Credit rating certificate generally refers to the credit rating certificate issued by a credit institution with bank records. Loan financing qualification certificate.
Credit rating certificate is an enterprise credit rating certificate issued by an evaluation institution according to the results of enterprise credit evaluation.
Extended data:
According to the score, the enterprise credit rating is divided into five grades: AAA, AA, A, B and C:
1.AAA enterprise. The score is above 90 points (inclusive), the asset-liability ratio, interest repayment rate and repayment rate of due creditor's rights are full marks, and the cash flow index score shall not be less than 5 points. If one item does not meet the requirements, it can only be rated as AA.
Two AA-level enterprises. The score is 80 (inclusive) ~ 90 (exclusive), and the asset-liability ratio and interest repayment rate are full marks. The credit repayment rate maturity index score is not less than 10.8, and the cash flow index score is not less than 3. If one item does not meet the requirements, it can only be rated as Grade A at the highest.
3.a-level enterprises. The score is between 70 (inclusive) and 80 (exclusive), the asset-liability ratio index score is not less than 5, the interest repayment rate index score is not less than 8. 1, and the maturity credit repayment rate index score is not less than 9.6.
4. Class B enterprises. Score 60 (inclusive) ~ 70 (exclusive); Or the score is above 70, but in any of the following circumstances: (1) belongs to the industry whose development is restricted by the state; (2) The asset-liability ratio score is below 5 points; (3) The interest repayment rate score is below 8. 1; (4) The due credit repayment rate score is below 9.6.
5.c-level enterprises. The score is below 60 (excluding); Or the score is above 60, but under any of the following circumstances: (1) the production equipment, technology and products are officially eliminated by the state, (2) the assets are insolvent, and (3) the enterprise has stopped production for more than half a year; (4) Avoidance of bank claims, (5) Interest repayment rate score below 2.7 }(6) Due credit repayment rate score below 3.6.
Baidu Encyclopedia -—AAA Credit Enterprise