonably determine the loan amount, interest rate, term, etc., improve the efficiency and quality of loans, and reduce the bad debt rate and loss.

-For suppliers, customers and other counterparties, you can check the enterprise credit report, understand the business status, credit status, transaction records, etc., select the appropriate partners, formulate reasonable trading conditions, to ensure the smooth progress of the transaction and the realization of benefits.

-For public entities such as government departments and social organizations, they can inquire about corporate credit reports to understand the legal status, social responsibility, public records, etc., supervise and guide enterprises to operate in accordance with laws and regulations, distinguish rewards and punishments, and promote the construction of social integrity.

How do 4. obtain corporate credit reports?

At present, there are many institutions in my country that provide corporate credit reporting services, including the People's Bank of China Credit Information Center, China Enterprise Credit Information System (Tianyan Check), China Credit Insurance Credit Platform, and local industrial and commercial bureaus. Corporate credit reports provided by different agencies may vary, but the basic principles are the same.

In general, the following steps need to be followed to obtain a corporate credit report:

-Registered account number: on the website of the corresponding institution orAPPOn the registration account, and real name authentication.

-Query authorization: Before querying, you need to obtain the authorization or consent of the queried enterprise. Different agencies may be authorized in different ways, generally the following: (1) Online authorization of the queried enterprise; (2) Letter of authorization issued by the inquired enterprise; (3) The inquired enterprise shall provide a photocopy or electronic version of the business license; (4) The inquired enterprise shall provide a copy or electronic version of the ID card of the legal representative.

-Query payment: After obtaining authorization, you need to pay the corresponding fee to query. The charging standards of different institutions may be different, generally between tens of yuan and hundreds of yuan. Some institutions also provide free or preferential inquiry services.

-Query Download: After the payment is completed, you can query and download the enterprise credit report. Generally, you can choose electronic or paper version. The electronic version can be viewed directly online or downloaded to the local; the paper version can be printed or mailed to the designated address.

What do 5. need to pay attention to when using corporate credit reports?

When using corporate credit reports, you need to pay attention to the following points:

-Confidentiality: The enterprise credit report involves the privacy and trade secrets of the enterprise, and the user shall abide by the relevant laws and regulations and contractual agreements, and shall not disclose, transfer or abuse the enterprise credit report.

-Timeliness: The enterprise credit report reflects the information up to a certain point in time. Users should pay attention to the date of generation of the report and judge whether the information has changed according to the actual situation.

-Integrity: The enterprise credit report may not cover all the credit information of the enterprise, and users should comprehensively and objectively assess the credit status of the enterprise in combination with other sources of information.

-Objectivity: The enterprise credit report only provides the credit information of the enterprise, and does not represent the credit evaluation or suggestion of the enterprise. Users should make decisions independently according to their own judgment and needs, and bear the corresponding risks and responsibilities.

How often is the 6. corporate credit report updated?

The update frequency of the enterprise credit report depends on the update frequency of the information source. In general, the following types of information are updated more frequently:

-Transaction information: such as bank account status, loan status, guarantee status, bill status, etc., usually updated monthly or quarterly.

-Public record information: such as administrative penalties, judicial proceedings, tax arrears, etc., are generally updated within one month after the occurrence.

-Query records: generally updated within one working day after the query occurs.

The following types of information are updated less frequently:

-Basic information: such as enterprise name, registration number, legal representative, registered capital, date of establishment, business scope, etc., are generally updated within one month after the registration of the enterprise change.

-Financial information: such as balance sheet, profit statement, cash flow statement, etc., is generally updated within one quarter after the company submits its annual report.

-Evaluation information: such as credit rating results, industry evaluation results, etc., generally updated once a year or every two years.

What do 7. do if they find errors or omissions in their credit reports?

If an error or omission is found in the enterprise's credit report, the objection can be handled in the following ways:

-Online application: on the website of the corresponding institution orAPPSubmit an application for objection and provide relevant supporting materials.

-Offline application: submit an objection application to the office of the corresponding institution and provide relevant supporting materials.

-Telephone consultation: call the customer service number of the corresponding organization to consult the objection handling process and requirements.

Objection processing generally takes a certain amount of time, and the processing time frame may vary from agency to agency, generally in15completed within working days. If the objection is established, the corresponding institution will promptly correct or supplement the enterprise credit report; if the objection is not established, the corresponding institution will give an explanation and explanation.

Conclusion

Enterprise credit report is an important basis for reflecting the credit status of enterprises, and also an important reference for all kinds of subjects to carry out credit transactions. Understanding and mastering the relevant knowledge and skills of enterprise credit reporting can help enterprises improve their credit level and market competitiveness, and can also help other subjects reduce transaction risks and losses. Taking Shangpu Consulting Company as an example, this paper introduces the definition, content, function, acquisition method, use precautions, update frequency, objection handling and other aspects of enterprise credit report, hoping to help readers.