The concept, content and function of 1. credit report.

A credit report is an information product that is collected, organized, analyzed and evaluated by a professional organization or department in accordance with certain standards and procedures, and provided to the parties concerned in written or electronic form. Credit report is an indispensable information tool in the market economy, which plays an important role in promoting trust and cooperation between market subjects, reducing transaction costs, maintaining market order and protecting the rights and interests of consumers.

Credit reports generally include the following:

（1) Basic information. Including the name, address, contact information, registered capital, legal representative, shareholder structure, business scope, etc. of the enterprise or individual.

（2) Credit History. Including the repayment, performance, breach of contract, litigation, etc. of enterprises or individuals in financial institutions, suppliers, customers, tax departments, judicial departments, etc.

（3) Operating conditions. This includes the financial position, balance sheet, profitability, solvency, cash flow position, etc. of the enterprise or individual.

（4) Social responsibility. Including the performance and evaluation of enterprises or individuals in environmental protection, energy conservation and emission reduction, charity, employee welfare, consumer rights protection, etc.

（5) Brand image. Including the performance and evaluation of the popularity, reputation, influence and loyalty of enterprises or individuals in the market.

The main functions of credit reporting are as follows:

（1) to provide information. Credit reports provide market entities with comprehensive, accurate and timely information, which helps market entities understand their own and others' credit status, enhance information transparency, and reduce information asymmetry.

（2) Evaluate the risk. By analyzing and rating the credit status of market subjects, credit reports provide market subjects with an objective measure of risk, which helps market subjects to identify and control risks and avoid credit losses.

（3) Incentive Credit. Credit report provides an effective credit incentive mechanism for market subjects by publicizing and disseminating the credit status of market subjects, which helps market subjects to establish and maintain good credit records and improve credit levels.

（4) Protection of rights and interests. By supervising and restricting the credit status of market subjects, credit reports provide a powerful credit protection mechanism for market subjects, which helps market subjects to safeguard their legitimate rights and interests and sanction bad credit behavior.

The Influence Mechanism of 2. Credit Report on Corporate Social Responsibility and Brand Image

Corporate social responsibility refers to a concept and practice that enterprises make contributions to the sustainable development of society through voluntary behaviors and activities while pursuing economic interests, taking into account their influence and responsibilities on society, environment and stakeholders. Enterprise brand image refers to a comprehensive impression formed by the enterprise in the public mind, including the characteristics, value and emotion of the enterprise. Corporate social responsibility and brand image are two inseparable aspects of enterprise development, which influence and promote each other.

As an information product, credit report can reflect the social responsibility and brand image of enterprises, and have an impact on them. Specifically, the influence mechanism of credit report on corporate social responsibility and brand image mainly has the following aspects:

（1) Information transmission. Credit reports can convey to the public the information of enterprises in fulfilling their social responsibilities and shaping their brand image, including the performance and evaluation of enterprises in environmental protection, energy conservation and emission reduction, public welfare and charity, employee welfare, consumer rights protection, etc., as well as the performance and evaluation of enterprises in terms of popularity, reputation, influence and loyalty in the market. This information can affect the public's perception and attitude towards the enterprise, thus affecting the transactions and cooperation between the public and the enterprise.

（2) reputation building. Credit reports can help companies build and enhance their reputation, both economic and social. Economic reputation refers to the credibility of an enterprise in financial institutions, suppliers, customers, etc., reflecting the enterprise's repayment ability, performance ability, business ability and so on. Social reputation refers to the reputation of an enterprise in all walks of life, which reflects the enterprise's sense of social responsibility, moral standards, civic awareness and so on. Credit report can evaluate and publicize the economic reputation and social reputation of enterprises, so as to promote enterprises to improve their reputation level, so as to improve their social responsibility level and brand image level.

