Project background:

A CNC machine tool company is a high-tech enterprise specializing in the research and development, production and sales of CNC machine tools. It has a number of national patents and independent intellectual property rights. Its products are widely used in aviation, aerospace, automotive, military and other fields. The company's performance has grown steadily in recent years, and its market share has continued to increase, but it is also facing fierce competition and financial pressure.

Customer pain points:

In order to expand the scale of production and improve the level of technology, the enterprise needs to apply for a loan from the bank to buy new equipment and raw materials. However, because the enterprise does not have a perfect credit management system and does not submit relevant information to the credit system in time, its credit record is missing or incomplete, which affects the bank's judgment of its credit status and loan approval.

Project purpose:

The enterprise entrusts Shangpu Consulting to provide it with credit reporting business, the purpose is to provide it with comprehensive, accurate and objective credit information through professional credit investigation and analysis, to help it improve credit transparency, enhance the bank's confidence in its credit evaluation, and promote its access to loan support.

Research object:

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

The enterprise itself, including its basic information, operating conditions, financial status, credit records, etc;

The main customers, suppliers, partners, etc. of the enterprise, including its transactions with the enterprise, performance, evaluation, etc;

The market situation, competition pattern and development trend of the industry in which the enterprise is located;

Policies and regulations, industry standards, risk factors, etc. related to the enterprise.

According to the project requirements and feasibility analysis, the number of research objects planned for the project is30around.

Project Content:

The main contents of the project include the following aspects:

Collect and verify the relevant information of the rating object, including business license, organization code certificate, tax registration certificate and other legal documents; financial statements, audit reports, creditor's rights and debt lists and other financial information; credit information such as transaction records with banks, other financial institutions and credit reporting systems; transaction contracts, performance certificates, evaluation opinions and other transaction information with third-party institutions such as customers, suppliers and partners; and other information relating to ratings.

Analyze the operating and financial status of the rating object, including revenue scale, profit level, cost structure, cash flow, solvency, profitability, growth capacity and other indicators, and compare and analyze with the same industry or the same category of enterprises.

Analyze the market situation and development trend of the industry in which the rating object is located, including market size, market demand, market competition, market risk and other factors, and evaluate the position and advantages of the rating object in the industry.

Analyze the credit status and credit risk of the rating object, including credit history, credit rating, credit management, credit culture, etc., and identify and evaluate internal and external risk factors that may affect the credit of the rating object.

Comprehensive evaluation of the credit level of the rating object, according to the rating standards and methods of Shangpu consulting, determine the credit rating of the rating object, and give rating opinions and suggestions.

Project Value:

The main value of the project is reflected in the following aspects:

It provides comprehensive, accurate and objective credit information for rating objects, improves their credit transparency, enhances their communication with banks and other financial institutions, and helps them obtain more credit support and preferential conditions.

It provides important decision-making reference for banks and other financial institutions, helps them better understand and evaluate the credit status and credit risk of rating objects, reduces the cost and risk of loan approval, and improves the efficiency and quality of their loan business.

It provides an opportunity for Shangpu Consulting to demonstrate its professional capabilities and service levels, enhances its brand image and market influence in the field of credit rating, and expands more business cooperation opportunities for it.