Project background:

The leather luggage industry is an important part of China's light industry and one of the main products exported by China. In recent years, with the changes in domestic and foreign market demand and the intensification of competition, leather luggage companies are facing many challenges, such as fluctuations in raw material prices, tightening of environmental protection policies, insufficient brand building, and increased financing difficulties. In order to improve the credit level and market competitiveness of leather luggage enterprises, and enhance their trust with financial institutions, suppliers, customers and other partners, it is necessary to conduct a comprehensive, objective and fair credit evaluation.

Customer pain points:

A leather luggage enterprise (hereinafter referred to as the customer) is a private enterprise specializing in the production of various types of leather products, established in2005Year, with its own brand and multiple sales channels. The customer encountered the following problems in the course of operation:

Customers want to expand the scale of production, increase the development and promotion of new products, but lack sufficient financial support, to the bank to apply for loans encountered difficulties, the bank requires a detailed credit report, but the customer does not have the relevant expertise and ability to prepare their own;

Customers often encounter credit risks when trading with upstream and downstream partners, such as supplier delays in delivery, customer defaults on payment, contract disputes, etc., resulting in cash flow difficulties for customers, affecting their reputation and profits;

Customers need to provide relevant credit documents when participating in domestic and foreign bidding, bidding and other activities, but the customer does not have relevant supporting materials or the supporting materials are not perfect, resulting in the loss of some favorable business opportunities.

Project purpose:

In order to solve the customer's pain point problem, the customer entrusts Shangpu Consulting Company (hereinafter referred to as Shangpu) to provide professional credit reporting services. The service is designed:

Assess the customer's credit rating and credit risk through a comprehensive, in-depth and systematic investigation and analysis of the customer's basic situation, financial situation, operating status, credit status, etc;

Through detailed, accurate and timely research and prediction of the market environment, competition pattern and development trend of the customer's industry, evaluate the customer's market position and development potential;

Through detailed, fair and standardized verification and verification of the transaction records, contract performance and dispute settlement between the customer and the upstream and downstream partners, the customer's transaction credit and cooperation ability are evaluated;

Through the comprehensive summary and induction of the above aspects, a complete, standardized and authoritative credit report is formed to provide customers with letters of credit and credit advice, help customers improve their credit level and market competitiveness, enhance the trust between customers and financial institutions, suppliers, customers and other partners, and expand the business development space of customers.

Research object:

The research objects of this project mainly include the following categories:

The customer itself, including the customer's legal representative, senior management, financial personnel, production personnel, sales personnel, etc;

The upstream and downstream partners of the customer, including the customer's main suppliers, main customers, main competitors, etc;

Relevant organizations of the customer's industry, including industry associations, industry media, industry experts, industry regulatory authorities, etc;

Other relevant parties of the customer, including the customer's bank, tax, industry and commerce, court, etc.

The number of research objects of this project is50of which the customer itself is1The upstream and downstream partners are30industry-related organizations are15Other related parties are4A.

Project Content:

The main contents of this project are as follows:

By consulting the relevant documents provided by the customer, such as business license, organization code certificate, tax registration certificate, financial statements, business report, contract text, etc., to understand the basic situation of the customer, such as registered capital, equity structure, organizational structure, business scope, main products, etc;

By visiting the customer's legal representative, senior management, financial personnel, etc., to understand the customer's financial situation, such as assets and liabilities, income and expenditure, profit distribution, cash flow, etc;

By visiting the customer's production personnel, sales personnel, etc., to understand the customer's business status, such as production scale, production capacity, production efficiency, production costs, sales channels, sales quota, sales profit, etc;

By visiting the customer's main suppliers, main customers, etc., to understand the customer's credit status, such as transaction history, transaction amount, transaction period, transaction method, payment terms, payment records, etc;

Understand the market environment of the customer's industry, such as market size, market demand, market structure, market share, etc., by visiting the customer's main competitors;

Through visits to industry associations, industry media, industry experts, etc., to understand the competitive landscape of the customer's industry, such as the number of competitors, the characteristics of competitors, the advantages and disadvantages of competitors, etc;

Through visits to industry associations, industry media, industry experts, etc., to understand the development trend of the customer's industry, such as industry policy change impact analysis.

Okay, the rest is as follows:

By visiting industry regulators, banks, taxation, industry and commerce, courts, etc., to understand the customer's compliance status, such as whether there are violations of laws and regulations, whether there are tax arrears, whether there is litigation and arbitration, etc;

Through a comprehensive analysis of the customer's basic situation, financial situation, business status, credit status, market environment, competitive landscape, development trends, compliance status and other aspects of information, the use of professional rating methods and standards, to determine the customer's credit rating and credit risk;

Assess the customer's market position and development potential by comparing and analyzing the credit rating and credit risk of the customer with other enterprises in the same industry;

By summarizing the credit advantages and disadvantages of customers, and putting forward credit suggestions and improvement measures to help customers improve their credit level and market competitiveness;

Through the formation of a complete, standardized and authoritative credit report, we provide customers with letters of credit and credit advice, help customers establish trust relationships with financial institutions, suppliers, customers and other partners, and expand their business development space.

Project Value:

This project provides the following value to the customer:

It provides customers with a professional credit report, which provides an important basis for customers to apply for loans from banks and increases the possibility and preferential conditions for customers to obtain loans;

It provides customers with a comprehensive credit analysis, provides an effective reference for customers to conduct transactions with upstream and downstream partners, and reduces customers' transaction risks and transaction costs;

It provides customers with an authoritative credit certificate, provides strong support for customers to participate in domestic and foreign bidding, bidding and other activities, and increases the opportunities and advantages for customers to win business opportunities;

It provides customers with a detailed credit advice, provides useful guidance for customers to improve their credit status, and helps customers improve their credit level and market competitiveness.