The purpose of enterprise credit investigation is to investigate the credit status of borrowing and selling enterprises or business partners, understand their solvency and willingness to pay debts, and assist credit banks, selling enterprises and other subjects to avoid credit risks. The functions of enterprise credit investigation include: enhancing the transparency of credit information, comprehensively and timely grasping the risk status of customers, suppliers and cooperative enterprises; Provide information and evaluation support for business transactions and credit management decisions of enterprises; Providing credit information support for the cooperation between financial institutions and other entities and enterprises; Reduce the cost of commercial and credit transactions; Promote the establishment of enterprise credit records, supervision and restraint mechanisms.
What is the purpose of enterprise credit report?
Enterprise credit report is one of the main credit products provided by enterprise credit information system, which provides comprehensive and accurate enterprise credit information for inquirers, provides important decision-making reference for various credit transactions, and reduces unnecessary credit risks and losses.
Enterprise credit report has two main purposes:
First, let enterprises take the initiative to know their credit records, such as checking whether there is bad credit information in the credit report and comparing whether the loan balance in the credit report is consistent with their actual loan book balance.
Second, enterprises will provide it to counterparties, * * * departments or other institutions as proof of their own qualifications and credit status, so as to gain the trust of the other party, for example, to investors who want to cooperate. * * * departments will require enterprises to provide their own credit reports, so as to know whether enterprises have bad records when conducting various tenders for enterprises.
What are the benefits of enterprise credit information publicity to enterprises?
The specific functions and benefits of credit rating to enterprises (units) can be summarized as the following five aspects:
One is to have a valid credit "identity card"
In a market economy, every enterprise (unit) is an independent operator. Sign purchase and sale contracts, participate in bidding, apply for qualifications, and strive for * * * procurement, etc. You need a valid credit "ID card" to gain the trust of the other party. Credit rating agencies that have been strictly examined and recognized by the regulatory authorities in the society independently, objectively and fairly evaluate the credit rating through standardized evaluation procedures, and become effective credit "identity cards", which enable partners to obtain accurate and fair credit information and play an irreplaceable role in accelerating cooperative decision-making.
Second, with a reliable "passport", in the capital market, enterprises (units) must use financing tools such as bonds to raise funds, and before issuing bonds, they must go through a qualified evaluation agency to evaluate their credit rating; In the credit market, enterprises (units) applying for loans from financial institutions also need to go through credit rating, especially key large-scale loan enterprises (units) with a certain loan scale must go through standardized evaluation by independent third-party professional rating agencies with confirmed qualifications before they can obtain loan support from financial institutions. Therefore, credit rating is a "passport" that must be obtained to enter the financial market.
Third, it is an important means for enterprises (units) to reduce financing costs.
In market economy countries, the credit rating of enterprises (units) is directly related to the financing cost. The interest rate of enterprises (units) with high credit rating and excellent credit standing is low, and the interest rate of enterprises (units) with low credit rating and poor credit standing is correspondingly high; Enterprises (units) without credit rating, that is, enterprises without credit records, are not allowed to issue bonds in the market, and it is generally difficult to get loans. At present, China's interest rate marketization reform is progressing steadily. According to the regulations of the People's Bank of China, the loan interest rate of commercial banks to enterprises (units) can be determined on the basis of the benchmark interest rate, according to the credit status of enterprises (units) and the principle of risk-return symmetry. Therefore, the credit rating will directly affect the financing cost of enterprises (units).
Fourth, the important intangible assets of enterprises.
In the market competition, enterprises need to know themselves, their competitors, partners and their own enterprises. The credit evaluation of enterprises by social intermediary institutions can provide such trustworthy information objectively and fairly, which is conducive to mutual promotion and cooperation between enterprises. An enterprise (unit) with good credit rating is an important intangible asset, which can attract interested parties to cooperate with it boldly and confidently, and open up a broad road for the development of enterprises. Even if an enterprise (unit) with a low credit rating in a certain year in the development process has such an objective and fair credit record, it will enable financial institutions or partners to grasp and understand the historical process and reality of the enterprise (unit), so as to draw correct conclusions and continue to support and cooperate.
Fifth, it is an important driving force to improve enterprise management.
