How to handle the credit rating of enterprises? How to assess the credit rating of enterprises

Enterprises applying for credit ratings must meet the following conditions:

1. Enterprises and other economic organizations registered in accordance with the law;

2. The enterprise has been established for three years or more, has main business income in the past three years, and the enterprise is in a state of continuous operation (i.e., no profit loss), and is not about to close down or stop the enterprise;

3. The enterprise has no bad credit record and record of violations of laws and regulations;

The process for enterprises to apply for credit certification is as follows:

1. Apply online.

2. Sign the contract.

3. Pay the down payment.

4. Submit information.

5. Issue the review results.

6. Pay the final payment.

7. Announcement of results.

8. Express certificate.

Generally, the whole process takes 15 to 20 working days, and if necessary, you can also submit an urgent request to the agency.

How long is the enterprise credit rating certificate valid for?

The validity period of Fangyuan Credit Enterprise Credit Rating Service Standard is divided into: one-year, two-year and three-year.

The one-year service includes: the issuance of grade certificates, the issuance of grade plaques, and the issuance of credit reports.

The two-year service includes: issuing grade certificates, issuing grade plaques, issuing credit reports, and providing one-year free annual review.

The three-year service includes: issuing grade certificates, issuing grade plaques, issuing credit reports, and providing two-year free annual review.

What are the benefits of Fangyuan Credit AAA Enterprise Credit Rating for enterprises?

1. Brand image promotion: AAA enterprise credit identification can be used for product brand, packaging, manual, certificate, etc., to establish a good credit image for enterprises, achieve publicity effects, and obtain more business opportunities.

2. Improvement of transaction rate: AAA enterprise credit certificate is the embodiment of the company's performance ability, bidding reputation, comprehensive strength and competitiveness, which can greatly improve the transaction rate in market trading activities.

3. Use of business cooperation: the credit qualifications shown in bidding, procurement, business cooperation, etc., and can be encouraged by the corresponding bonus points, and the AAA enterprise credit rating can get up to 3-5 points in the bidding.

4. Policy support for the enterprise quality certificate for the first support and the first institutional supervision display.

5. **Project bonus points: **One of the prerequisites for project declaration, or directly add points in the project.

6. Management value: The annual credit assessment is like a routine physical examination of the body, and the enterprise can find problems in the process of operation and management in time.

Credit rating is necessary for enterprises, not only for bidding, but also in policy support, investment bidding, business cooperation and other aspects. That's what we do, and if you still have questions, you can contact us to learn more.

How to handle the 3A credit rating?

1. Information required for enterprise credit rating certificate:

1) The original of the "Letter of Commitment", stamped with the company's seal;

2) The original "Credit Rating Registration Form" with the company's seal;

3) Business license (copy), organization certificate (copy), tax registration certificate (copy), legal person ID card, stamped with the company's seal;

4) Provide a copy of the audit report of the annual financial report (balance sheet, profit and loss statement, cash flow statement) of the past three years audited by the accounting firm; Submit the new registered capital verification report and affix the company's seal;

5) The current organizational chart of the enterprise, stamped with the company seal;

6) Company profile (including the company's core products or services, main market areas, personnel scale, main person in charge, etc., if it is a production-oriented enterprise, it is also necessary to introduce the current production capacity, core product output in the past three years, product technology research and development investment, etc.). stamped with the company's seal;

7) The business license or compulsory certification involved in the industry shall be stamped with the company seal.

2. The process of handling the enterprise credit rating certificate

1) The applicant shall apply through a third-party certification body and provide basic information of the enterprise.

2) The 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 continues to operate.

3) After confirming that the applicant meets the above three conditions, the credit rating application submitted by the applicant can only be approved.

4) After the two parties sign the contract and make a payment, the agency officially starts the enterprise credit rating work.

5) The applicant shall fill in and affix the official seal in accordance with the application form provided by us, and fax or send it to the institution together with a copy of the relevant application materials.

6) Conduct qualification review and credit rating of the declared enterprise, and then publish the rating results and make them public.

7) Issue enterprise credit rating certificates and plaques to the declared enterprises, and issue credit reports.

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Legal analysis: The application process is as follows:

1. The applicant enterprise submits an application through the consultation center of a qualified third-party institution credit service agency, and provides basic information about the enterprise.

2. The 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 continuous operation.

3. After verifying that the applicant meets the above three conditions, the credit rating application submitted by the applicant can be approved.

4. After the two parties sign the contract and pay the first payment, the agency will officially carry out the enterprise credit rating work.

5. The applicant shall fill in and sign the application form provided by us one by one, and fax or mail it to the institution together with the copies of the relevant application materials.

6. Conduct qualification review and credit rating for the declared enterprises, and then issue rating results and publicize them.

7. Issue enterprise credit rating certificates and plaques to the declared enterprises, and issue credit reports.

Legal basis: Measures for the Administration of Customer Credit Rating of Bank of China Co., Ltd. Domestic Institutional Companies Article 2 The customer credit rating belongs to the debtor's rating, which is the evaluation and confirmation of the credit status of the credit customers and guarantee customers of our bank. The customer credit rating results are an important basis for the authorization management of our credit business, the management of customer entry and exit, and an important reference factor for credit approval decisions, credit pricing, and risk classification of credit assets.

It is assessed from the aspects of enterprise operation, credit, and tax payment.

The criteria for the credit status of enterprises are as follows:

Excellent: (AAA) 90 points and above. The economic indicators of the enterprise are very good, the operation and management status is good, the economic benefits are very good, there is a strong ability to repay and pay, the market competitiveness is strong, and the enterprise has a high reputation.

