Definition and Content of 1. Enterprise Credit Report

Enterprise credit report is a comprehensive document that reflects the business status, credit status and risk status of enterprises, and is an important basis for enterprises to participate in various economic activities in the market economy. There are many definitions of enterprise credit report, but they generally contain the following elements: the subject is the enterprise, the object is the relevant information of the enterprise, the purpose is to provide credit evaluation and decision-making reference, the form is a written document. According to different subjects, objects, purposes and forms, enterprise credit reports can be divided into many types, such as self-credit reports, third-party credit reports, internal credit reports, external credit reports, comprehensive credit reports, special credit reports, etc.

The contents of the enterprise credit report generally include the following aspects: basic information of the enterprise, business information, enterprise financial information, enterprise credit information, enterprise risk information, corporate social responsibility information, etc. The basic information of an enterprise refers to the registration information, legal representative information, shareholder information, organizational structure information, contact information, etc. of the enterprise, which is the basis and premise of the enterprise credit report. Enterprise business information refers to the business scope, business model, business scale, business efficiency, business strategy, business environment, etc., which is the core and focus of enterprise credit report. Enterprise financial information refers to the balance sheet, profit statement, cash flow statement, financial ratio, financial analysis, etc., which is the basis and support of the enterprise's credit report. Enterprise credit information refers to the credit rating, credit record, credit evaluation, credit honor, etc. of an enterprise, which is the result and display of the enterprise credit report. Enterprise risk information refers to the risk type, risk degree, risk factor, risk control, risk warning, etc. of the enterprise, which is the supplement and warning of the enterprise credit report. Corporate social responsibility information refers to the company's legal compliance, social contribution, environmental protection, employee care, charity, etc., which is the expansion and promotion of corporate credit reports.

The role and influence of credit reports of 2. enterprises.

The role and influence of corporate credit reports are mainly reflected in the following aspects:

The role and influence of (I) on the enterprise itself

The role and influence of corporate credit reports on the enterprise itself is mainly manifested in the following aspects:

Improve the market trust of enterprises. Enterprise credit report is an important means for enterprises to show their credit image and credit level in the market, and is an important basis for enterprises to win market trust and recognition. The quality and effectiveness of corporate credit reports directly affect the credibility and reputation of the company, which in turn affects its market position and market share. A high-quality and high-efficiency enterprise credit report can establish a good credit image for enterprises, enhance their market competitiveness and market attractiveness, and expand their market influence and market share.

Expand the business cooperation space of the enterprise. Enterprise credit report is an important basis for enterprises to seek and carry out various business cooperation in the market, and an important condition for enterprises to carry out credit exchange and credit contract with other subjects. The quality and effectiveness of enterprise credit report directly affects the willingness and choice of cooperation, and then affects the cooperation effect and cooperation income of enterprises. A high-quality and effective enterprise credit report can provide more cooperation opportunities and resources for enterprises, increase the advantages and value of cooperation, and improve the efficiency and efficiency of cooperation.

Reduce business costs and risks. Enterprise credit report is an important basis for enterprises to obtain and use various business resources in the market, and an important means for enterprises to reduce operating costs and risks. The quality and effectiveness of enterprise credit report directly affects the enterprise's resource acquisition and resource utilization, and then affects the enterprise's operating cost and risk level. A high-quality and efficient enterprise credit report can strive for more preferential policies and preferential conditions for enterprises, reduce the financing costs and transaction costs of enterprises, and reduce the credit losses and credit risks of enterprises.

The role and influence of (II) on the outside of the enterprise.

The role and influence of corporate credit reports on the outside of the enterprise is mainly manifested in the following aspects:

The role and influence of regulators. Enterprise credit report is an important basis for the supervision and management of enterprises by the regulatory authorities, and an important means for the regulatory authorities to implement credit supervision and credit incentives. The quality and effectiveness of corporate credit reports directly affect the regulatory effectiveness and regulatory efficiency of the regulatory authorities, which in turn affects the regulatory credibility and regulatory authority of the regulatory authorities. A high-quality and effective corporate credit report can provide more regulatory information and regulatory basis for the regulatory authorities, improve the regulatory capacity and regulatory level of the regulatory authorities, and promote regulatory innovation and regulatory optimization of the regulatory authorities.

Improve the disclosure and openness of enterprise credit information, increase the transparency and credibility of enterprise credit information, accept market supervision and evaluation, and establish a feedback and correction mechanism for enterprise credit information.

Strengthen the self-discipline and integrity of enterprise credit information, abide by the relevant laws and regulations and industry norms of enterprise credit information, fulfill the relevant obligations and responsibilities of enterprise credit information, and maintain the authenticity and integrity of enterprise credit information.

(II) improve the accuracy of corporate credit reports.

