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".

What is the role of corporate credit reporting?

Corporate credit reporting plays an important role in all types of market players. For borrowers, corporate credit reports can help them understand their credit records, improve their credit awareness and management capabilities, enhance their communication and negotiation capabilities with financial institutions and other partners, and obtain more financing opportunities and Preferential terms. For lenders, corporate credit reporting can help them accurately assess the borrower's ability and willingness to repay, reduce loan risk, optimize loan structure and strategy, and improve loan efficiency and effectiveness. For other market entities, such as investors, suppliers, customers, partners, etc., corporate credit reports can help them understand the business status and development prospects of potential partners, enhance cooperation confidence and security, and promote market transactions and resource allocation.

How do consulting firms collect and organize corporate information?

As a professional enterprise information service provider, consulting companies have a variety of channels and methods to collect and organize enterprise information. In general, consulting firms follow the following process when producing corporate credit reports:

Clarify project objectives and scope. The consulting firm needs to determine the objectives, scope, timetable, budget and other basic elements of the project according to the customer's needs and expectations, and sign a contract with the customer.

Design data collection programs. Based on the project objectives and scope, the consulting firm needs to determine what types and dimensions of data need to be collected, as well as which channels and methods to use to collect data. In general, consulting firms use the following data sources:

Open data platform. These platforms include various official or authoritative data published or provided by government departments, regulatory agencies, industry associations, professional databases, etc., such as the National Bureau of Statistics, the People's Bank of China, the Industrial and Commercial Information Publicity System, Wind, CEIC, etc. The advantages of these data are high reliability, wide coverage, and easy access; the disadvantage is that they may not be timely, detailed, and professional enough.

Brokerage Research Report. These reports are in-depth analysis of listed companies or unlisted leading companies by securities firms, including the company's basic situation, financial situation, business model, competitive advantage, development strategy, risk factors, etc. The advantages of these reports are strong professionalism, good pertinence, and high update frequency; the disadvantages are that there may be subjective judgments, inconsistent data calibers, and low accessibility.

The company's annual report and prospectus. These documents are an important source of information for the company's external disclosure, including the company's basic information, business analysis, financial statements, business overview and other related content. The advantages of these documents are high authenticity, rich content, and standardized format; the disadvantage is that there may be lag, concealment, and incompleteness.

Interviews with experts. These interviews are interviews with industry experts or insiders through personal connections or third-party platforms to obtain their views and insights on the industry or business. The advantages of these interviews are high flexibility, strong depth, and the ability to obtain non-public information; the disadvantages are high cost, low efficiency, and difficult to guarantee reliability.

Questionnaire research. These surveys are conducted by consulting firms through the design of questionnaires, which are distributed and recycled to target groups (e. g., customers, consumers, employees, etc.), and the results are analyzed. The advantages of these surveys are strong standardization, good quantification, and the ability to obtain first-hand information; the disadvantages are that the design is difficult, the response rate is low, and the quality is difficult to control.

Implement data collection and collation. According to the data collection plan, the consulting company needs to use various channels and methods to collect the required data, and to clean, verify, classify and summarize the data, so as to facilitate subsequent analysis and presentation.

Analyze data and write reports. The consulting firm needs to analyze and interpret the collected and collated data and write a corporate credit report based on the project objectives and scope. The content of the report usually includes the following parts:

Project background and objectives. Introduce the background of the project and clarify the objectives and scope of the project.

Basic enterprise information. Introduce the basic information of the enterprise, such as name, address, legal representative, registered capital, establishment time, business scope, etc.

Corporate credit information. Introduce the credit history of the enterprise, such as loan type, amount, term, interest rate, repayment status, etc.

Other credit information of the enterprise. Introduce other information of the enterprise that reflects its credit status, such as administrative punishment, judicial litigation, tax violations, arrears and arrears, etc.

Enterprise credit evaluation. According to the credit information of the enterprise, the credit level of the enterprise is evaluated and the corresponding rating or score is given.

Project conclusions and recommendations. Summarize the main findings and conclusions of the project, and give corresponding suggestions or suggestions according to the needs and expectations of the customer.

