Project background:

A metal door and window enterprise is a comprehensive enterprise specializing in the design, production, installation and service of metal doors and windows. Its main products include aluminum alloy doors and windows, broken bridge aluminum alloy doors and windows, aluminum clad wood doors and windows, etc. The company was established in 2010 and currently has 10 production bases and 20 distribution outlets across the country, with annual sales reaching 1 billion yuan. The company has a high reputation and brand influence in the industry, and its product quality and service level have been recognized and praised by customers.

Customer pain points:

The main problems faced by the enterprise are the following two aspects:

-First, the market competition is becoming increasingly fierce, and it is necessary to continuously explore new market channels and customer resources to increase market share and income levels. However, due to the lack of effective credit report, the enterprise in business negotiations with new partners, it is difficult to show their credibility and strength, but also difficult to understand the other party's credit status and risk level, resulting in cooperation opportunities and efficiency is affected.

-Second, the demand for funds is increasing, and external financing channels need to be continuously sought to optimize the capital structure and cost. However, due to the lack of effective credit reporting, it is difficult for the enterprise to provide adequate credit guarantees, lower interest rates and better conditions when applying for loans or other financing methods from banks or other financial institutions, resulting in increased financing difficulties and costs.

Project purpose:

In August 2023, the enterprise commissioned Shangpu Consulting to provide it with credit reporting services, the main purpose of the following two aspects:

-First, through the professional credit evaluation methods and tools of Shangpu Consulting Company, a comprehensive, objective and accurate credit report is produced for the enterprise, including the basic information, financial status, operating status, legal status, social responsibility and other aspects of the enterprise, and gives the corresponding credit rating and evaluation. The report can be used as an important basis for the company to conduct business negotiations with potential partners, helping the company to show its own advantages and strength, increase the trust and willingness to cooperate with each other, thereby expanding market channels and customer resources.

-Second, through the professional credit investigation methods and tools of Shangpu Consulting Company, it provides the enterprise with the credit report of potential partners or financiers, including the other party's basic information, financial situation, operating status, legal status, social responsibility and other aspects, and gives the corresponding credit rating and evaluation. The report can be used as an important basis for risk assessment and decision-making between the enterprise and potential partners or financiers, helping the enterprise to understand each other's credit status and risk level in a timely manner, avoiding bad cooperation or financing events, and thus improving cooperation efficiency and financing effectiveness.

Research object:

The research object of the project mainly includes the following two categories:

-First, the enterprise itself, including the enterprise's legal representative, senior management personnel, financial personnel, production personnel, sales personnel, etc., a total of about 50 people. Through interviews, questionnaires and observations of these personnel, relevant information and data of the enterprise are collected for credit assessment and report production.

-The second is the potential partners or financiers of the enterprise, including the main competitors, suppliers, customers, banks, financial institutions, etc. in the industry in which the enterprise is located, totaling about 100. Through interviews, questionnaires and observations of these institutions, relevant information and data are collected, credit surveys and report production are conducted.

Project Content:

The main contents of the project include the following aspects:

-First, the selection and design of credit assessment methods and tools. According to the characteristics and needs of the enterprise, select the appropriate credit evaluation methods and tools, such as credit scoring model, credit rating standard, credit evaluation index system, etc., and carry out the corresponding design and optimization to ensure the scientificity and effectiveness of credit evaluation.

-Second, the production and presentation of credit reports. According to the collected information and data, credit evaluation methods and tools are used to evaluate the credit of the enterprise and its potential partners or financiers, and the evaluation results are compiled into a clear, standardized and professional credit report, including text description, data research, chart display and other contents, and the corresponding credit rating and evaluation are given.

-Third, the delivery and service of credit reports. Deliver the prepared credit report to the enterprise in a timely manner, explain and explain the contents of the report in detail, answer the questions and doubts that the enterprise may raise, and make necessary modifications and improvements to the contents of the report based on the feedback and suggestions of the enterprise. At the same time, it provides follow-up tracking services for the enterprise and regularly updates the report to reflect the latest credit status and changes of the enterprise and its potential partners or financiers.

Project Value:

-One is to enhance the credibility and image of the enterprise. Through the professional credit report of Shangpu Consulting Company, the enterprise can show its advantages and strength in terms of excellent financial situation, stable operation, good legal situation and high social responsibility to the outside world, enhance its popularity and brand influence in the industry, and enhance its reputation and image.

-The second is to expand the market channels and customer resources of the enterprise. Through the professional credit report of Shangpu Consulting Company, the company can provide strong credit guarantee when conducting business negotiations with potential partners, increase the trust and willingness of the other party, and promote more cooperation opportunities and effects. At the same time, through the professional credit report of Shangpu Consulting Company, the enterprise can timely understand the credit status and risk level of potential partners, avoid adverse cooperation events with bad partners, so as to protect its own interests and reputation.

The third is to optimize the capital structure and cost of the enterprise. Through the professional credit report of Shangpu Consulting, the enterprise can provide strong credit guarantee when applying for loans or other financing methods from banks or other financial institutions, obtain lower interest rates and better conditions, thus reducing financing costs and risks. At the same time, through the professional credit report of Shangpu Consulting, the enterprise can timely understand the credit status and risk level of potential financiers, avoid adverse financing events with bad financiers, so as to protect its own interests and reputation.