Enterprise credit report is a document reflecting the credit status of enterprises and an important reference for all kinds of credit transactions. From the perspective of consulting companies, this paper interprets the classification, content, function and precautions of enterprise credit reports, and analyzes the enterprise credit reports in market research, investment and financing consulting andIPOApplications in areas such as listing consulting.

What is a corporate credit report?

Enterprise credit report is a comprehensive record of all kinds of economic activities of enterprises, reflecting the credit status of enterprises, is the basic product of enterprise credit system. The enterprise credit report objectively records the basic information, credit information and other information reflecting its credit status, and reflects its credit status in a comprehensive, accurate and timely manner, which is the subject of information.“economic identity card”It is also an important reference for all types of credit transactions.

What are the classifications of corporate credit reporting?

According to different query subjects and query purposes, enterprise credit reports can be divided into the following types:

Enterprise independent inquiry version: for enterprises to actively understand their credit records, such as to see if there is bad credit information, compare the loan balance and the actual loan book balance is consistent. This type of report can be divided into standard version and simplified version. The standard version contains more detailed information, while the simplified version only displays some key information.

Institutional inquiry version: for financial institutions, government departments, industry associations and other institutions that provide financial services or regulatory services, such as loan approval, risk assessment, supervision and management, etc. This type of report contains more comprehensive and in-depth information, such as loan details, guarantee details, non-performing information details, etc.

Personal inquiry version: for individuals to inquire about the credit records of enterprises related to them (such as shareholders, legal representatives, senior executives, etc.), such as understanding their responsibilities and risks in the relevant enterprises. This type of report shows only some information that is related to the individual, such as the shareholding structure, external guarantees, etc.

Special inquiry version: customized reports for specific purposes or occasions, such as overseas bill of lading report, overseas enterprise credit evaluation report, Chinese product import and export analysis report, etc. According to different needs, this kind of report collects and analyzes relevant data and provides professional solutions.

What is the role of corporate credit reporting?

As an authoritative and professional credit product, corporate credit reporting plays an important role in various fields. The following is an example of the use of corporate credit reporting in market research, investment and financing consulting andIPOApplications in areas such as listing consulting.

Market research: Market research refers to the collection and analysis of market-related data to provide customers with professional advice on market status, trends, opportunities and challenges. When conducting market research, corporate credit reports can be used as an important source of data to help consulting firms understand the main participants in the target market, competitive landscape, market share, financial status, risk levels and other information, so as to provide customers with more accurate, More comprehensive and more valuable market analysis reports. For example, Shangpu Consulting once provided China market research services for a European auto parts manufacturer. Among them, it used corporate credit reports to conduct in-depth investigations and analysis of major companies in China's auto parts industry, and provided customers with Professional advice on the development trend of the Chinese market, competitive strategies, and cooperation opportunities.

Investment and financing consulting: Investment and financing consulting refers to providing customers with professional services in investment decision evaluation, feasibility study report, business plan, financial model, project promotion, capital docking, etc. When conducting investment and financing consulting, the enterprise credit report can be used as an important evaluation basis to help the consulting company evaluate the credit status, financial status, operating status, development potential and other information of the target enterprise or project, so as to provide customers with more reasonable, more effective and safer investment and financing programs. For example, Shangpu Consulting once provided investment and financing consulting services for a well-known domestic new energy automobile manufacturer. Among them, it used the corporate credit report to conduct a comprehensive credit risk assessment and financial analysis of the target company or project, and provided customers with Investment feasibility study reports and business plans, and assisted customers in successful capital docking with many financial institutions.

IPO listing advisory:IPOListing advisory refers to providing customersIPOProfessional services in the areas of pre-counseling, feasibility studies of fundraising projects, preparation of prospectuses, listing filings and follow-up services. In progressIPOWhen listing consulting, the enterprise credit report can be used as an important audit material to help the consulting company and customers understand whether the target enterprise or project meets the listing conditions, whether there is a bad credit history or other hidden dangers, so as to provide customers with a smoother, more efficient and more successfulIPOListing Services. For example, Champ Consulting has provided services to a leading domestic manufacturer of semiconductor equipment.IPOListing consulting services, in which the enterprise credit report was used to conduct a comprehensive credit review and risk assessment of the target enterprise, and in accordance with the requirements of the CSRC and the exchange, the feasibility study report and prospectus of the fund-raising project in line with the norms and standards were prepared, and the client was assisted in completing the smooth listing application and audit.

What are the considerations for enterprise credit reporting?

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

Ensure the legality of the inquiry: the inquirer shall abide by the relevant laws and regulations and credit management regulations, and can only inquire about the enterprise information that has a legal interest or authorization relationship with him. The inquirer shall not abuse or disclose the information obtained from the inquiry, otherwise it will bear the corresponding legal responsibility.

Select query method: the inquirer can select different query methods, such as online query, telephone query, email query, on-site query, etc. The inquirer should choose the appropriate query method according to his own needs and conditions, so as to obtain faster, more convenient and more secure query service.

Check the query results: After obtaining the enterprise credit report, the inquirer should carefully check the query results, such as report number, report date, report type, report content, etc., to ensure the authenticity and accuracy of the query results. If errors or omissions are found in the query results, they shall promptly feedback to the credit reporting agency and provide relevant supporting materials, and require the credit reporting agency to verify and correct them.

Understanding the query results: When using the enterprise credit report, the inquirer should correctly understand the meaning and function of the query results, such as credit rating, credit score, credit risk, etc., in order to avoid misunderstanding or misjudgment. If you are in doubt or do not understand the results of the inquiry, you should consult the credit bureau or professional and seek an explanation.

Summary

Enterprise credit report is a kind of document reflecting the credit status of enterprises and an important reference for all kinds of credit transactions. From the perspective of consulting companies, this paper interprets the classification, content, function and precautions of enterprise credit reports, and analyzes the enterprise credit reports in market research, investment and financing consulting andIPOApplications in areas such as listing consulting.