The specific case of Champ Consulting Group.

In order to better show how the consulting company provides professional enterprise information solutions for customers, this article will be combined with the specific case of Shangpu Consulting Group to illustrate.

Case 1: Corporate credit reporting for a European automaker

One of its customers is a European automaker, which plans to expand its presence in the Chinese market and is looking to partner with a Chinese auto parts supplier. In order to assess the supplier's creditworthiness and potential for cooperation, the company commissioned the Champ Consulting Group to provide it with a corporate credit report.

According to the customer's needs and expectations, Shangpu Consulting Group has determined the basic elements of the project, such as the goal, scope, timetable and budget, and signed a contract with the customer. Then, Champ Consulting Group designed the data collection plan, identified the types and dimensions of data to be collected, and the data sources to be used. Specifically, the Champ Consulting Group used the following data sources:

Open data platform. Through the National Bureau of Statistics, the People's Bank of China, the Industrial and Commercial Information Publicity System and other platforms, Shangpu Consulting Group obtained the supplier's basic information, credit information and other credit information, such as registered capital, establishment time, business scope, loan amount, Repayment status, administrative penalties, etc.

Brokerage Research Report. Through Wind and other databases, Shangpu Consulting Group obtained the brokerage firm's analysis report on the supplier's industry and market, and learned about the supplier's competitive environment, market share, development trends, etc.

The company's annual report and prospectus. Through the supplier's official website and the CSRC website, Shangpu Consulting Group obtained the supplier's annual report and prospectus, and learned about the supplier's financial situation, business analysis, business overview, etc.

Interviews with experts. Shangpu Consulting Group interviewed the supplier's executives, customers, competitors and other relevant people through a third-party platform to obtain their evaluation and views on the supplier, as well as their willingness and conditions for cooperation.

Questionnaire research. Through the design of the questionnaire, the Shangpu Consulting Group issued and recovered the supplier's employees, and analyzed the results to understand the supplier's organizational climate, employee satisfaction, and talent turnover rate.

After the implementation of data collection and collation, Shangpu Consulting Group analyzed and interpreted the collected and collated data, and wrote a corporate credit report. The report includes the following sections:

Project background and objectives. The customer is a European car manufacturer that plans to expand its business in the Chinese market and seeks to cooperate with a Chinese auto parts supplier. It is clear that the goal of the project is to evaluate the credit status and cooperation potential of the supplier, and give corresponding suggestions.

Basic enterprise information. The basic information of the supplier is introduced, such as name, address, legal representative, registered capital, establishment time, business scope and so on. The supplier is a listed company specializing in the production of auto parts with a registered capital of 0.2 billion yuan. It was established in 2000 and its business scope includes the research and development, production and sales of auto parts.

Corporate credit information. Describes the supplier's credit history, such as loan type, amount, term, interest rate, repayment status, etc. The supplier currently has two loans, respectively bank loans and bond issues, totaling RMB 1 billion, with a term of 5 years and interest rates of 4.5 and 5%. The repayment is in good condition and there is no overdue or default record.

Other credit information of the enterprise. Other information of the supplier reflecting its credit status, such as administrative punishment, judicial proceedings, tax violations, arrears and arrears, etc. The supplier has no record of administrative penalties, judicial proceedings, tax violations or arrears in the past three years, and its credit record is good.

Enterprise credit evaluation. According to the credit information of the enterprise, the credit level of the enterprise is evaluated and the corresponding rating or score is given. The supplier's credit rating is excellent, its credit rating is AAA, and its credit score is 95 (out of 100).

Project conclusions and recommendations. The main findings and conclusions of the project are summarized, and corresponding suggestions or suggestions are given according to the needs and expectations of customers. The supplier is an auto parts supplier with a good reputation and development potential. Cooperation with it will help customers expand their business in the Chinese market and improve their product quality and competitiveness. It is recommended that the customer conduct further communication and consultation with the supplier, determine the specific content and conditions of cooperation, and sign a cooperation agreement.

Through the professional services of Shangpu Consulting Group, the client has successfully obtained a detailed and comprehensive enterprise credit report, has a deeper and comprehensive understanding of the supplier, and has a higher confidence and sense of security to cooperate with it.

