What is a corporate credit report?

Enterprise credit report is a comprehensive record of all kinds of economic activities of enterprises, reflecting the credit status of enterprises, is the basic product of enterprise credit system. The enterprise credit report objectively records the basic information, credit information and other information reflecting its credit status, and reflects its credit status in a comprehensive, accurate and timely manner, which is the subject of information.“economic identity card”。

Generally speaking, the enterprise credit report includes the following aspects:

Enterprise basic information: including enterprise name, unified social credit code, registered address, legal representative, registered capital, business scope, etc;

Enterprise financial information: including the enterprise's balance sheet, profit statement, cash flow statement, etc;

Enterprise credit information: including the enterprise's loan records, guarantee records, bad records, etc;

Other information of the enterprise: including administrative penalty records, litigation records, tax records, etc.

Why do you need a corporate credit report?

In a market economy, information asymmetry is an important cause of increased transaction costs and reduced efficiency. In order to solve this problem, it is necessary to establish an effective information disclosure and sharing mechanism, and corporate credit reporting is an important part of this mechanism. By providing reliable third-party information, corporate credit reporting can provide the following functions for various market entities:

Provide financial institutions with a basis for lending decisions. Financial institutions can assess the risk level of their loan applications by inquiring and analyzing the financial situation, repayment ability and willingness of enterprises, reasonably determine the loan amount, interest rate and term, and reduce bad debt losses.

Provide investment reference for investors. Investors can increase investment income by viewing and comparing the operating conditions, profitability and development prospects of different enterprises, choosing suitable investment objects and investment methods.

Provide cooperation guarantee for partners. Partners can reduce cooperation risks by verifying and monitoring the enterprise's compliance capacity and performance records, selecting reliable partners and cooperation models.

Provide consumer guidance. Consumers can choose satisfactory consumer goods and service providers to protect consumer rights and interests by understanding and evaluating the product quality, service level and social responsibility of enterprises.

Provide regulatory basis for the government. The government can formulate reasonable policies and measures to standardize the market order and promote social equity by collecting and sorting out the legal compliance, tax payment and social impact of enterprises.

How do I get a corporate credit report?

At present, China's corporate credit reports are mainly provided by the following types of institutions:

Credit Reference Center of the People's Bank of China. The Credit Information Center of the People's Bank of China is a state-level credit institution, which mainly collects and processes the credit information of enterprises provided by financial institutions and generates enterprise credit reports. Enterprises can obtain their own or others' enterprise credit reports through self-service inquiry machines, online inquiry systems or entrusted inquiry services.

Credit China website. The Credit China website is a national-level credit information sharing platform authorized by the State Council. It mainly collects and displays basic information, administrative license information, administrative penalty information, and information on untrustworthy persons subject to enforcement provided by government departments, judicial organs, and industry associations. Generate corporate credit information reports. Anyone can obtain the enterprise credit information report of any enterprise free of charge through the online inquiry system.

Commercial credit agencies. Commercial credit agencies are market-oriented credit service providers, mainly collecting and processing the financial information, business information, cooperation information, etc. of enterprises provided by various market entities, and generating enterprise credit assessment reports. Anyone can obtain their own or someone else's business credit assessment report by paying a fee.

How do consulting firms provide professional credit services to enterprises?

In addition to the above types of institutions, there are some professional consulting companies, such as Shangpu Consulting, which can provide enterprises with more customized and in-depth credit services. Shangpu Consulting is one of the most leading and authoritative independent third-party research and investment and financing consulting institutions in China, with rich market research, investment consulting,IPOExperience and resources such as listing consulting can provide enterprises with the following services:

Prepare professional corporate credit reports for enterprises. According to the needs and objectives of customers, Shangpu Consulting can use scientific methods and tools to collect and analyze all kinds of information of customers and their competitors, prepare comprehensive, accurate, timely and continuous enterprise credit reports, and provide customers with objective, True and effective third-party certification.

For enterprises to enhance the professional corporate credit image. According to the current situation and problems of customers, Shangpu consulting can put forward reasonable suggestions and measures to help customers improve their financial situation, optimize operation and management, standardize legal compliance, fulfill social responsibility, etc., and enhance the credit image of customers in financial institutions, investors, partners, consumers, government and other aspects.

Expand professional corporate credit opportunities for businesses. According to the client's development goals and strategies, Shangpu Consulting can use its own market research, investment consulting,IPOExpertise and resources in the field of listing consulting, etc., to find and recommend suitable market opportunities and partners for customers, and to help customers use their own advantages and characteristics to achieve market expansion and value growth.

For which clients has Champ Consulting provided professional credit services?

Champ Consulting has a wealth of cases and achievements in providing professional credit services to customers. Here are some typical customers and cases:

Bank of China. Bank of China is one of the largest state-owned commercial banks in China and one of the largest banks in the world. Shangpu Consulting has provided Bank of China with a number of credit services, including the preparation of a number of corporate credit reports, credit risk assessment and credit opportunity analysis in a number of domestic and foreign markets, and credit due diligence and credit program design for a number of major projects.

Alibaba Group. Alibaba Group is one of the largest e-commerce platforms in China and one of the largest Internet companies in the world. Shangpu Consulting has provided Alibaba Group with a number of credit and credit services, including the preparation of a number of corporate credit and credit reports, the credit evaluation and credit advice of a number of potential investment targets and partners, and the credit planning and credit execution of a number of listing and M & A projects.

Summary

Enterprise credit report is an important instrument reflecting the credit status of enterprises and an important basis for enterprises to carry out all kinds of credit transactions. Enterprises can obtain their own or others' credit reports through different institutions in order to make reasonable decisions and actions. At the same time, enterprises can also obtain more customized and in-depth credit services through professional consulting companies, such as Shangpu Consulting, in order to enhance their credit image, reduce their credit risk, and expand their own market opportunities.