Enterprise credit inquiry report, also known as enterprise credit report and enterprise credit report, is one of the main credit products in enterprise credit information system. In the report, the credit rating of the enterprise will be carried out, the business development of the company will be explored, and whether the enterprise has the ability to perform the contract or repay the debt will be judged. Through clear and detailed analysis, the report can provide effective reference suggestions for enterprises in trading and risk avoidance.
Two. What are the contents of the enterprise credit inquiry report?
If an enterprise needs to cooperate or trade with other enterprises in business, it is very important to inquire about the credit of the other enterprise to avoid risks. Enterprise Credit Inquiry Report plays this role, and its contents mainly include:
1, home page
It mainly includes report name, query object name, report provider name, report completion time, report number, etc. The registration number of the credit reporting agency should be listed, and the legal responsibility of the report should be explained.
2. Summary report
It mainly includes the summary and reflection of key information such as registration information, contact information and credit rating of the query object. Through this part, you can quickly understand the credit status of the inquired enterprise.
3. Text of the report
Fully reflect the credit status of the inquired object, and the report mainly includes the following contents:
(1) Basic information: it mainly includes the registered information of the inquired object, shareholder information, subsidiary information, management and employee information, office facilities information, etc. And related change information.
(2) Business information: mainly including the main business and business information, that is, purchasing, production and sales information, as well as the evaluation of the main suppliers and customers on the credit object.
(3) Financial information: mainly including the balance sheet, income statement and major financial ratios of the inquired object. For abnormal financial data, please make comments.
(4) Current financial institution information: mainly including the account number and bank name of the enterprise.
(5) Information recorded by the public: mainly including the positive and negative information of credit information subjects recorded by courts, industry and commerce, taxation, quality supervision, customs and other administrative and judicial departments, other institutions and organizations undertaking administrative functions, mass organizations, media and electronic trading platforms. If the inquired object has been involved in litigation in the past two years, it is advisable to list the relevant information involved in litigation.
(6) Comprehensive evaluation: it mainly includes the comprehensive evaluation of the development plan, development prospect and industry development status of the inquiry object. In the analysis, in addition to comparing the objects of credit reporting in the industry, it is also appropriate to compare them with their own vertical development history. Credit institutions can also give reference suggestions on the credit risk and credit limit of the trustee on the basis of rating and analysis.
Third, how to query enterprise credit records
Enterprise credit inquiry generally has two ways:
1, enterprise query
An enterprise as a legal person holds the ID card, the original and photocopy of the company's business license, the official seal and the corporate seal, and applies to the credit information sub-centers of major cities for inquiring about the enterprise's credit records.
2. Entrusted agent inquiry
When entrusting an agent to inquire about enterprise credit information, it is necessary to bring the original and photocopy of the agent's ID card, the original and photocopy of the legal person's ID card, the original and photocopy of the company's business license, the official seal and the legal person's seal. The information you need is almost the same as that of the legal person in person, except for the original and copy of the ID card of the agent. Managers generally go to credit sub-centers or banks designated by the central bank for credit inquiry.