If the legal representative of an enterprise inquires about the enterprise credit report personally, he shall provide the original valid identity certificate and the original valid enterprise certificate for inspection, and keep a copy of the valid identity certificate stamped with the official seal and a copy of the valid enterprise certificate stamped with the official seal for future reference. Where the legal representative of an enterprise entrusts an agent to inquire about the credit report of the enterprise, it shall provide the original valid identity certificate of the agent, the original valid certificate of the enterprise and the original power of attorney of the legal representative of the enterprise for inspection, and keep the copy of the valid identity certificate of the agent stamped with the official seal, the copy of the valid certificate of the enterprise stamped with the official seal, the signature of the legal representative of the enterprise and the original power of attorney of the legal representative of the enterprise stamped with the official seal for future reference. Among them, the valid documents of the enterprise include: business license, certificate of legal person of public institution, registration certificate of legal person of social organization and other legal documents issued by the registration management department.
I. Reporting Purpose Enterprise credit report (self-inquiry version) (hereinafter referred to as "credit report") has two main purposes:
First, let enterprises take the initiative to know their credit records, such as checking whether there is bad credit information in the credit report and comparing whether the loan balance in the credit report is consistent with their actual loan book balance.
Second, enterprises provide it to counterparties, government departments or other institutions as proof of their qualifications and credit status in order to gain the trust of the other party. For example, it will be provided to the investment partners to cooperate with, and government departments will require enterprises to provide their own credit reports when conducting various tenders for enterprises to find out whether the enterprises have bad records.
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Second, the information display instructions
The structure of credit report is mainly divided into eight parts: report header, report description, basic information, other directly related enterprises, information summary, credit record details, enterprise record details and report information details, as follows.
(1) report title
The report header is the initial part of the credit report, which is used to describe the basic elements such as the generation time and query information of the credit report. When users browse online, the contents displayed include the credit code of the institution, the code of the loan card, the report date and other elements.
When printing and downloading, the report header is presented as a cover, and the data items displayed on the cover include report number, information subject name, institution credit code, credit card code, report date and other elements.
(2) Description of the report
The contents of the report mainly explain the data source of the credit report, some proper terms and some important matters that need to be supplemented.
When browsing online, the report description is not displayed.
When printing and downloading, the report description is displayed on the back of the cover.
(3) Basic information
Basic information shows some basic attributes of the information subject, including identity information, major investor information, senior management information, etc.
1. Identity information
Identity information mainly includes name, registered address, registration number, organization code, registration date, expiration date, national tax registration number, local tax registration number, loan card status, date of last annual review, etc.
2. Information of major investors
The main investor information includes registered capital, investor's name, certificate type, certificate number, currency, capital contribution, capital contribution ratio, etc.
3. Senior management information
Senior management information includes position, name, certificate type, certificate number, gender, date of birth, etc. The information of legal representative, general manager and financial controller is displayed in turn according to the categories of senior managers.
(4) Other directly related enterprises.
Displays the enterprises that have a first-level relationship with this enterprise. The relationship category only shows major categories, which are family business, parent-subsidiary company, investment association, guarantee association, investor association, executive association and guarantor association in turn. For the same credit card code, all related relationship categories are listed in the relationship, and enterprises rank them according to the number of relationship categories.
(5) Information summary
Summarizing information is mainly for enterprises to quickly understand what their credit reports mainly contain, the overall default and liabilities, which improves the pertinence of detailed records behind reading and improves the efficiency of interpreting credit reports.
The specific content of the summary information first displays a descriptive text, and then displays the current debt information summary, the paid-off debt information summary and the external guarantee information summary in turn.
1. Descriptive text
This part describes the overall credit status of the information subject, including three parts:
First, the general description of credit information, including the year when the information subject first had a credit relationship with financial institutions, the number of financial institutions that had a credit relationship, and the number of financial institutions that still have a credit relationship.
The second is a general description of the public information, that is, a suggestive explanation of the information subject's law-abiding performance, which mainly shows that the information subject has many records of tax arrears, civil judgment records, enforcement records and administrative punishment records.
The third is the general description of the report information, that is, whether there is information such as the description of the reporting institution, the label of the credit center and the statement of the information subject under the credit subject.
2. Summary of current liabilities information
This part mainly describes the general situation of current liabilities and contingent liabilities of information subjects, including the summary information of outstanding debts, guarantee compensation, interest arrears and advances disposed by asset management companies, as well as the summary information of seven types of outstanding credit businesses.
3. Summary of paid-off debt information
This part mainly shows the general situation of the information subject's debt repayment, including the debt repayment, guarantee compensation, prepayment summary and the summary information of seven types of credit information of the asset management company.
4. Summary of external guarantee information
This section displays the current effective external guarantee summary information under the name of the information subject.
(6) Details of credit records
The credit record details describe the credit business information of the information subject in detail one by one, reflecting the history of the credit subject borrowing money and paying back the money.
First list current liabilities, then list repaid debts, and finally list external guarantees. According to the degree of financial institutions' attention to information, the current liabilities are displayed in order: debts disposed by asset management companies, guarantee compensation, interest arrears, advances, bad and concerned businesses, and normal businesses; The way to query the settled debt business is to adjust the value rules of the reflected problems accordingly, and display liabilities, guarantee compensation, advances, loans, trade financing, factoring, bill discount, bank acceptance bills, letters of credit, letters of guarantee, etc. The asset management company uses the professional version of the bank to dispose of it in turn; External guarantee is manifested as guarantee, mortgage guarantee and pledge guarantee in turn.
Credit business shows loans, trade financing, factoring, bill discount, bank acceptance bills, letters of credit and letters of guarantee in turn from the first table to the second table.
When a certain type has multiple credit businesses, the businesses under the same top-level institution name will be displayed together; In current liabilities, different top-level institutions are arranged in descending order according to the summary value of the balance under the same top-level institution; Among the settled debts, different top institutions are arranged in descending order according to the sum of the amounts incurred. The businesses under the same top-level organization are ranked from high to low according to the "five-level classification" (loss, suspicious, secondary, concerned and normal). If the "five-level classification" is the same, current liabilities are displayed from near to far according to maturity date, and settled debts are displayed from near to far according to settlement time.
(7) Details of public records
It displays tax arrears records, civil judgment records, enforcement records, administrative punishment records, social insurance participation payment records, housing accumulation fund payment records, licensing records, certification records, qualification records, reward records, entry-exit inspection and quarantine green channel information, import and export commodity exemption information, import and export exemption classified supervision information, listed company contingencies, patent ownership, and public enterprise payment records in turn. Adjust the display order to display the non-compliant information of the information subject first, then display some positive public information, and finally display some sensitive information.
(8) Report information details
Display the description of the reporting institution, the label of the credit center and the statement of the information subject in turn. The description of the reporting institution is usually part of the credit information of the information subject, so it is displayed first. The labeling of credit information center usually includes two aspects: one is to describe some important matters related to the information subject, and the other is to raise objections to the labeling of credit information collected in the credit information report, so it will be displayed after the reporting agency explains it. The statement of the information subject is mainly the representation of the information subject to the objection handling, so it is displayed at the end.