In practical work, a bad credit evaluation report not only affects communication efficiency, but also affects credit decision-making.
So, how to write a good credit evaluation report?
First of all, the layout should be "good-looking"
Just like a young man going on a blind date or an interview, people first look at whether you have real talent or not, but your mental outlook, regardless of whether you are good-looking or ugly. Meaning? Meaning? It's always necessary to lead an honest and clean life, right? You can't say you just went after playing football and broke out in a sweat. People have a bad first impression of you, so naturally they don't want to hear more. I have no mind to read your report carefully.
The "beauty" of layout is nothing more than standard format, attention to typesetting, clear structural paragraphs, uniform font size, proper quotation of charts, standard use of serial numbers and so on. As for how to standardize the format, in fact, each family has its own requirements, just do it according to the regulations. My personal experience is to dedicate a whole "template" article, write down the basic format of the report, and use this template every time I write a report. After the report is finished, check the full text again. In addition to checking for typos, it depends on whether the layout is unified. Occasionally, some places can be slightly typeset and beautified, and it will be OK.
Secondly, it is necessary to make clear who this report is written for.
Often, this problem is easily overlooked. It often has three meanings: 1, which is for others to see, not for yourself to enjoy; 2. Who you are is very important; 3. The final decision maker (approver) generally does not read the original report.
The first meaning is that the credit report is neither poetry prose nor literary novel. A good credit report does not need good writing skills, rich imagination and gorgeous rhetoric, but only a scientific paper with standardized format, concise language, clear concepts and strong arguments. Less emotional description and more analysis of facts and data should make people feel rigorous and reasonable.
The second meaning is to clarify the identity of the whistleblower. The whistleblower is neither a friend of the enterprise nor an independent third-party investigation agency. Instead, it is clear that the task of the current account manager is to analyze and sort out the enterprise through observation and investigation, and reflect this process and the conclusions drawn after observation and investigation into the whole report.
The third meaning means that you can't write everything down just because of the second meaning. After all, the final decision maker usually doesn't read the full text of the credit evaluation report, but only looks at the examiner's opinion. Writing too many words at random will not only play a positive role in the final credit judgment, but even make the examiner feel disgusted. For example, in enterprise research, many people like to copy all the enterprise profiles of other people's websites. Do you want to investigate and show this to others? Then why not just bring someone else's corporate image propaganda film?
So what to write and what not to write in the report is very learned. Of course, every company will have its own content requirements, but basically every point is very important, but the focus must be clear. So what's the point? In fact, you can look at the reviewers' comments and see what they are mainly concerned about. If there is something to be audited at the meeting, what points should auditors pay attention to every time? Mastering these key points, a flesh-and-blood report will come out, and then build a skeleton according to the report content, standardize the format, and carry out image engineering. Perfect!
Finally, more points, less points.
The format specification mentioned in the last article is also a plus item. Being good at using charts is definitely another fat plus.
McKinsey, a famous consulting firm, famously said that a good chart can double the efficiency of reading comprehension. This tells us not to BB when you can use charts. Of course, the chart should be concise and clear, and the content unit should be clear, so that people can see it at a glance.
At present, many report templates are attached with tables, but it must not be said that these tables are truth tables and cannot be changed. As long as it can explain the problem, a little improvement is not bad. For example, some products are not clear, attach photos, and the project address is supplemented by a map. Aren't these details easy to add points?
And the subjective analysis after the chart will also add points. Some account managers ask for a form when they look at the template, and then give a form, and then there is no analysis at all, which makes people see it from beginning to end. At the very least, you should express the details in words, and then draw a conclusion that the charts are all for your point of view.
In addition, before and after stating a conclusion, you must list the arguments supporting this argument. The more specific it is, the more convincing it is, rather than leaving it blank for others to imagine. For example, when many people write about shareholders, they just say: shareholders are stronger. Without me, I don't know a corporate shareholders. How can I know if he is strong or not? It's like saying that "socialism is good, it is good, and it is good anyway", which is not convincing at all. But you make a summary of China's achievements in the past 30 years of reform and opening up. Well, it's really good!
The reduced projects are mainly reflected in the following three aspects:
1, which means chaos;
Sometimes it's a full name, sometimes it's an abbreviation, especially those with complex relationships and similar names, which are often confusing, confusing and headache.
2. Inconsistent logical contradictions;
Many logical contradictions are actually caused by inconsistent data, which is relatively easy to overcome, as long as you pay more attention and check it carefully several times. Some logical contradictions are indeed caused by unreasonable logic, and more common sense is wrong. Common sense generally comes from industry experience and professional analysis ability, so we should think more and think more. If we are not sure, we can ask other colleagues to help us. In addition, there must be some sensitivity.
3, typos and wrong data.
Mistakes are relatively low-level mistakes and can be avoided as much as possible. After writing it, you can basically browse it a few times and find it. But the problem of data error is bigger, so we must check it carefully.
Give yourself a reason to love learning;
Give yourself a enjoyment and peace of mind;
Give yourself a good book and put it down;
Give yourself a piece of soil, Guajie lecture hall.
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