Urgent information and templates required for bank credit rating, please guide the masters

At present, each bank has its own set of credit rating standards, which generally calculate some financial indicators according to the operation of the enterprise, including such as liquidity, profitability, management ability, development prospects, etc. They are scored according to the criteria. Generally, the full score is 100 points, 90-100 points are AAA grades, 80-89 points are AA grades, 70-79 points A grades, and so on.

However, the ratings of each bank are generally only used as their own evaluation criteria for the loans issued to enterprises, and have no reference significance to the outside world, and the scores of various banks are not comparable.

At present, the People's Bank of China takes the lead in assessing the credit rating of enterprises holding loan cards, which is not much different from the ratings of various banks, but there is a relatively uniform standard. However, each bank still basically rates according to its own standards, and the rating conducted by the People's Bank of China is only used as a reference.

Ratings don't make much sense because of the low level of integrity in China and the lack of transparency in corporate financial data.

Application process and materials for the 2018 credit rating certificate.

The credit rating certificate is mainly issued by a third-party credit service agency.

Application process: 1. Preliminary pre-examination: fill in the "Enterprise Credit Rating Evaluation Application Report";

2. Fill in the application for approval;

3. Fill in the "Enterprise Credit Rating Evaluation Declaration" and sign 2 copies of the agreement through the preliminary examination;

Fourth, the institution audit;

6. Certificate filing and issuance.

After the filing is completed, certification certificates, credit reports and related honorary certificates will be issued, and the official website of China Bidding and Bidding Network and Shenzhen Fangyuan Credit will publicize the results of enterprise credit rating evaluation. Establish credit archives for promotion and publicity.

One**. 1. Application for Enterprise Credit Rating Evaluation

Requirements: Fill in the contents of the form completely and accurately; It must be signed by the legal representative of the enterprise and stamped with the official seal of the enterprise.

2. Sign 2 copies of the agreement with your company.

3. Application for Enterprise Credit Rating Evaluation

Requirements: Fill in the contents of the form completely and accurately, and there shall be no blank items, if there is no content in the specific project, please fill in "none"; Stamped with the official seal of the enterprise.

2. Additional information (copies of the following information must be stamped with the official seal of the enterprise).

1. A copy of the business license (copy), organization certificate (copy), tax registration certificate (copy), loan card, and registered capital verification report after annual inspection.

2. Provide a copy of the audit report of the annual financial report (balance sheet, profit and loss statement, cash flow statement) of the last three years audited by the accounting firm.

3. Business licenses or compulsory certifications related to the industry.

4. Copies of independent intellectual property rights, trademarks, patents, qualification licenses, product exemption certificates and other honors that have been obtained in recent years.

5. Passed various certifications, as well as copies of relevant qualification certificates (such as quality management system certification, environmental system certification, etc.), social honor award certificates (such as ** business, customers, banks, industry and commerce, taxation) certificates.

6. The current organizational chart (including the position setting of each department and the description of the responsibilities of each position); A list of written documents and document directories of relevant systems (including the articles of association, executive incentive and restraint mechanisms, financial and sales management systems).

7. Description of the plan and plan in terms of enterprise profile, business development, product market positioning, future market prospects, development strategy, etc. (if any, please describe in detail).

8. Proof of funding public welfare undertakings in the past three years (if any, please provide).

9. Other relevant documents or materials to prove the credit of the enterprise.

3A enterprises refer to enterprises whose credit has been evaluated by the industry and institutions to meet the 3A credit standards, and the rated enterprises will receive plaques and certificates issued by the institutions. Its most direct role is in the bidding, procurement, engineering construction, as the credit certificate of the enterprise, to help bidders to obtain the advantage of bidding extra points.

The company has previously handled the 3A credit rating certification It was handled on a small program called Running Zhengtong, and it was quite fast to be blocked, and it was received every other day, and the boss said**It seems to be more preferential than the scene, Alipay and WeChat can be searched, enter the Running Zhengtong, and then choose AAA certification, wait for customer service to contact, you can go and see it, remember.

The credit rating indicators of banks include tax registration, tax declaration, account books, voucher management, tax payment, and handling of violations of tax laws and administrative regulations.

1. Tax registration: business registration; Withholding tax registration; Registration of tax changes; registration of the use of certificates; Annual inspection and renewal of certificates; Bank account number reports; Tax recognition (including general taxpayer identification, etc.).

2. Tax declaration: regular tax declaration rate; Accuracy of regular tax returns; withholding and payment of periodic returns; the accuracy of withholding and payment on time; Submit financial and accounting statements and other tax information.

3. Management of account books and vouchers: submit financial accounting system or financial accounting treatment methods and accounting software; Set up and keep account books and vouchers in accordance with regulations, keep accounts and carry out accounting according to legal and valid vouchers; keeping, issuance, use and acquisition of invoices; Installation, storage and use of tax control devices and anti-counterfeiting tax control systems.

4. Tax payment: the rate of tax payable in the warehouse on time; tax arrears; The rate of withholding and paying tax in the warehouse on time.

5. Handling of violations of tax laws and administrative regulations: records of tax-related violations and crimes; Records of tax administrative penalties; Records of other tax violations.

Customer credit ratings are divided into AAA, AA (AA+, AA, AA-), A (A+, A, A-), BBB, BB, and B.

AAA customers: The scale of production and operation of the customer has reached economic scale, the market competitiveness is very strong, the development prospect is very good, the management level is very high, there is a very reliable and predictable net cash flow, there is a strong ability to repay debts, it is very valuable to the business development of the bank, and the credit status is very good.

AA+ customers: customers have strong market competitiveness, good development prospects, high management level, reliable and good net cash flow, strong solvency, valuable for the business development of the Bank, and good reputation.

AA customers: customers have strong market competitiveness, good development prospects, high management level, good net cash flow, strong solvency, value for the business development of the Bank, and good reputation.

AA-rated customers: customers have strong market competitiveness, good development prospects, high management level, relatively good net cash flow, strong solvency, value to the business development of the Bank, and good credit status.

A+ customers: customers have strong market competitiveness, good development prospects, high management level, good net cash flow, strong solvency, certain value for the business development of the Bank, and good reputation.

A-level customers: customers have average market competitiveness, average development prospects, average management level, average net cash flow, average solvency, certain value for the business development of our bank, and average credit status.

A-rated customers: customers with average market competitiveness, average development prospects, average management level, mild tight net cash flow, weak solvency, average credit status, and certain risks.

BBB-rated customers: customers have poor market competitiveness, poor development prospects, poor management level, tight cash flow, poor solvency, and customers have problems that need to be paid attention to, and have greater risks.

BB-rated customers: customers have poor market competitiveness, financial efficiency, poor management level, weak solvency and high risk.

B-level customers: customers have poor market competitiveness, financial efficiency, and management level, and their solvency is very weak and risky.

Stable job and income, fixed place. This preconceived condition. If you have a deposit and proof of real estate, you can apply for a card with a higher limit.