1. what is a corporate credit report.

According to Article 2 of the Measures for the Administration of Credit Information Business, credit information business refers to the collection, collation and storage of basic information, credit information and other information of information subjects (including natural persons, legal persons and other organizations) through legal channels, and other information reflecting their credit status, and providing information services to users according to the authorization or agreement of information subjects or users.

The enterprise credit report is an instrument that reflects the basic information, credit information and other credit information of the enterprise provided to the user by the credit bureau according to the authorization or agreement. It is a document that comprehensively records all kinds of economic activities of enterprises, reflects the credit status of enterprises, and is the basic product of the enterprise credit system.[^2^][3]。

What is included in the credit report of the 2. enterprise.

According to the interpretation of enterprise credit report (independent inquiry version) issued by the credit reference center of the people's Bank of China, the enterprise credit report mainly includes the following six parts:

-Basic information: record the registration information of the enterprise, such as name, address, legal representative, registered capital, date of establishment, etc.

-Public records: record the information registered or published by enterprises in judicial or administrative organs, such as administrative penalties, administrative rewards, tax arrears records, social security arrears records, etc.

-Loans: Record the loan contracts and repayments made by enterprises in financial institutions, such as loan type, amount, term, balance, overdue status, etc.

-Trade finance: Record the trade finance contracts and repayments made by enterprises in financial institutions, such as the type of guarantee, amount, term, balance, overdue status, etc.

-Guarantee: Record the guarantee contract and performance of the enterprise as guarantor or guarantor, such as the type of guarantee, amount, term, balance, compensation, etc.

-Query record: record the number of times and institutions that the enterprise credit report has been queried in a certain period of time, such as query date, query reason, query institution, etc.

What is the role of 3. enterprise credit report?

Enterprise credit report is the "economic ID card" of enterprise credit, which is an important basis for reflecting the credit status of enterprises, and plays an important role in the enterprise itself and external users.

For the enterprise itself, the enterprise credit report can help the enterprise:

-Understand their own credit status: by querying their own credit reports, enterprises can timely understand whether their credit records are accurate, complete and timely, whether there is bad information or wrong information, so as to take timely measures to repair or correct.

-Improve credit level: By checking their own credit reports, enterprises can find their own credit advantages and disadvantages, so as to formulate reasonable credit management strategies, improve their credit level and credit rating, and enhance their market competitiveness and financing ability.

-Safeguarding credit rights and interests: By checking their own credit reports, companies can promptly discover and feedback any information that does not conform to the facts or infringes their own rights and interests, and require credit agencies or information providers to verify or correct them to protect their legitimate rights and interests.

For external users, corporate credit reporting can help users:

-Conducting business investigations: By querying the credit reports of the target enterprises, users can understand the basic situation, operating conditions, financial status, legal status, etc. of the target enterprises, providing important information support for business transactions.

-Assessing the level of risk: By querying the credit report of the target enterprise, users can understand the repayment ability, willingness to repay, repayment behavior, etc. of the target enterprise, providing an important data basis for risk management.

-Expand market opportunities: By querying the credit report of the target company, users can understand the development potential, cooperation intention, cooperation conditions, etc. of the target company, providing an important reference for market expansion.

4. how to obtain enterprise credit report

According to Article 16 of the Measures for the Administration of Credit Investigation Services, credit investigation agencies shall provide credit investigation services to users in accordance with the authorization or agreement of information subjects or users. Therefore, obtaining a corporate credit report needs to follow the following principles:

-Authorization principle: Only with the written authorization of the information subject (I. e. the enterprise being inquired) or its legal representative or authorized operator can its credit report be inquired.

-The principle of legitimate purpose: only for legitimate purposes (e. g. loan approval, guarantee approval, trade cooperation, etc.), can check the credit report of others.

-The principle of true identity: Only by virtue of a true and valid identity document (e. g. business license, legal representative certificate, etc.), can the credit report of others be queried.

At present, the main ways to obtain enterprise credit reports are as follows:

-Entrusted inquiry: The legal representative or authorized manager of an enterprise may entrust a credit bureau or other cooperative institution to inquire about its own credit report.

-Authorized inquiry: The legal representative or authorized manager of an enterprise may authorize other users (such as financial institutions, commercial institutions, etc.) to inquire about their own credit reports.

-Agreed query: The enterprise and the user can agree in the contract or agreement that the user has the right to query the enterprise's credit report under certain conditions.

Application cases of 5. enterprise credit reporting.

In order to better explain the application value and practical method of enterprise credit reporting, this paper makes a brief analysis based on the specific case of Shangpu Consulting Company.

Shangpu Consulting Company is a consulting company specializing in business investigation, risk assessment, market development and other services. It has many years of industry experience and professional team to provide customers with efficient, high-quality and professional consulting services. In its daily work, Shangpu Consulting extensively uses corporate credit reporting as an important information tool to provide clients with the following services:

-Business investigation: Shangpu Consulting provides customers with comprehensive, in-depth and objective business investigation services to help customers understand the basic situation, operating status, financial status, legal status, etc. of the target enterprise, and provide important information support for customers' business transactions. When conducting business surveys, Shangpu Consulting will select appropriate sources and methods of information based on the needs of customers and the characteristics of the target company, the most commonly used of which is the corporate credit report. By querying the credit report of the target enterprise, Shangpu Consulting Company can quickly and accurately obtain the basic information, public records, loans, trade financing, guarantee and other information of the target enterprise, so as to carry out omni-directional, multi-angle and multi-dimensional analysis of the target enterprise, and provide customers with detailed, accurate and authoritative business investigation reports.

-Risk assessment: Shangpu Consulting provides professional, scientific and systematic risk assessment services to help customers identify, quantify, control and avoid various risks, and provide important data basis for customer risk management. When conducting a risk assessment, Shangpu Consulting will select the appropriate assessment model and method based on the customer's risk appetite and the risk characteristics of the target enterprise, the most commonly used of which is the enterprise credit report. By inquiring the credit report of the target enterprise, Shangpu Consulting Company can fully and timely understand the repayment ability, repayment willingness, repayment behavior and other information of the target enterprise, so as to carry out objective, scientific and reasonable risk assessment of the target enterprise and provide customers with effective, feasible and practical risk assessment report.

-Market development: Shangpu Consulting provides customers with innovative, efficient and professional market development services to help customers discover, explore, grasp and utilize various market opportunities, and provide important reference for customers' market development. When expanding the market, Shangpu Consulting will select the appropriate market strategy and method according to the customer's market objectives and the market situation of the target enterprise, the most commonly used of which is the enterprise credit report. By inquiring the credit report of the target enterprise, Shangpu Consulting Company can deeply and comprehensively understand the development potential, cooperation intention, cooperation conditions and other information of the target enterprise, so as to carry out accurate, effective and professional market development for the target enterprise. to provide customers with high-quality, efficient and effective market development report.

The above are some typical cases of the use of corporate credit reports by Shangpu Consulting. Through these cases, we can see that corporate credit reports are a powerful and flexible information tool that can provide important information support for various business activities. And decision-making reference is an indispensable part of corporate credit transactions.

Conclusion

This paper introduces the definition, content, function and acquisition method of enterprise credit report in detail, and analyzes the application value and practical method of enterprise credit report in business investigation, risk assessment, market development and so on, combined with the specific case of Shangpu Consulting Company. It is hoped that this paper can help readers to better understand and use the enterprise credit report, and provide a strong guarantee for the enterprise credit transaction.