What does the credit rating of the enterprise mean

Enterprise credit rating refers to the credit rating of an enterprise evaluated by a third-party credit service agency through the collection of information from another enterprise in accordance with the credit rating rules of the credit agency. It is usually expressed in terms of a four-class ten-level system, i.e., aaa, aa, a, bbb, bb, b, ccc, cc, c, d. Among them, the AAA level is high, and the D level is low, which means that the enterprise has no credit.

When an enterprise applies for an AAA credit rating, it hopes to be rated AAA, which means that the credit is good, indicating that the credit level of the enterprise is high and the risk of the enterprise is low. Such enterprises have excellent credit records, good operating conditions, strong profitability, and broad development prospects, and uncertainties have little impact on their operation and development.

What factors affect a company's credit rating?

In accordance with the existing laws and regulations of the state, rating agencies will generally evaluate the enterprise from five aspects: solvency, profitability, operation and management, performance, development ability and potential, and make regular assessments and timely adjustments. It is subdivided into industry and commerce, taxation, labor and social security, justice, quality inspection, security inspection, environmental protection, intellectual property rights, bank credit information, enterprise operation information and comprehensive evaluation, etc. Generally, enterprises that operate legally and have no bad information records can be rated AAA enterprise credit rating.

Enterprise AAA credit rating evaluation is rated by a third-party agency certificate, the boss asked me to do AAA certification, I will not ask for help, friends recommended to me to run the government through the applet, said that it is more preferential than the physical store, two or three days after the order was received, WeChat and Alipay can be searched, into the run of the government, after the choice of AAA certification, the operation is also simple, customer service will be the first time to contact, basically did not bother, Amway to friends in need, remember to like Ha.

The credit of enterprises is divided into three grades and nine levels.

Corporate Credit Ratings In China, different management agencies have adopted different credit rating classification standards according to their own business characteristics and purposes. The more popular is the third-class nine-level credit rating standard, which is recognized by most banks and rating agencies, and the credit evaluation rating of software enterprises is divided into AAA, AA, A, BBB, BB, B, CCC, CC, C and other three and nine levels.

The internationally accepted "four-class ten-level system" rating grades, the specific grades are divided into: AAA, AA, A, BBB, BB, B, CCC, CC, C, D. Each level from "AA" to "CCC" can be corrected with a "+" or "-" sign to correct the relative level within the main level.

The China Development Bank's enterprise credit rating is rated AAA, AA, A, BBB, BBB, B, B, and C. The credit rating of the industry is expressed by early warning signals, which are divided into three types: green signal, yellow signal, and red signal. Regional credit ratings are expressed by the degree of risk, which is divided into five categories: low risk, low risk, medium risk, high risk, and high risk.

The enterprise credit rating of the Management Committee of Beijing Zhongguancun Science and Technology Park is divided into five levels: ZCL, ZC2, ZC3, ZC4 and ZC5.

There are four levels of corporate credit.

1. AAA enterprises. The score is 90 points or above, and the asset-liability ratio, interest repayment rate and maturity credit repayment ratio index scores are all full scores, and the cash flow index score shall not be less than 5 points.

2. A-level enterprises. The score is 80 points (inclusive) - 90 points (exclusive), and the asset-liability ratio and interest repayment rate index scores are full scores, the maturity credit repayment ratio index score shall not be less than 10 8 points, and the cash flow index score shall not be less than 3 points.

3. A-level enterprises. The score shall be 70 (inclusive) and 80 points (exclusive), and the score of the asset-liability ratio index shall not be less than 5 points, the score of the interest repayment rate shall not be less than 8 1 points, and the score of the maturity credit repayment ratio index shall not be less than 9 6 points.

4. B-level enterprises. The score is 60 points (inclusive) - 70 points (exclusive); or score more than 70 points, with one of the following circumstances: belong to the industry restricted by the state; The asset-liability ratio score is less than 5 points; The interest repayment rate score is below 8 1 points.

Corporate Credit:

1. Enterprise credit refers to the credit rating of an enterprise evaluated by a third-party credit reporting agency through the collection of information from another enterprise in accordance with the credit rating rules of the credit reporting agency.

2. Enterprise credit includes the credit sales carried out by manufacturing enterprises to customers with the nature of corporate legal persons in credit management, that is, product credit sales.

