1) Home page: mainly includes report name, enterprise name, report provider name, report completion time, report number, investigation description, etc. The legal responsibility for reporting is also stated.
2) Summary of the report: it mainly includes the summary and reflection of important information such as enterprise registration information, contact information, operating conditions and credit rating. Through this part, we can quickly have a general understanding of the credit status of enterprises.
3) Report text: The text is a part that comprehensively reflects the credit status of the enterprise, mainly including:
Basic information: mainly including enterprise registration information, shareholder information, subsidiary information, management and employee information, office facilities information and related change information.
Business information: mainly includes the main business and business information, that is, purchasing, production and sales information, as well as the evaluation information of major suppliers and customers on the enterprise.
Financial information: mainly including enterprise balance sheet, income statement and major financial ratios. Pay attention to abnormal financial data.
Current financial institution information: mainly including enterprise account number and bank name.
Information recorded by the public: mainly including positive and negative information about enterprises recorded by administrative and judicial departments such as courts, industry and commerce, taxation, quality supervision, customs, other institutions and organizations undertaking administrative functions, mass organizations, media, electronic trading platforms, etc. If the enterprise is involved in litigation in the past two years, the relevant circumstances of the litigation should be listed.
Comprehensive evaluation: it mainly includes the comprehensive evaluation and vertical and horizontal comparison of the development plan, development prospect and industry development status of the enterprise. On the basis of rating and analysis, we can also give some suggestions on the credit risk and credit limit of enterprises.
4) Important explanation: it mainly includes the credit rating method or main basis, rating symbols and explanations, and other matters that need to be explained.
At present, the enterprise credit report is mainly used in the bidding field and the financial field, which has two main purposes: First, the enterprise actively understands its credit record, 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 its actual loan book balance.
Second, enterprises provide it to counterparties, government departments or other institutions as proof of their qualifications and credit status in order to gain the trust of the other party. For example, it will be provided to the investment partners to cooperate with, and government departments will require enterprises to provide their own credit reports when conducting various tenders for enterprises to find out whether the enterprises have bad records. It can be said that it is a necessary qualification for bidding enterprises.