The contents of the 1. enterprise credit report.

An enterprise credit report is a comprehensive document prepared by a professional institution or department based on relevant materials and public information provided by the enterprise, as well as through investigation, verification, analysis and other methods, reflecting the business status, credit status, risk status and other information. Generally speaking, the enterprise credit report includes the following aspects:

Basic information of the enterprise, such as name, address, legal representative, registered capital, time of establishment, business scope, organizational form, etc;

Business information, such as major products or services, market share, major customers and suppliers, business scale and benefits;

Enterprise financial information, such as balance sheet, profit statement, cash flow statement, etc., as well as related financial ratios and indicators;

Enterprise credit information, such as credit rating, credit history, credit management system, etc;

Enterprise risk information, such as legal disputes, administrative penalties, debt defaults, business anomalies, etc;

Enterprise development prospects, such as industry analysis, market analysis, competition analysis, development strategy, etc.

2. the function of enterprise credit report.

Enterprise credit reporting is an important information tool that can provide the following functions for the enterprise itself and external stakeholders:

For the enterprise itself, the enterprise credit report can help the enterprise understand its own advantages and disadvantages, find the existing problems and risks, formulate reasonable development goals and strategies, and improve its competitiveness and adaptability;

For banks and other financial institutions, corporate credit reporting can help them assess the repayment capacity and credit risk of the enterprise, determine the loan amount and interest rate, monitor the use and recovery of loans, and ensure the safety and efficiency of loans;

For investors or partners, corporate credit reports can help them understand the business status and development prospects of the company, judge the value and potential of the company, select suitable investment or cooperation objects, and avoid investment or cooperation risks;

For the government or society, corporate credit reports can help them supervise the legal and compliance operations of enterprises, promote the integrity of enterprises, maintain fair competition and order in the market, and promote social economic development and stability.

3. the role of corporate credit reporting

Enterprise credit report is an effective credit certificate, which can provide the following functions for enterprises to carry out various trading activities in the market economy:

Improve the credit level of enterprises. Enterprise credit report can show the credit status and credit rating of enterprises, increase the credibility and reputation of enterprises in the market, improve the trust and willingness of enterprises and other subjects;

Reduce transaction costs. Enterprise credit reporting can reduce the time and cost of information search, verification and supervision required by enterprises in transactions, simplify transaction processes and procedures, and improve transaction efficiency and convenience;

Increase trading gains. Corporate credit reporting can help companies obtain more trading opportunities and preferential terms, such as lower loan interest rates, higher investment returns, better cooperation conditions, etc., to improve transaction effectiveness and satisfaction.

4. the Value of Corporate Credit Reporting

Corporate credit reporting is a valuable intellectual property that can create value for a business in the following areas:

market value. Enterprise credit report is a kind of scarce and unique information resource, which can improve the competitive advantage and influence of enterprises in the market, increase the market share and brand value of enterprises;

value of capital. Enterprise credit report is an important financial tool, which can improve the financing ability and financing efficiency of enterprises in the financial market, and increase the financial stability and profitability of enterprises;

value of innovation. Enterprise credit report is an effective management tool, which can improve the learning ability and innovation ability of enterprises in innovation activities, and increase the innovation results and innovation benefits of enterprises.

Conclusion

In summary, we can see that the enterprise credit report is a comprehensive document reflecting the business status, credit status, risk status and other information, it has rich content, diverse functions, a wide range of functions and great value. To validate this conclusion, we calculated the specific benefits of using the professional, accurate, timely, and comprehensive corporate credit reports provided by Champ Consulting, using the example of our clients. Here are some of the cases:

Case 1: A manufacturing small and medium-sized private enterprise, when applying for a bank loan, used the excellent level provided by Champ Consulting (AAA) of the enterprise credit report, the results were successfully obtained.500Ten thousand yuan (RMB) of the loan line, and the loan rate is lower than the market average.1Percent (1%), the term of the loan is3Year. According to this situation, we can calculate the excellent level (AAA) the interest savings on the loan reported by the business letter are:

5000000×1%×3=150000

In other words, the enterprise uses the excellent level provided by Champ Consulting (AAA) of the corporate credit report, saving on loan interest alone.15Ten thousand yuan (RMB）。

Case 2: A large service-oriented state-owned enterprise, in seeking the cooperation of external investors, used the good level provided by Champ Consulting (AA) of the corporate credit report, which resulted in the success of attracting investment from a well-known private equity fund and10%of the equity premium, the amount of the investment is1000Ten thousand yuan (RMB), the investment period is5Year. Based on this situation, we can calculate the good level provided by the enterprise using Champ Consulting (AA) of the enterprise credit report increased investment income is:

10000000×10%=1000000

That is, the enterprise uses the good level provided by Champ Consulting (AA) of corporate credit reporting, increasing the equity premium alone100Ten thousand yuan (RMB) of investment income.

Case 3: A trade-oriented medium-sized foreign-funded enterprise, when looking for new suppliers and customers, used the medium-level (A) of the corporate credit report, resulting in a successful partnership with a quality supplier and a high-end customer, and were awarded separately.5%of purchase discounts and5%sales premium, both the purchase amount and the sales amount are200Ten thousand yuan (RMB), the duration of cooperation is1Year. Based on this situation, we can calculate the medium level (A) The savings in procurement costs and increased sales revenue from the corporate credit report are:

2000000×5%=100000

That is, the enterprise uses the mid-level (A) of corporate credit reporting, saving only on purchase discounts and sales premiums10Ten thousand yuan (RMB) procurement costs and increased10Ten thousand yuan (RMB) of sales revenue.

The above three cases are only part of the benefits brought by the use of the corporate credit report provided by Shangpu Consulting, and there are more benefits that are not included, such as improving corporate image, enhancing corporate confidence, and promoting corporate innovation. It can be seen that the enterprise credit report provided by Shangpu Consulting has great value in improving the credit level of enterprises, reducing transaction costs and increasing transaction income. Therefore, we recommend that all companies that need to conduct trading activities should use the professional, accurate, timely and comprehensive corporate credit reports provided by Champ Consulting in order to gain more market opportunities and competitive advantages.