When an enterprise opens a credit certificate, it must submit relevant information to the relevant bank, fill in the detailed information and pay the handling fee. The bank will approve this, which will usually be completed within 3-5 working days. The enterprise shall provide a power of attorney to open a credit certificate, and affix the official seal of the enterprise, a copy of the business license, a copy of the legal person's ID card and other materials. The more complete the information provided by the enterprise, the more comprehensive and true the credit certificate will be.
Enterprise credit certification business refers to an intermediary business in which banks accept enterprise applications, collect and sort out the records of capital movements and related information of enterprises within the scope of bank records, and issue credit certification letters to prove the credit status of enterprises. It is the qualification that needs to be issued when bidding.
The credit certificate of an enterprise is mainly used for business purposes such as self-introduction in business communication, issuing certificates to cooperative units, applying for business licenses in special industries, and bidding for projects. It is the certification document for banks to evaluate the credit status of enterprises.
Materials required for enterprises to apply for credit certification
1, letter of introduction;
2. Bank account opening license;
3. Organization code certificate;
4. National tax certificate;
5. Power of attorney of legal person;
6. Identity cards of legal persons and authorized customers.
The role of enterprise credit certificate
1. has a valid credit "ID card".
In a market economy, every enterprise (unit) is an independent operator. Signing a purchase and sale contract, participating in bidding, applying for qualification and striving for government procurement all require a valid credit "ID card" to gain the trust of the other party.
2. Have a reliable "pass".
In the capital market, enterprises should use bonds and other financing tools to raise funds, and they must be evaluated by qualified evaluation agencies before issuing bonds; In the credit market, enterprises also need to apply for loans from financial institutions through credit rating in order to obtain loan support from financial institutions.
3. An important means for enterprises (units) to reduce financing costs.
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.
4. Important intangible assets of the enterprise.
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.
5. An important driving force for improving enterprise management.
In the credit evaluation of enterprises by independent third parties, we can see the advantages and disadvantages of enterprises, and make clear the direction and development ideas of future efforts. An enterprise with excellent or better credit rating is equivalent to an objective affirmation and exact evaluation of its operating conditions, so as to further optimize its management.
Legal basis: Article 188 of the Criminal Law of People's Republic of China (PRC), employees of banks or other financial institutions who issue letters of credit or other guarantees, bills, certificates of deposit and credit certificates for others in violation of regulations, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than five years. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.