What is corporate credit reporting? Many enterprises will think that this enterprise credit investigation has no influence on the company, has no effect, and there is no need to handle it. First, can the enterprise's credit information not be handled? Of course, it is useful, and it will not work if it is not handled, which is very beneficial to its enterprises. Second, why does every enterprise need to have good corporate credit? It is the self-demand of enterprise development. (1) Perfecting enterprise credit files is the need of enterprise's own survival and development. According to public data, 1. Ineffective cost caused by lack of credit accounts for 10% ~ 20% of domestic GDP every year. The annual economic loss caused by dishonesty in China is about 600 billion yuan. 3. Nearly 70% of consumers in China have been cheated; 4. Nearly 90% of enterprises in China have been injured; 5. The annual output value of fake and shoddy products is as high as 654.38+0.3 trillion yuan; 6. Enterprises sign about 4 billion contracts each year, and the performance rate is about 50%; 7.20 15 * *, consumer complaints accepted by national market supervision departments 129, 1 10000 pieces; 8.20 15 * * *, and the national market supervision department accepted 2600 10000 reports; 9. Third-party websites show that the number of "Lao Lai" in the online loan industry is as high as 840,000; 10. By the end of June 20 16, there were 2.89 million market entities listed in the list of business anomalies. 1 1. By the end of 20 15 and 12, the people's court had released 3.08 million cases of information on the list of people who had been executed without trust; 12, the national product quality pass rate is only 75%, and the product quality pass rate of small enterprises is even lower, less than 60%. (2) Honest enterprises will win more markets because of honest brands. At present, false advertising, non-repayment of debts, manufacturing and selling counterfeit products, cheating, non-performance of contracts and false promises are spreading. In contemporary China, honesty is a particularly scarce resource. Therefore, whoever stresses honesty will easily make money under the brand of his own corporate integrity, and enterprises that stress honesty will win more markets. As the saying goes, "Honest people win the world". Credit is the greatest wealth of an enterprise, credit file is the green passport of an enterprise, and honesty is the basis for the survival and development of an enterprise to obtain the maximum profit. (3) Enterprise credit information has not been interconnected. Honest enterprises need credit files. At present, enterprise credit information is extremely scattered and has not been interconnected. If one enterprise does business with another, it is difficult for the other party to know whether the other party is honest. Because: China People's Bank database only records repayment information; The national enterprise credit information base only records the information of the industrial and commercial departments; The database of the list of untrustworthy executors only records the information of Lao Lai's list; Credit Jiangxi website system only records government supervision information; Because the credit information of enterprises is not interconnected, it is not convenient to inquire, and government departments will also make mistakes: those who sell fake drugs have become the most beautiful Ganzhou people. On 20 15, the legal representative of a company selling counterfeit drugs was nominated as "the most beautiful Ganzhou person"; Lao Lai also won the bid for government projects. From July, 2065438 to July, 2006, 10 government projects were randomly selected, of which two were Lao Lai. Bank Credit Demand In recent years, the state has been trying to give support to small and medium-sized enterprises through relevant policies, systems and regulations. However, the problem of financing difficulty and high cost for SMEs has not been effectively solved. Banks have an unspeakable embarrassment about the credit difficulties of small and micro enterprises: since the central bank announced the interest rate cut in June, 20 1 1, the benchmark interest rate has been falling, and the bank's interest margin level has dropped, which needs to be compensated by expanding its volume, but it can be expanded but not expanded. On the one hand, enterprises are in urgent need of funds, on the other hand, banks dare not lend money. The imperfect credit evaluation system of domestic enterprises is the main reason why banks are afraid to lend: 1, "Small and medium-sized enterprises have small assets and poor anti-risk ability"; 2. "The credit of small and medium-sized enterprises cannot be guaranteed"; 3. "The financial system of small and medium-sized enterprises is not perfect, lacking complete financial statements and insufficient financial information"; 4. Lack of credit accumulation and mortgage resources; 5. It is difficult to effectively assess credit risk. 6. The financial statements are distorted, and many data can't reflect the real business situation of the enterprise. Tip: 1. It is difficult for financial institutions to obtain effective information on operating conditions and financial risks, and it is difficult to lend to small and medium-sized enterprises smoothly; 2. The credit evaluation system of domestic enterprises is not perfect, and banks, governments and enterprises are all facing the problem of difficult enterprise credit verification; 3. Enterprise credit files enable financial institutions to grasp enterprise credit comprehensively and quickly, reduce credit risks and lending costs, and thus accelerate the possibility and speed of financial institutions lending to enterprises. (1) Notice on Several Opinions on the Use of Credit Records and Credit Reports on Administrative Matters [2013] No.920 issued by the Central Committee of the People's Bank of China of the National Development and Reform Commission, and the incentive policies such as giving priority to handling, simplifying procedures, "green channel" and key support are explored for those who keep their promises; For those who break promises, we should strictly implement the disciplinary system for breaking promises in combination with the categories and degrees of breaking promises. In government