The accuracy of the enterprise credit report refers to whether the enterprise-related information reflected in the enterprise credit report meets the standards, whether it is scientific, reasonable and consistent, and whether there are no errors, deviations, differences, contradictions and so on. The accuracy of enterprise credit report is the basic requirement and important condition of enterprise credit report, and it is the basis and support of enterprise credit report. Only accurate enterprise credit report can reflect the real credit status and credit level of the enterprise, can provide effective credit evaluation and credit decision-making for the enterprise, and can bring good credit effect and credit impact for the enterprise. To improve the accuracy of corporate credit reports, the main need to do the following:

Establish and improve the methods and techniques of analysis, processing, calculation and comparison of enterprise credit information to ensure the scientificity, rationality, consistency and comparability of enterprise credit information.

Strengthen the detection and evaluation of the quality and effect of enterprise credit information, prevent and correct the errors, deviations, differences and contradictions of enterprise credit information, and improve the accuracy and reliability of enterprise credit information.

Improve the standardization and unification of the expression and presentation of enterprise credit information, abide by the relevant formats and standards of enterprise credit information, use the relevant terms and symbols of enterprise credit information, and increase the clarity and readability of enterprise credit information.

Enhance the timely and effective update and maintenance of enterprise credit information, timely collect and reflect the changes and dynamics of enterprise credit information, timely correct and supplement the lack and deficiency of enterprise credit information, and maintain the timeliness and integrity of enterprise credit information.

(III) improve the integrity of enterprise credit report

The integrity of the enterprise credit report refers to whether the enterprise-related information reflected in the enterprise credit report is comprehensive, whether it covers all aspects and levels of enterprise credit, whether there is no omission, deficiency, omission, deletion and so on. The integrity of enterprise credit report is the basic requirement and important condition of enterprise credit report, and it is the content and structure of enterprise credit report. Only a complete enterprise credit report can reflect the overall credit status and credit level of the enterprise, provide effective credit guidance and credit advice for the enterprise, and bring good credit effect and credit impact to the enterprise. To improve the integrity of corporate credit reports, the main need to do the following:

Establish and improve the methods and techniques of classification, induction, summary and display of enterprise credit information to ensure the comprehensiveness, systematicness, structure and hierarchy of enterprise credit information.

Strengthen the expansion and enrichment of the content and scope of corporate credit information, and increase the diversity and dimensions of corporate credit information, including basic corporate information, business information, financial information, credit information, risk information, and social responsibility information.

Improve the ability and level of the association and integration of enterprise credit information, increase the relevance and internality of enterprise credit information, form the network and system of enterprise credit information, and enhance the value and significance of enterprise credit information.

Enhance the motivation and awareness of the improvement and optimization of enterprise credit information, collect and reflect the new situation and new problems of enterprise credit information in a timely manner, improve and optimize the content and form of enterprise credit information in a timely manner, and improve the quality and level of enterprise credit information.

(IV) Improve the Timeliness of Enterprise Credit Report

The timeliness of enterprise credit report refers to whether the enterprise-related information reflected in the enterprise credit report is timely, whether it reflects the latest status and dynamics of enterprise credit, whether there is no lag, outdated, invalid, expired and so on. The timeliness of enterprise credit report is the basic requirement and important condition of enterprise credit report, and it is the dynamic and trend of enterprise credit report. Only the time-sensitive enterprise credit report can reflect the latest credit status and credit level of the enterprise, can provide effective credit warning and credit adjustment for the enterprise, and can bring good credit effect and credit impact for the enterprise. To improve the timeliness of corporate credit reports, the main need to do the following:

Establish and improve the collection, update, release, dissemination and other systems and processes of enterprise credit information to ensure the timeliness, rapidity, real-time and continuity of enterprise credit information.

Strengthen the monitoring and analysis of the dynamics and changes of enterprise credit information, collect and reflect the changes and dynamics of enterprise credit information in a timely manner, adjust and update the content and form of enterprise credit information in a timely manner, and improve the flexibility and sensitivity of enterprise credit information.

Improve the efficiency and effectiveness of the dissemination and sharing of enterprise credit information, use modern information technology and platforms to improve the speed and scope of dissemination of enterprise credit information, improve the degree of sharing of enterprise credit information and sharing benefits, and improve the accessibility and availability of enterprise credit information.

Enhance the ability and level of adjustment and improvement of enterprise credit information, adjust and improve the credit status and credit level of enterprises in a timely manner according to the changes and dynamics of enterprise credit information, solve and eliminate the credit problems and credit risks of enterprises in a timely manner, and improve the credit adaptability and credit innovation of enterprises.

5. Conclusion

Enterprise credit report is a comprehensive document that reflects the business status, credit status and risk status of enterprises, and is an important basis for enterprises to participate in various economic activities in the market economy. This paper analyzes the definition, content, function and influence of enterprise credit report, discusses the importance of enterprise credit report to the development of enterprises, and how to improve the quality and effectiveness of enterprise credit report. This paper holds that enterprise credit report is an important means for enterprises to obtain market trust, expand business cooperation, reduce operating costs and improve competitiveness, and is also an important basis for the evaluation and selection of enterprises by regulators, financial institutions, partners and consumers.