Good: (AA) 80-89 points. The economic indicators of the enterprise are good, the operation and management status is good, the economic benefits are good, there is a strong ability to repay and pay, and the enterprise has a good reputation.

Better: (a) 70-79 points. The enterprise has a certain economic strength, the operation and management status is acceptable, the economic benefits are stable, there is a certain ability to repay and pay, and the credibility of the enterprise is acceptable.

General: (BBB) 60-69 points. The economic indicators of the enterprise are average, the operation and management status is average, and there is a certain degree of difficulty in repayment and payment, and there are risks.

Poor: (bb) 50-59 points. The economic indicators of the enterprise are poor, the operation and management status is poor, and the repayment and payment are more difficult and there are high risks.

Poor: (b) 49 points and below. The economic indicators of the enterprise are poor, the operation and management status is poor, and it is very difficult to repay and pay, and there is a high risk.

Enterprise credit rating and evaluation standards.

Enterprise credit rating refers to the comprehensive evaluation of the industry, basic quality, operation and management, finance and external support of the rated enterprise by the credit rating agency. Credit rating has a complete system, including the elements and indicators of credit rating, the grade and standard of credit rating, and the methods and models of credit rating.

The following principles shall be fully considered in the setting of enterprise credit evaluation indicators:

Comprehensiveness: It can comprehensively reflect the credit status of the affected subject. It can not only reflect the historical situation of the rated object, but also the future development trend**; It should not only reflect the situation of the assessee itself, but also take into account the external environmental factors and their possible impacts.

Scientific: Based on scientific methods and sufficient data, the set indicators should not duplicate the economic content covered, and the explanatory functions can complement each other.

Pertinence: Set indicators based on the specific characteristics of the company and the different uses of the report, but do not overemphasize the individuality of the rated object and ignore the commonalities between them.

How to assess the credit rating of enterprises? The specific process is as follows:

1. Preliminary preparation. The enterprise submits an application for credit rating to the rating agency, and the two parties sign the Credit Rating Agreement.

2. Data collection. The rating agency assigns a credit rating team to formulate a credit rating plan, and the enterprise prepares and provides the required information for credit rating as required.

3. Data processing. The credit rating team will read and analyze the information provided by the enterprise to verify whether the information is complete and true, and further investigation is required.

4. Preliminary rating. Comprehensively sort out the materials provided by the enterprise, all information obtained by credit institutions, and the review opinions of relevant departments, and in accordance with the measures, a third-party rating agency is to conduct a preliminary assessment of the enterprise's credit status.

5. Determine the grade. Third-party rating agencies organize experts to set up a credit review committee to evaluate the results of the preliminary assessment and determine the credit rating of the enterprise.

6. Publish the grade. The rating results will be released on ** and other major **, such as the corporate credit rating results of Fangyuan Credit will be publicized on the official website and China Bidding**, and the enterprise credit certificate, plaque and report will be issued.

7. Track ratings. During the validity period of the enterprise's credit rating, generally one year, the third-party rating agency will track and monitor its credit status, if the credit rating is increased or downgraded, the third-party rating agency will change the credit rating of the enterprise according to the tracking rating procedure, and disclose it on the relevant **, the original credit rating will automatically become invalid.

The evaluation of enterprise credit rating adopts an independent evaluation method combining qualitative analysis and quantitative analysis. That is, when evaluating an enterprise's credit rating, qualitative analysis rating standards and quantitative analysis grading standards are set respectively, and qualitative and quantitative independent ratings are respectively displayed. Finally, the enterprise credit rating was divided into 10 levels, which were represented by AAA, AA, A, BBB, BB, B, CCC, CC, C and D.

Among them, AAA-rated enterprises have the best credit, and D-rated enterprises have the worst credit.

The corporate credit rating can be divided into three levels, and each level has three levels.

First, A grade is a grade with good credit, including AAA, AA, and A.

The AAA rating, also known as the credit rating, is very high. For this kind of enterprise, the main characteristics are high operating income, sufficient financial strength, good asset quality, no bad credit history, etc., the enterprise has a strong ability to perform the contract, even if it encounters some difficulties, the enterprise can also successfully overcome the difficulties.

AA is also known as a good credit rating. For this kind of enterprise, the main characteristics are good business performance, strong profitability, good credit history in the past, etc., and the enterprise has a certain ability to resist risks.

A grade, also known as a good credit rating. For this kind of enterprise, the main feature is that the operation of the enterprise is stable, and the capital flow of the enterprise is relatively stable in the absence of major changes in the external environment.

Second, B grade is a general credit grade, including BBB, BB, and B.

BBB rating is also known as the average credit rating. For this kind of enterprise, the main characteristics are that the solvency of the enterprise is general, the credit of the enterprise is normal, etc., but when the external environment changes, the solvency of the enterprise will also be greatly affected.

BB is also known as a poor credit rating. For this type of enterprise, the main characteristics are the general credit record, the business is unstable, if the financial institution has given such enterprises loans, then there may be a possibility of not being able to repay the loan on time.

A B rating is also known as a credit rating poor. For such enterprises, the main characteristics are that the credit of the enterprise is average, and the ability to repay the loan is poor. The possibility of risky loans from enterprises is relatively high.

Third, the C rating is the grade with poor credit, including CCC, CC, and C ratings.

The CCC rating, also known as the credit rating, is very poor. For such enterprises, financial institutions are reluctant to provide loan support because of the weak solvency of the enterprises.

The CC rating, also known as the credit rating, is very poor. Such enterprises have little solvency, and if financial institutions give enterprises a certain amount of loans, then the loan is likely to be overdue.

The C rating, also known as the credit rating, is almost zero. For such enterprises, they have basically lost the ability to survive, and there is a high probability that they will not be able to obtain financing from financial institutions.