procurement, bidding, administrative examination and approval, market access, qualification examination and other administrative matters, relevant market entities are required to provide credit records or credit reports issued by third-party credit service institutions according to law. (II) Opinions of the General Office of the State Council on Strengthening the Service and Supervision of Market Subjects by Using Big Data [2065438+05] No.51In the bidding process of financial subsidies, government procurement, government-purchased services and government investment projects, the credit records of market subjects should be inquired or required to provide credit reports issued by qualified credit service agencies, and market subjects with good credit status should be given priority. People's governments at all levels should embed the use of credit information and credit reports in all fields and links of administrative management and public services as necessary conditions or important references. (III) Notice on Printing and Distributing the Implementation Plan for the Construction of Ganzhou Social Credit System (20 16-2020) Gan Shifa [2016] No.26 took the lead in using credit information and applying for government financial support in the fields of administrative licensing, government procurement, bidding, labor and employment, social security, scientific research management, cadre selection and appointment, management and supervision. In the bidding, public resources trading, civil service recruitment, market access, production safety, product quality, health care, environmental protection, education and scientific research, qualification, subsidies, affordable housing distribution, annual inspection and other key areas of market supervision and public services, in-depth application of credit information; Strengthen market application, and focus on promoting the application of credit information and credit products in the development of investment and trade in Ganzhou. These documents show the determination of the China Municipal Government to firmly implement the social credit system, and also clearly define the specific methods for government departments to use third-party credit reports: to take the lead in implementing the social credit system in key areas and key links, especially in government procurement, bidding, administrative examination and approval, qualification examination, market access and other administrative matters. It requires enterprises to issue credit records or credit reports by third-party credit service agencies, which essentially requires every enterprise to be included in the management of social credit system and accepted by enterprises. (IV) The connotation of the spirit of Premier Li Keqiang's instruction "Let the trustworthy go all the way" The meaning of Premier Li Keqiang's sentence is: Let the trustworthy enjoy the green channel in handling government administrative affairs, and let the bank credit and business go all the way smoothly. Whether an enterprise is trustworthy depends on the credit evaluation of a single department, a single industry and a single region, all of which have limitations. The above are the benefits of enterprise credit failure and enterprise credit handling for the enterprise itself.
Legal objectivity:
Enterprise credit information refers to the fact that credit information institutions, as enterprises providing credit information services, collect credit information of enterprises and individuals according to certain rules, process and sort out credit information products of enterprises and individuals, and provide them to information users who have legitimate needs in economic activities for convenience, such as lenders, credit sellers, bidders, lessors, insurers, etc. The CPC Central Committee and the State Council attached great importance to the development of credit information industry and put forward clear requirements for the construction of credit information legal system. In order to standardize the credit investigation activities, protect the legitimate rights and interests of the parties, guide and promote the healthy development of the credit investigation industry, and promote the construction of the social credit system, it is necessary to issue the Regulations on the Administration of Credit Investigation Industry (hereinafter referred to as the Regulations). The promulgation of the "Regulations" has solved the problem that cannot be followed in the development of the credit information industry. It is conducive to strengthening the management of credit information market, standardizing the behavior of credit information institutions, information providers and information users, and protecting the rights and interests of information subjects; It is conducive to giving play to the role of market mechanism and promoting the construction of social credit system. Processing and sorting out the credit information of enterprises and individuals, forming credit information products of enterprises and individuals, and providing them to information users who have legitimate needs in economic activities, such as lenders, credit sellers, bidders, lessors, insurers, etc. , so that they can understand the credit status of their counterparties. Credit service can not only create conditions for preventing credit risks and ensuring transaction safety, but also enable enterprises and individuals with good credit records to obtain more trading opportunities at lower transaction costs, while enterprises or individuals without good credit records do the opposite, thus promoting the formation of a social environment of "benefiting from honesty and punishing dishonesty". Credit information industry plays an important and fundamental role in promoting the development of credit economy and the construction of social credit system. China's credit information industry has grown from scratch, its role has become increasingly apparent, and the credit information market has begun to take shape. However, it coexists with the development of credit economy and the need to speed up the construction of social credit system. The information of citizens and legal persons is improperly collected and abused, and the legitimate rights and interests are infringed from time to time, which affects the healthy development of credit information industry.