In the independent third-party credit evaluation of an enterprise (unit), what good things can we see about this enterprise? What are the disadvantages? Be able to define the direction and development ideas of future efforts. Enterprises (units) with excellent or good credit rating are equivalent to the objective affirmation and exact evaluation of their operating conditions, so that enterprises (units) can further optimize their management. Enterprises (units) with low ratings can also see the shortcomings, so as to find problems, improve their work and improve their management level.
What are the benefits of corporate credit rating? What's the role?
As an important part of the construction of social credit system, the significance and function of enterprises applying for credit rating mainly include: 1, an effective way to establish corporate image. Enterprise credit rating is of great significance for shaping credit image, reducing transaction costs, enhancing competitiveness and creating a good competitive environment. 2. Credit rating is a passport for enterprises to win the market. Credit rating is a passport to obtain * * * support, bidding, business dealings, investment attraction, financing guarantee and bank loans. 3. Credit rating is the proof of comprehensive competitiveness of enterprises. Credit status is an important factor to measure the performance ability and bidding reputation of enterprises, and credit rating can provide the most powerful proof for the comprehensive competitiveness of enterprises. 4. Credit rating is a necessary means to strengthen enterprise management and prevent risks. Through objective evaluation, enterprises can find their own shortcomings and hidden dangers, improve management, strengthen risk prevention, and establish a modern credit management system serving sales and financial control. Enterprises in developed countries have credit management departments. At present, only large enterprises directly under the central government, some listed companies and most foreign-funded enterprises in China have established credit management departments. An important function of the credit management department is to coordinate finance and sales, conduct credit transactions and guard against operational and financial risks. In short, the credit rating certificate is an important identification of enterprises and individuals. Credit rating helps to enhance the corporate image, plays an important role in the process of selecting partners in activities such as qualification identification, appraisal, policy support and bidding of * * * departments, and has important influence and help on financing, bidding, obtaining support from * * * and recognition of partners of enterprises.
What's the use of a company shareholder asking for a credit report?
The credit report confirms the true situation of your credit and liabilities to determine the true value of assets.
What's the use of enterprises doing credit files? 30 points
The enterprise files of credit reporting agencies are important things related to the future of enterprises. Enterprise files will be made public to all relevant departments of the enterprise in the future, and the most important thing is the credit rating. If it is small or not, it is likely that banks will not dare to cooperate with this enterprise-it is generally the case.
What is the function of enterprise credit files and what are their benefits to enterprises?
Just like bank loans, the higher the credit, the more money you can borrow, which should be understandable.
What is the use of the national enterprise credit information publicity system?
You can query the registered information of an enterprise, such as registered address, registered capital, registered time, shareholders, etc.
1 13 15 what is the function of the enterprise credit information system?
1 13 15 the national enterprise credit information system is a third-party social credit information platform and an example of giving full play to the market mechanism to promote the construction of social credit system. Its social role is increasingly prominent: "helping enterprises witness credit, ensuring the safety of mass consumption, assisting * * * to supervise the market and promoting the harmonious development of society". 1 13 15 enterprise credit information system has developed a port for functional departments at all levels in China to publish enterprise supervision information, which can collect scattered supervision information scattered in different regions, departments, file formats, categories and inconvenient inquiries into the relevant enterprise credit files in this platform, and can be approved, identified, rewarded and punished and inspected by various functional departments.
What is the use of personal credit report? The company asked for it.
Personal credit report is a report that records everyone's daily use of credit cards and loans to reflect their credit status. When the bank applies for a loan, it will not only provide the corresponding income certificate, but also inquire about the personal credit record report.
Personal credit report plays an important role in many fields, such as mortgage, credit card, private lending, job hunting, renting and so on. Personal credit report is a paper report that directly reflects personal credit.
First of all, we should buy a house, a car and a credit card. You need to check your personal credit report. If your personal credit report has a bad record, banks or other lending institutions will not lend;
Secondly, people with good credit are more likely to apply for loans, and the amount of loans applied for is often higher;
Finally, people who reflect bad personal credit records through personal credit records may also affect their job hunting in the future. Because of your poor personal credit, you are a person without credit. Personal credit is very important in this society. For people with bad credit records, employers often consider it when recruiting.
If there are bad records on personal credit records, especially those on the "blacklist" of banks, it is more difficult to get loans.