3. Enterprise credit management is the scientific management of the company's fiduciary activities and credit decision-making. Broadly speaking, enterprise credit management refers to the management activities carried out by enterprises in order to obtain credit provided by others or to grant credit to others.

4. The overall goal of enterprise credit management is to minimize credit risk while maximizing sales, so that the efficiency and value of the enterprise can be improved to the greatest extent. Enterprises can enhance their sales capabilities and improve profitability through credit sales.

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.

The tax credit rating can be divided into 5 credit ratings, namely A, B, C, D, and M. The A-level tax credit is determined by the annual appraisal bureau with a score of 90 points or more, a score of 70 points or more but less than 90 points for the B level, a score of 40 points or less than 70 points for the C level, and a score of less than 40 points for the D level or a direct judgment. The M level refers to the newly established enterprises, which have no production and operation business income in the evaluation year and have an annual evaluation index score of more than 70 points.

Legal basis: Article 18 of the Measures for the Administration of Tax Credit.

There are four tax credit levels: A, B, C, and D. A-level tax payment letter is used as an annual evaluation index with a score of 90 points or more; Grade B tax credit is an annual evaluation index score of 70 points or more but less than 90 points; C-level tax credit is an annual evaluation index score of 40 points or more but less than 70 points; Grade D tax credit is determined by an annual evaluation index score of less than 40 points or a direct judgment.

Announcement on Matters Concerning Tax Credit Evaluation

3. Add M-level tax credit level, and change the tax credit level from four levels A, B, C, and D to five levels: A, B, M, C, and D. The following enterprises that have not committed the untrustworthy conduct listed in Article 20 of the "Credit Management Measures" shall be subject to M-level tax credit:

1) Newly established enterprises.

2) Enterprises that have no income from production and operation business in the evaluation year and have an annual evaluation index score of more than 70 points.

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.

3A credit rating evaluation is to be assessed by the national comprehensive credit rating agency.

Credit rating is a necessary means to strengthen enterprise management and prevent risks. Through objective evaluation, enterprises can find their own shortcomings and hidden dangers, improve operation and management, strengthen risk prevention, and establish a modern credit management system that serves sales and financial control. Enterprises in developed countries with market economy have set up credit management departments, and at present, only large-scale enterprises directly under China, some listed companies, and most foreign-funded enterprises have established credit management departments.

An important function of the credit management department is to coordinate finance and sales, carry out credit transactions, and prevent operational and financial risks.

If you want to apply for an enterprise credit rating certificate, you can consult Zhongjian United Credit Rating****, which is an independent third-party credit evaluation, credit evaluation, and credit rating agency, and a legal and authoritative credit rating agency filed by Henan Provincial Social Credit Service Agency. The certificate of issuance is valid throughout the country.

According to the relevant evaluation standards, an independent third-party and authoritative professional rating agency shall adopt scientific rating methods and reasonable and standardized rating procedures in accordance with the principles of independence, objectivity and impartiality, scientifically evaluate the management ability and operation ability of the enterprise, conduct comprehensive monitoring, research and judgment on the enterprise's integrity, contract-abiding and quality-oriented model enterprises, and indicate the credit rating with international symbols.

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.

In recent years, many places across the country have successively issued relevant policies and regulations: stipulating that enterprises should use the corporate credit report issued by a third-party credit service agency when bidding, and include it in the bid evaluation measures.

In the bidding activities, more and more tenderers will bid credit rating report as the evaluation of enterprise bidding, if the bidder provides a valid credit rating certificate as required, the credit rating of AAA can be added 2 5 points, no credit rating certificate can only get 0 points, no extra points.

In addition to being able to get extra points in bidding, what are the benefits of a corporate credit rating?

1. Brand image publicity: enterprises can use corporate credit logos in product brands, packaging, manuals, and brochures.

2. Application for financing loan: After winning the bid, if the enterprise needs to carry out special financing for the project, it can show the enterprise credit certificate.

3. Use of business cooperation: In the enterprise investment, bidding, contract cooperation, etc., the enterprise credit qualification can be presented.

4. Management value: the use of effective licenses to show the transparency of enterprise management and service to all walks of life and consumers.