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.
Extended data
First, the materials required for the enterprise to handle the credit certificate.
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.
Second, 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.
Baidu encyclopedia-credit certificate
Baidu encyclopedia-credit information