Enterprise credit report is a comprehensive instrument reflecting the credit status of enterprises, and it is the basic product of enterprise credit system. This paper introduces the definition, content, type and acquisition method of enterprise credit report, analyzes the role and value of enterprise credit report in bidding, finance, trade and other fields, and combines the practical experience of Shangpu Consulting in market research, investment and financing consultation, IPO listing consultation and other aspects, it shows the application cases of enterprise credit reporting in enhancing the competitiveness of enterprises, reducing transaction risk and promoting economic development.

1. what is a corporate credit report.

Enterprise credit report is a comprehensive document that reflects all kinds of economic activities of enterprises and records the credit status of enterprises in a comprehensive, accurate and timely manner, and is the basic product of enterprise credit system. The enterprise credit information system refers to the system established by the state or social organization to collect, sort out, process and provide all kinds of information about the enterprise, its legal representative, actual controller and other relevant subjects, and provide decision-making reference and service for all kinds of transaction activities.

The enterprise credit report mainly includes the following contents:

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

Information on the shareholding structure of the enterprise: including the name of the shareholder, the proportion of capital contribution, the mode of capital contribution, etc.

Corporate financial information: including balance sheet, profit statement, cash flow statement, etc.

Enterprise credit information: including the name of the lending institution, loan amount, loan term, loan balance, repayment status, etc.

Enterprise guarantee information: including guarantee method, guarantee amount, guarantee period, name of the guarantor, etc.

Bad information of enterprises: including tax arrears records, administrative penalty records, judicial decision records, etc.

Other information of the enterprise: including patent information, trademark information, honor information, etc.

What are the types of credit reports for 2. companies?

Depending on the relationship between the inquirer and the person being inquired, as well as the purpose of the inquiry and the scope of use, corporate credit reports can be divided into the following types:

Self-query version: A report that is queried and printed or downloaded by the person being queried, mainly used to understand their own credit records or provide them to the counterparty for reference.

Authorized inquiry version: a report authorized by the inquirer to inquire and print or download, mainly used to meet the needs of the counterparty to understand the credit information of the inquirer.

Post-loan supervision version: A report that is regularly or irregularly inquired and printed or downloaded by the lending institution in accordance with the contract, mainly used to monitor the credit status and repayment ability of loan customers.

Financial Institution Edition: A report that is queried and printed or downloaded by a financial institution during the credit approval or risk management process, mainly used to assess the credit rating and risk level of loan customers.

Bidding version: a report queried and printed or downloaded by the tenderer or bidder in the bidding activity, mainly used to evaluate the qualification and reputation of the bidder.

How to obtain the credit report of the 3. enterprise.

The main ways to obtain enterprise credit reports are as follows:

Online query: through the People's Bank of China credit center website 6 or other cooperative institutions website, the use of digital certificates or other authentication methods to query.

Network inquiry: through the credit sub-center of the people's Bank of China or other cooperative institutions, use identity documents or other valid documents to inquire.

Self-service inquiry: through the self-service inquiry machine set up by the credit sub-center of the people's Bank of China or other cooperative institutions, use identity documents or other valid documents to inquire.

Entrusted inquiry: by entrusting the credit sub-center of the people's Bank of China or other cooperative institutions to make inquiries, it is necessary to provide materials such as power of attorney, identity documents or other valid documents.

The role and value of credit reporting of 4. enterprises.

Enterprise credit report is an important record and proof of enterprise economic activities, and an important basis for enterprises to participate in various trading activities. Corporate credit reporting has a wide range of roles and values in bidding, finance, trade and other fields, mainly in the following areas:

Enhance the competitiveness of enterprises: enterprise credit report can show the strength and reputation of enterprises, enhance the market image and brand influence of enterprises, and improve the competitive advantage of enterprises in bidding, finance, trade and other fields.

Reduce transaction risk: Enterprise credit report can help enterprises understand the basic situation and credit status of the counterparty, predict the performance ability and risk level of the counterparty, avoid or reduce transaction risk and loss.

Promote economic development: corporate credit reporting can promote information sharing and transparency between enterprises, enhance mutual trust and cooperation between enterprises, stimulate market vitality and innovation capabilities, and promote economic development and social progress.

5. Shangpu Consulting's practical experience in corporate credit reporting.

Shangpu Consulting is one of the most leading and authoritative independent third-party research and investment and financing consulting institutions in China. It has rich professional experience and customer resources in the fields of market research, investment and financing consulting, and IPO listing consulting. When providing various consulting services to customers, Shangpu Consulting will make full use of the important tool of corporate credit reporting to provide customers with efficient, professional and accurate solutions. The following are some of the application cases of Shangpu Consulting in corporate credit reporting:

Market research: Champu Consulting provided a new product market research project for a well-known domestic appliance manufacturer, which involved the selection of multiple potential partners.

By querying the enterprise credit report, Shangpu Consulting conducted a comprehensive analysis and comparison of the basic information, financial information, credit information, guarantee information, bad information, etc. of multiple potential partners, providing customers with the best partner recommend list and cooperation recommendations.

Investment and financing consulting: Shangpu Consulting provides investment and financing consulting services for an overseas investment project for a leading domestic new energy vehicle manufacturer, which involves the evaluation and selection of multiple overseas target companies.

By querying corporate credit reports, Shangpu Consulting conducted in-depth analysis and evaluation of basic information, financial information, credit information, guarantee information, and bad information of multiple overseas target companies, providing customers with the best investment target screening program And investment plan.

IPO listing consulting: Shangpu Consulting provides an IPO listing consulting service for a well-known domestic Internet financial platform. The project involves the selection and declaration of multiple domestic and foreign listed exchanges.

By querying corporate credit reports, Shangpu Consulting has conducted a detailed analysis and comparison of the basic situation, regulatory requirements, and listing conditions of multiple domestic and foreign listed exchanges, and provided customers with the most suitable listing exchange selection plan and listing Declarations.

6. epilogue

Enterprise credit report is a comprehensive instrument reflecting the credit status of enterprises, and it is the basic product of enterprise credit system. Enterprise credit report has a wide range of functions and values in bidding, finance, trade and other fields, which can enhance the competitiveness of enterprises, reduce transaction risks and promote economic development. As one of the most leading and authoritative independent third-party research and investment and financing consulting institutions in China, Shangpu Consulting has rich professional experience and customer resources in market research, investment and financing consulting, IPO listing consulting and other fields. make full use of the important tool of enterprise credit report to provide customers with efficient, professional and accurate solutions.