Project background:

Lithium battery pole piece is one of the core components of lithium batteries, and its quality and performance directly affect the safety, energy density and cycle life of lithium batteries. Lithium battery pole film industry is a high-tech, high-input, high-risk industry, which requires a large number of research and development, production, testing equipment and talents, but also faces multiple challenges such as market competition, environmental protection policies, raw material price fluctuations and so on.

Customer pain points:

A state-owned commercial bank (hereinafter referred to as the customer) is a financial institution filed with the China Securities Regulatory Commission, mainly engaged in various types of financial business, including public loans, personal loans, bill discounting and so on. When carrying out the public loan business, the customer needs to conduct a comprehensive credit assessment of the borrowing enterprise to determine its repayment ability and willingness to repay, and to formulate a reasonable loan amount, interest rate and term.

The customer recently received a loan application from a lithium battery pole piece manufacturer (hereinafter referred to as the borrowing enterprise), and the borrowing enterprise wishes to obtain1RMB billion in working capital loans to expand production scale and increase market share. The borrowing enterprise provided its business license, financial statements, bank flow and other relevant materials, and claimed that it had good business conditions, market prospects and repayment ability.

After a preliminary review of the materials of the borrowing enterprise, the customer found that it had the following problems:

Borrowing enterprises set up a short time, only more than two years of history, the lack of stable business records and credit records;

Borrowing enterprises in the lithium battery polar film industry competition is fierce, the market concentration is high, the first three enterprises occupy82%market share4Borrowing enterprises belong to small and medium-sized enterprises, the market share is low, facing greater market pressure and risk;

The financial position of the borrowing enterprise is poor. Although the operating income and net profit show an increasing trend, the asset-liability ratio is high, reaching75%Both the current ratio and the quick ratio are lower.1, indicating that its solvency is weak and liquidity is tight;

The bank flow of the borrowing enterprise shows that it often has overdraft, overdue repayment, default on supplier payment, etc., reflecting its weak willingness to repay and high credit risk.

The customer has doubts about the creditworthiness of the borrowing company and is concerned that it will not be able to repay the principal and interest of the loan on time, causing losses to the customer. Customers want a more detailed, in-depth and professional credit report for more accurate credit assessment and risk control of the borrowing enterprise.

Project purpose:

Shangpu Consulting accepts the client's entrustment to provide it with a credit report on the borrowing enterprise, the main purpose of which is:

Through a comprehensive, in-depth and professional analysis of the basic situation, operating conditions, financial conditions, market conditions, industry conditions and other aspects of the borrowing enterprise, to assess its credit level and risk level;

Through the macro analysis of the lithium battery pole film industry in which the borrowing enterprise is located, we can understand the impact and opportunities of the industry development trend, market scale, competition pattern, policy environment and other factors on the borrowing enterprise;

Evaluate the competitive advantages and disadvantages of the borrowing enterprise in the industry, as well as its future development potential and challenges, by comparing it horizontally with other enterprises in the same industry;

Through the comprehensive evaluation of the credit report of the borrowing enterprise, an objective, fair and professional credit rating is given, and corresponding suggestions and opinions are put forward to provide customers with important decision-making reference in the public loan business.

Research object:

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

Borrowing enterprise: through communication and visit with the borrowing enterprise, obtain its relevant materials and information, and conduct on-site inspection and verification;

Other enterprises in the same industry: by collecting public information of other enterprises in the same industry or communicating and visiting with them, obtaining their relevant materials and information, and conducting horizontal comparison and analysis.

Project Content:

The main contents of this project include the following aspects:

Analysis of the basic situation of the borrowing enterprise: including the registration information, equity structure, organizational structure, management team, main products, production equipment, production process, quality control and other aspects of the borrowing enterprise;

Analysis of the operating conditions of the borrowing enterprise: including the marketing strategy, sales channels, customer structure, supplier structure, partners, major competitors, etc. of the borrowing enterprise;

Analysis of the financial position of the borrowing enterprise: including the balance sheet, profit statement, cash flow statement and other financial statements of the borrowing enterprise, as well as various financial indicators and ratios;

Analysis of the market situation of the borrowing enterprise: including the development trend, market scale, competition pattern, policy environment and other aspects of the lithium battery polar film industry in which the borrowing enterprise is located, as well as the market share, market share and market position of the borrowing enterprise in the industry;

Analysis of the credit status of the borrowing enterprise: including the credit history, credit rating, credit risk, credit protection and other aspects of the borrowing enterprise, as well as the repayment ability and willingness of the borrowing enterprise;

Comprehensive evaluation of the credit report of the borrowing enterprise: according to the analysis of the above aspects, the credit rating of the borrowing enterprise is given, and the meaning and basis of the credit rating, as well as the credit risk and credit advice of the borrowing enterprise.

Project Value:

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

Provide customers with a comprehensive, in-depth and professional credit report, help customers to carry out more accurate credit assessment and risk control of borrowing enterprises, and provide customers with important decision-making reference in the business of public loans;

It saves a lot of time and cost for customers, avoids customers from collecting, sorting and analyzing the relevant information of borrowing enterprises, and improves the work efficiency and quality of customers;

It increases the security and reliability of credit transactions for customers, reduces the losses and risks that customers may suffer in the business of public loans, and protects the legitimate rights and interests of customers and the public interests of society;

It provides an opportunity for Shangpu Consulting to demonstrate its professional capabilities and service levels, enhances the visibility and influence of Shangpu Consulting in the field of credit reporting business, and wins more customers and markets for Shangpu Consulting. Promote the business development and value growth of Shangpu Consulting.