1, and the credit rating C means that the credit rating of the inquiry subject in the credit rating report is C.
2. The credit rating of credit investigation is usually divided into four grades of ABCD. A-level credit information represents excellent credit information, B-level credit information represents good credit information, and C-level credit information is poor, which is already a credit rating used for warning, indicating that the repayment willingness and credit status of the subject are poor, and there are often overdue cases or punishment records of bad credit.
What does credit rating C mean?
A credit rating of C indicates that the personal credit record is C, indicating that the user's willingness to repay is poor, overdue for many times, or enforced before. Credit information is roughly divided into three levels: A, B and C, and then further classified.
Let's talk about the classification of personal credit information system in detail.
Level 1: AAA, AA and A: The comprehensive score is above 70 points, and it is very honest in financial business such as loans. AAA grade reached more than 90 points, and there was basically no overdue situation.
Second-class: BBB, BB, B: The comprehensive score is above 50 points, and it is more trustworthy in financial services such as loans. BBB level can reach 70 points, and the willingness to repay is strong.
Level 3: CCC, CC, and C: This level has a poor willingness to repay, and often defaults such as overdue, and even is blacklisted directly.
In addition to personal credit reporting, corporate credit reporting is also classified, even more detailed than the division of individuals. Here is a brief introduction to the division of A-level.
AAA: Excellent credit and low debt risk. Such enterprises are in good operating condition and have broad development prospects, and uncertain factors have little influence on their business development.
AA level: excellent credit and low debt risk. Such enterprises have excellent credit records, high profitability and broad development prospects, and uncertain factors have little impact on their business development.
Grade A: Good credit, and there is no problem in repaying debts under normal circumstances. This kind of enterprise has a good credit record and its operation is in a virtuous circle, but there may be uncertainty in its future operation and development.
What does credit rating C mean?
Credit rating C means that the enterprise has no credit, and the enterprise has no credit.
With different credit ratings, the difficulty and conditions for enterprises to raise funds and obtain bank loans in the market are very different. Enterprise credit rating can be divided into AAA, AA, A, BBB, BB, B, CCC, CC, C and D; Here AAA-level enterprises have excellent credit; AA-level enterprises have excellent credit; A-level enterprises have good credit; Here, the D level means that there is no credit and the enterprise is on the verge of bankruptcy. The better the corporate credit here, the easier it is to handle all kinds of loans.
The content of this article comes from: China Law Publishing House "The All-knowing Series of Common Sense of Legal Life".
What does credit rating C mean?
Credit rating C is a kind of credit warning, which indicates that the borrower has poor repayment intention, is often overdue, or has been enforced before.
Credit information is generally divided into four levels, including A level, B level, C level and D level. Among them, A-level credit information indicates honesty, B-level credit information indicates trustworthiness, and C-level credit information indicates credit warning.
The main service object of credit investigation is financial institutions, which provides support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making; The main service object of employment credit information is the employer, which provides support for the employment decision of the employer.
In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate evaluation. Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.
Extended data:
Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities.
From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
classify
1. According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting.
Enterprise credit investigation is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. have
In some countries, these two types of businesses are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in one country, there are both institutions engaged in personal credit investigation and institutions engaged in personal and corporate credit investigation business types, which are generally unrestricted and decided by credit investigation institutions independently according to the actual situation. In the United States, credit reporting agencies have three main business models:
(1) Capital market credit evaluation agency, whose evaluation targets are stocks, bonds and large-scale infrastructure projects;
(2) Commercial market evaluation agencies, also known as enterprise credit service companies, are oriented to all kinds of large, medium and small enterprises;
(3) Individual consumer market assessment agencies, whose credit reference object is individual consumers.
2, according to the service object can be divided into credit, business credit, employment credit and other credit.
The main service object of credit investigation is financial institutions, which provides support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making; The main service object of employment credit information is the employer, which provides support for the employment decision of the employer;
In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate evaluation. Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.
3. According to the scope of credit reporting, it can be divided into regional credit reporting, domestic credit reporting and transnational credit reporting.
Regional credit information is generally small in scale and only provides credit information services in specific areas. This model generally exists in countries where the credit information industry has just started. After the development of the credit information industry to a certain stage, most of them tend to merge or specialize, and the real regional credit information gradually disappears.
At present, domestic credit investigation is one of the most formal institutions in the world, especially in countries that have set up credit investigation institutions in recent years. In recent years, cross-border credit reports are rising rapidly.
There are two internal and external reasons for the rapid development of this kind of credit reporting: the internal reason is that some old credit reporting agencies in western countries have infiltrated other countries in various forms (such as setting up subsidiaries, cooperation, equity participation, providing technical support, setting up offices, etc.). ) In order to expand my business.
; The external reasons are mainly the acceleration of world economic integration, the mutual penetration and integration of national economies, the increasing number of transnational economic entities, and the increasing demand for transnational credit information services. In order to adapt to this development trend, there will inevitably be more and more cross-border credit information.
However, due to the different political systems, legal systems and cultural backgrounds of different countries, the development of cross-border credit investigation is also restricted to some extent.