（3) competitive advantage. Credit reporting can create and enhance competitive advantages for enterprises, including cost advantages and differentiation advantages. Cost advantage refers to the enterprise by reducing transaction costs to improve competitiveness, such as by improving the level of credit to reduce financing costs, procurement costs, sales costs and so on. Differentiation advantage means that enterprises improve their competitiveness by providing unique value, such as improving customer satisfaction, loyalty, word-of-mouth and so on through fulfilling social responsibility. Credit report can display and spread the cost advantage and differentiation advantage of enterprises, so as to promote enterprises to improve their competitive advantage, so as to improve their social responsibility level and brand image level.

（4) Innovation-driven. Credit report can encourage enterprises to innovate and improve, including product innovation, service innovation, management innovation and so on. Product innovation refers to the development of new or improved products to meet market demand and consumer expectations, such as the development of environmentally friendly, energy-saving, intelligent products to respond to social and consumer needs. Service innovation refers to companies that increase customer value and satisfaction by providing new or improved services, such as enhancing customer experience and loyalty by providing personalized, customized, and diversified services. Management innovation refers to the enterprise through the adoption of new or improved management methods to improve organizational efficiency and effectiveness, such as through the establishment of credit management system, social responsibility management system, brand management system to regulate and optimize the internal operation of enterprises. Credit report can evaluate and feedback the innovation and improvement of enterprises, so as to promote the continuous innovation and improvement of enterprises, so as to improve their social responsibility level and brand image level.

Case Analysis of 3. Shangpu Consulting Company

Shangpu Consulting Company is a company specializing in credit management consulting services, providing customers with credit reporting, credit rating, credit risk management, credit training and other services. The company takes "professionalism, integrity and innovation" as its core values, "creating value for customers and taking responsibility for society" as its mission, and "becoming the most influential credit management consulting company in China" as its vision.

Shangpu Consulting uses credit reports to provide customers with professional credit management consulting services to help customers improve their credit level, enhance their sense of social responsibility and brand influence. Specific practices are as follows:

（1) to provide customers with customized credit reports. According to the different needs and characteristics of customers, Shangpu Consulting provides customers with customized credit reports, including their own credit reports, counterparty credit reports, partner credit reports, etc. These credit reports can help customers fully understand their own and others' credit status, discover their own strengths and weaknesses, analyze others' strengths and weaknesses, and make reasonable strategies and decisions.

（2) to provide customers with professional credit ratings. According to the internationally accepted rating standards and methods, Shangpu Consulting provides customers with professional credit rating, including comprehensive credit rating, financial credit rating, social responsibility rating, etc. These credit ratings can help customers quantify their own and others' credit levels, compare their own and others' credit differences, and determine their position and competitiveness in the market.

（3) to provide customers with effective credit risk management. According to the different types and degrees of credit risk faced by customers, Shangpu Consulting provides customers with effective credit risk management, including credit risk identification, credit risk assessment, credit risk control, credit risk response, etc. These credit risk management can help customers detect and prevent credit risk in a timely manner, reduce credit losses, and protect credit interests.

（4) Provide practical credit training to customers. According to the different levels and positions of customers, Shangpu Consulting provides practical credit training for customers, including credit knowledge training, credit skills training, credit culture training, etc. These credit trainings can help customers improve their credit awareness, credit ability, credit literacy, and form good credit habits and credit atmosphere.

Through the above services, Shangpu Consulting Company not only creates economic value for customers, but also creates social value for customers. On the one hand, Shangpu Consulting helps customers improve their credit level, reduce transaction costs, increase market opportunities, and improve operating efficiency. On the other hand, Shangpu Consulting Company helps customers improve their social responsibility level, enhance their sense of social responsibility, enhance their brand image, and win social respect.

4. Conclusion

Credit report is an important information carrier in the business activities of enterprises, which can reflect the social responsibility and brand image of enterprises, and have an impact on them. Enterprises should pay attention to the role of credit reports, the use of credit reports to enhance their social responsibility and brand image. Shangpu Consulting Company is a typical case. The company uses credit reports to provide customers with professional credit management consulting services to help customers improve their credit level, enhance their sense of social responsibility and brand influence. This approach is not only in line with the interests of enterprises themselves, but also in line with the interests of society, is a model of sustainable development.