1. The reporting enterprise applies through the consulting center of a qualified third-party credit service institution, and provides the basic information of the enterprise.
2. This institution verifies the basic information of the declared enterprise: whether the enterprise has been established for three fiscal years, whether the enterprise has main business income in the past three years, and whether the enterprise is in a state of going concern.
3. After verifying that the reporting enterprise meets the above three conditions, the credit rating application submitted by the reporting enterprise can pass the examination and approval.
4. After both parties signed the contract and paid the down payment, the institution officially started the enterprise credit rating work.
5. The reporting enterprise shall clearly fill in and sign the application form provided by our company item by item, and fax or send it to this institution together with a copy of relevant application materials.
6. Conduct qualification examination and credit rating on the reporting enterprise, and then issue the rating results and publicize them.
7. Issue enterprise credit rating certificates and plaques for reporting enterprises, and issue credit reports.
Extended data
Evaluation method of enterprise credit rating
The objects of credit rating can generally be divided into two categories: bond credit rating and subject credit rating.
The credit rating of the borrowing enterprise is divided into three grades and nine grades, and the symbols are: AAA, AA, A, BBB, BB, B, CCC, CC, C? Credit rating symbols of borrowing enterprises and their meanings are as follows:
AAA？ Grade: short-term debt repayment ability and long-term debt repayment ability are the most guaranteed; Operation is in a virtuous circle, and uncertain factors have the least impact on operation and development.
AA？ Grade: Strong ability to pay short-term debts and repay long-term debts; Operation is in a virtuous circle, and uncertain factors have little influence on operation and development;
Answer? Grade: Strong ability to pay short-term debts and repay long-term debts; Enterprise management is in a virtuous circle, and its future business development is easily affected by internal and external uncertainties, and its profitability and solvency will fluctuate;
BBB？ Grade: short-term debt repayment ability and long-term debt repayment ability are average, and the principal and interest guarantee is acceptable at present; Enterprise management is in a virtuous circle, and its future business development is affected by internal and external uncertainties, and its profitability and solvency fluctuate greatly, so the agreed conditions may not be enough to ensure the safety of principal and interest;
BB？ Grade: short-term solvency and long-term solvency are weak; The business development of the enterprise is not good, the payment ability is unstable, and there are certain risks;
b？ Grade: poor short-term solvency and long-term solvency; Affected by internal and external uncertainties, enterprises have difficulties in operation, uncertain payment ability and high risks.
CCC？ Grade: short-term solvency and long-term solvency are very poor; Affected by internal and external uncertainties, it is difficult for enterprises to operate and pay, which is very risky;
CC？ Grade: short-term debt payment ability and long-term debt repayment ability are seriously insufficient; Poor business conditions, few internal and external factors to promote the development of enterprises to a virtuous circle, and great risks;
c？ Grade: short-term debt repayment is difficult, and long-term debt repayment ability is extremely poor; The business situation of enterprises has been bad, basically in a vicious circle. There are few internal and external factors that promote the development of enterprises to a virtuous circle, and enterprises are on the verge of bankruptcy.
Refer to Baidu Encyclopedia-Enterprise Credit Rating