Case 2: Providing a corporate credit report for an American e-commerce company.

Another client of Champ Consulting Group is an American e-commerce company, which plans to invest in a local e-commerce platform in the Indian market and seek strategic cooperation with it. In order to assess the credit status and cooperation value of the platform, the company commissioned Shangpu Consulting Group to provide it with a corporate credit report.

According to the customer's needs and expectations, Shangpu Consulting Group has determined the basic elements of the project, such as the goal, scope, timetable and budget, and signed a contract with the customer. Then, Champ Consulting Group designed the data collection plan, identified the types and dimensions of data to be collected, and the data sources to be used. Specifically, the Champ Consulting Group used the following data sources:

Open data platform. Through platforms such as the Bureau of Statistics of India, the Central Bank of India, and the Indian Business Registration System, Shangpu Consulting Group has obtained basic information, credit information and other credit information of the platform, such as registered capital, time of establishment, business scope, loan amount, repayment status, Administrative penalties, etc.

Brokerage Research Report. Through CEIC and other databases, Shangpu Consulting Group obtained the analysis report of the industry and market of the platform, and understood the competitive environment, market share and development trend of the platform.

The company's annual report and prospectus. Through the platform's official website and the website of the Indian Securities Regulatory Commission, Shangpu Consulting Group obtained the platform's annual report and prospectus, and learned about the platform's financial status, business analysis, business overview, etc.

Interviews with experts. Shangpu Consulting Group interviewed executives, customers, competitors and other relevant people of the platform through a third-party platform to obtain their comments and views on the platform, as well as their willingness and conditions for cooperation.

Questionnaire research. Through the design of questionnaires, Shangpu Consulting Group issued and recycled to the users of the platform, and analyzed the results to understand the user satisfaction, loyalty, and consumer behavior of the platform.

After the implementation of data collection and collation, Shangpu Consulting Group analyzed and interpreted the collected and collated data, and wrote a corporate credit report. The report includes the following sections:

Project background and objectives. The customer is an American e-commerce company that plans to invest in a local e-commerce platform in the Indian market and seeks strategic cooperation with it. It is clear that the goal of the project is to evaluate the credit status and cooperation value of the platform, and give corresponding suggestions.

Basic enterprise information. The basic situation of the platform is introduced, such as name, address, legal representative, registered capital, establishment time, business scope and so on. The platform is a listed company specializing in providing e-commerce services with a registered capital of 1 billion Indian rupees. It was established in 2010. Its business scope includes e-commerce platform operation, commodity sales, logistics and distribution, etc.

Corporate credit information. The credit records of the platform are introduced, such as loan type, amount, term, interest rate, repayment, etc. The platform currently has three loans, namely bank loans, private placement bonds and venture capital, with a total amount of 5 billion Indian rupees, with a maturity of 3 years and interest rates of 6%, 7% and 8%. The repayment is in good condition and there is no overdue or default record.

Other credit information of the enterprise. Other information reflecting the credit status of the platform is introduced, such as administrative punishment, judicial proceedings, tax violations, arrears and so on. The platform has no record of administrative penalties, judicial proceedings, tax violations or arrears in the past three years, and its credit record is good.

Enterprise credit evaluation. According to the credit information of the enterprise, the credit level of the enterprise is evaluated and the corresponding rating or score is given. The platform's credit rating is good, its credit rating is AA, and its credit score is 85 (out of 100).

Project conclusions and recommendations. The main findings and conclusions of the project are summarized, and corresponding suggestions or suggestions are given according to the needs and expectations of customers. The platform is an e-commerce platform with a good reputation and development prospects. It has a high reputation and user base in the Indian market. Cooperation with it will help customers expand their business in the Indian market and increase their brand influence. It is recommended that customers conduct further communication and consultation with the platform, determine the specific content and conditions of cooperation, and sign a cooperation agreement.

Through the professional services of Shangpu Consulting Group, customers have successfully obtained a detailed and comprehensive enterprise credit report, have a deeper and comprehensive understanding of the platform, and have a higher confidence and sense of security to cooperate with it.