Enterprise credit information refers to the activities of enterprise credit information institutions established according to law to collect and process enterprise information and provide enterprise information inquiry and evaluation services according to the requirements of users. The enterprise report is the enterprise history record provided to the legitimate information inquirers after the information collected according to law is processed and sorted by the credit reporting agency.
Governments all over the world need to establish enterprise credit information system and strengthen the restriction on social individuals for the formulation of market trading rules, the maintenance of market order, the collection of personal income tax, the taxation of business income and the safe operation of the whole society. At present, China is in an important period of transition from traditional planned economy to market economy. Establishing enterprise credit information system is an urgent problem to be solved in China's credit management system. It is inconceivable that this country can establish a perfect credit system when keeping promises and keeping promises has not yet become the basic moral norms and codes of conduct of the people of a country. However, the establishment of enterprise credit information system can not be simply based on the moral norms of honesty and trustworthiness, but more importantly, it is necessary to establish a set of credit information system to cultivate effective credit market demand.
Credit investigation is an ancient word in China. Thousands of years ago, in Zuo Zhuan, there was a saying that "a gentleman's word is a promise, but it is difficult to catch up with it", which means that whether a person is trustworthy can be verified. However, it is only in recent years that you and I feel the existence of credit information in our daily life. When you apply for a loan or look for a job, you often hear the bank staff say what your "credit record" is, that is, what you are talking about. Records about your past credit behavior will be reflected in your "credit report", which is the final result of credit investigation. It is described as an "economic identity card" and can be used to prove whether you are trustworthy or not. Some people say that the quality of your credit record determines whether you can do what you want and how much it will cost.
To put it simply, credit investigation is an activity that a professional and independent third-party organization establishes a credit file for you, collects and objectively records your credit information according to law, and provides your credit report to the outside world according to law. Credit information records your past credit behavior, which will affect your future economic activities. For example, when you apply for a loan from a bank, the bank can better understand your past credit status through your credit report provided by the credit bureau, and the bank can make a decision on whether to trade with you more conveniently and quickly, thus facilitating your economic activities. The more economic and social development, the closer the relationship between credit information and individuals.
In the past, the scope of personal economic activities was narrow and the transaction mode was simple. The trust between people came from mutual direct understanding and interpersonal relationships within the community. It's different now. The mobility of population has increased, and the geographical scope of personal activities has expanded. In addition to getting in touch with people who are familiar with and know themselves, I have to deal with many people I don't know. These people may come from another province or even another country. If you still rely on the traditional way to get to know each other, it will be very time-consuming and laborious, and the result may be that you can't reach a deal or affect your own development, and your living standard and social development level will be greatly affected.
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