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 of the enterprise, credit information and other information reflecting its credit status, and reflects its credit status in a comprehensive, accurate and timely manner, which is the "economic identity card" of the information subject ". Enterprise credit report is one of the main products of consulting company to provide important decision-making reference for all kinds of credit transactions, it provides comprehensive and accurate comprehensive credit information to the inquirer, provides important decision-making reference for all kinds of credit transactions, and reduces unnecessary credit risk and loss.

So, how does the consulting company prepare the enterprise credit report? When the consulting company prepares the enterprise credit report, it needs to carry out a comprehensive credit risk assessment of the enterprise, that is, to predict and quantify whether the enterprise will default and the possible losses after default. In order to achieve this goal, consulting firms usually use the following methods and techniques:

Financial analysis: Financial analysis is the process of systematic, comprehensive and comprehensive analysis, interpretation and evaluation of the financial situation and operating results of an enterprise. Financial analysis can evaluate the level and trend of an enterprise's solvency, profitability, growth capacity, etc. by calculating and comparing various financial ratios, such as current ratio, asset-liability ratio, profit margin, etc. Financial analysis can help consulting firms to determine whether the enterprise has a good level of management and financial situation, whether there is a potential financial crisis or bankruptcy risk.

5C Factor Analysis:5CFactor analysis is one of the expert analysis methods used by financial institutions to analyze the credit risk of customers. It focuses primarily on the moral character of the borrower(Character)Repayment capacity(Capacity), capital strength(Capital)Guarantee(Collateral)and operating environmental conditions(Condition)Five aspects of a comprehensive qualitative analysis to determine the borrower's willingness to repay and ability to repay.5CFactor analysis can help the consulting firm to understand the borrower's background, experience, reputation, behavior, etc., as well as the development prospects and competitive situation of the borrower's industry or market, so as to assess the borrower's credit risk level.

Multivariate discriminant analysis: Multivariate discriminant analysis is a standard model based on the characteristic financial ratio as an explanatory variable, using quantitative statistical methods. Using this model to predict the possibility of an event of a certain nature, early detection of credit crisis signals, so that operators can take effective measures to improve business operations in the embryonic stage of the crisis, to prevent the crisis.;To enable investors and creditors to transfer investments, manage accounts receivable and make credit decisions in a timely manner based on such signals. Multivariate discriminant analysis can help consulting firms to classify and predict firms by establishing discriminant functions to determine their credit ratings and probability of default.

Option pricing model: Option pricing model is a credit risk measurement method based on capital market theory, which treats the debt and equity of an enterprise as different types of options, and uses the option pricing formula to calculate the probability of bankruptcy and default loss rate of the enterprise. The option pricing model can help the consulting firm to reflect the dynamic value of the rapid change of the enterprise's assets in the capital market, as well as the relationship between the value of the enterprise's assets and the value of the debt service, so as to evaluate the credit risk level of the enterprise.

The above four methods and techniques are not isolated, but complement and perfect each other. When preparing corporate credit reports, consulting firms need to flexibly select and integrate these methods and techniques according to different customer needs and circumstances in order to provide the most suitable credit risk assessment services for customers.

Shangpu Consulting Company is a professional engaged in industry research, market research, investment and financing consulting,IPOWe have a wealth of professional experience and client resources for more5000Our clients have provided professional market research and related consulting services. When preparing the enterprise credit report, Shangpu Consulting Company will use the above methods and technologies to conduct in-depth credit risk assessment according to the characteristics of the industry, scale and development stage of the customer, and combine its own industry database and expert resources to provide customers with professional, objective and rigorous credit risk assessment reports.

The following is a brief example of the corporate credit reporting service provided by Champ Consulting to some of its clients:

A new energy vehicle manufacturer: this customer is an innovative enterprise focusing on the field of new energy vehicles, with the ability to independently develop, produce and sell new energy vehicles. This customer plansIPOListed, and commissioned Shangpu Consulting Company to provide corporate credit reporting services. Through the financial analysis of this client, Champ Consulting,5CFactor analysis, multivariate discriminant analysis and other methods evaluate the customer's solvency, profitability, growth ability, industry competitiveness, market prospects, etc., and combine the development trend and policy environment of the new energy automobile industry to provide the customer with a higher credit rating and a lower probability of default and a smaller default loss rate.IPOListing provides strong credit support.

An e-commerce platform: the customer is an enterprise specializing in the operation and service of e-commerce platform, with a number of well-known e-commerce brands and channels. The client plans to raise a large-scale financing and has commissioned a corporate credit reporting service from Champ Consulting. Through the financial analysis of this client, Champu Consulting,5CFactor analysis, option pricing model and other methods to evaluate the customer's asset value, equity value, debt value, bankruptcy probability, default loss rate and other aspects, and combined with the e-commerce industry's market size, growth rate, competition pattern, policies and regulations and other factors, to provide the customer with a higher credit rating and a lower default probability and a smaller default loss rate, it provides a strong credit guarantee for its financing.

A medical device manufacturer: the customer is a professional medical device research and development, production and sales of enterprises, with a number of international leading technology and patents. The client plans to conduct a cross-border merger and acquisition and has commissioned Sunp Consulting to provide corporate credit reporting services. Through the financial analysis of the client and its target acquisition targets,5CFactor analysis, multivariate discriminant analysis and other methods to assess the solvency, profitability, growth capacity, industry competitiveness, market prospects and other aspects of the medical device industry, combined with the development trend and risk factors for the customer to provide a higher credit rating and a lower probability of default and a smaller default loss rate, for its cross-border mergers and acquisitions to provide a strong credit support.

The above case is only a brief introduction to some corporate credit reporting services of Shangpu Consulting Company. For more detailed information, please visit the official website of Shangpu Consulting Company or contact our professional consultants.

In short, the enterprise credit report is a comprehensive instrument reflecting the credit status of enterprises, and is one of the main products of consulting companies to provide important decision-making reference for all kinds of credit transactions. When preparing the enterprise credit report, the consulting company needs to carry out a comprehensive credit risk assessment of the enterprise, that is, to predict and quantify whether the enterprise will default and the possible losses after default. To achieve this, consulting firms typically employ financial analysis,5CFactor analysis, multivariate discrimination analysis, option pricing model and other methods and techniques, combined with its own industry database and expert resources, to provide customers with professional, objective and rigorous credit risk assessment services.