What are the enterprise credit reporting agencies that have obtained the record?

The enterprise income tax shall be prepaid in monthly or quarterly increments, and the prepayment of enterprise income tax shall be submitted to the tax authorities within 15 days from the date of the end of the month or quarter, and the tax shall be prepaid. The enterprise shall, within 5 months from the date of the end of the year, submit the annual enterprise income tax return to the tax authorities, and settle the final settlement and tax refund payable.

This is provided by Youqianhua, which is the credit platform of Du Xiaoman Finance, Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and fully support the production and operation of small and micro enterprises. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan of loans for small and micro business owners.

In addition, when submitting the enterprise income tax return, the enterprise shall attach the financial accounting report and other relevant materials in accordance with the regulations.

"Credit reporting establishments" refers to legal entities that have been approved and established in accordance with relevant provisions, solicit personal credit information, and provide personal credit information consultation and rating services to commercial banks and other users of personal credit information; refers to an enterprise legal person that has been approved by the departments for credit reporting oversight and management to specialize in credit reporting business activities. It is a third-party institution other than the parties to a credit transaction and has a credit information database of a certain size. In a narrow sense, credit reporting establishments refer to professional information service establishments that specialize in the collection, processing, evaluation, and dissemination of credit information with the goal of making profits.

Generally speaking, it refers to an enterprise legal person that has been approved by the department for the supervision and management of credit reporting and specializes in credit reporting business activities. Credit reporting agencies are usually divided into three categories, namely corporate credit reporting agencies, individual credit reporting agencies, and property credit reporting agencies. The concept of credit reporting agencies can also expand the types of enterprises in other types of credit management industries, such as credit rating, commercial debt collection, credit management consulting, etc., and even produce different titles.

As of June 2015, in addition to the credit investigation centers (credit investigation centers) of the People's Bank of China, there were 78 enterprise credit reporting agencies approved by the central bank, and the number of social statistics was about 150. On January 5, 2015, the central bank issued the "Notice on Preparing for Personal Credit Reporting Business", requiring eight institutions, including Sesame Credit Management, Tencent Credit, Shenzhen Qianhai Credit Information Center, Pengyuan Credit, Zhongxin Credit, Zhongzhicheng Credit, Lakala Credit Management, and Beijing Huadao Credit, to make preparations for personal credit reporting business, and the preparation time is 6 months.

<>1. Institutions that provide credit business: such as commercial banks, rural credit cooperatives, microfinance companies and other institutions specializing in providing credit business.

2. Other institutions: including personal housing provident fund centers, personal pension insurance and other institutions.

The information in the personal credit report is mainly divided into three categories, namely basic personal information, credit transaction information, and other information. These three types of information are mainly provided by the following institutions:

1. Basic personal information is provided by some of the above-mentioned institutions.

2. Credit transaction information shall be provided by institutions providing credit business.

3. Other information is provided by the Personal Housing Provident Fund Center and the Individual Pension Insurance.

First, the subject is different.

1. Credit Reporting Business Operation Filing Certificate: This is a certificate drafted and issued for the purpose of regulating credit reporting activities, protecting the lawful rights and interests of parties, guiding and promoting the healthy development of the credit reporting industry, and advancing the establishment of the social credit system.

2. Credit rating agency filing certificate: It is a certificate issued by a special economic, legal and financial expert who evaluates the credit of the issuer and the issuer.

Second, the role is different.

1. Record certificate for credit reporting business: It solves the problem that there is no basis in the development of the credit reporting industry. It is conducive to strengthening the management of the credit reporting market, regulating the conduct of credit reporting establishments, information providers, and information users, and protecting the rights and interests of information subjects; It is conducive to giving play to the role of market mechanisms and advancing the establishment of a social credit system.

2. Credit rating agency record certificate: independently express opinions on the credit status of the first person, and the credit status is expressed as the possibility of investors obtaining interest and recovering principal on time.

Third, the rules are different.

1. Credit reporting business operation record certificate: As an enterprise providing credit information services, it is to lawfully collect the credit information of enterprises and individuals in accordance with certain rules, process and organize credit reports and other credit reporting products of enterprises and individuals, and provide them to lenders, credit sellers, tenderers, lessors, insurance parties, and other information users with legitimate needs in economic activities for a fee.

Those who operate enterprise credit reporting are filed with the People's Bank of China or provincial capital sub-branches, and have credit reporting qualifications, and can issue credit reporting reports (such reports cannot be sold in China, unless credit reporting is used to mislead consumers).

The credit report is an objective record of the customer's credit situation, what bad things you have done, what good things you have done are credit records, this credit report is generally said to be only used as the most basic data, can not be used as a market transaction (including the field of bidding and bidding) Note: Many credit reporting agencies mislead the bidding agency and confuse credit and rating.

Credit rating agency record certificate, generally issued by the provinces, credit offices, including the China Securities Regulatory Commission and the China Banking Regulatory Commission, the credit rating agencies of the credit rating agencies issued by the credit office for the record certificate generally issue credit rating reports for bidding and bidding in the field of bidding and bidding, other fields are also involved, the general scope is relatively wide, the China Securities Regulatory Commission is issued for the listing of enterprises, this is very professional.

That is to say, credit rating agencies must have credit management departments to issue credit rating reports, such as *** filing, and credit reporting can only issue credit reports (at present, all provinces have credit information centers, including banks, can issue credit reports, and they are issued free of charge, and at the same time, there is no domestic enterprise credit data that meets the standard, that is to say, domestic credit agencies can not make a profit in the next few years,).

However, there are many credit reporting companies in China that make credit ratings in violation of regulations and issue rating credit reports, confusing the role of credit reporting reports and credit rating credit reports, that is to say, the credit reporting of the People's Bank of China is 100% illegal in the field of bidding and bidding, and the credit rating agency that issues the credit report of the bidding agency must have the filing qualification of the leading department of credit management (provincial credit management) to be legal.

The difference between the credit reporting business operation record certificate and the credit rating agency record certificate is that the subjects of the two are different - the subject of the former is.

The filing certificate of the credit reporting business, the latter of which is the filing certificate of the credit rating agency.

Credit reporting, including enterprise credit reporting and personal credit reporting, refers to the business activities of credit reporting establishments entrusted by citizens, legal persons, or other organizations to provide investigations, assessments, or rating reports on the credit status of enterprises and individuals through the collection and processing of enterprise and individual credit information.

Credit rating is based on the data collected by credit reporting activities, and the data obtained from credit reporting activities are processed to obtain more valuable information.

What do you rate without a credit report?

Within 30 days of the date on which the company registration authority approves the registration, a credit reporting institution that establishes and operates an enterprise credit reporting business shall file with the local branch of the credit reporting industry supervision and management department. Policies and regulations to support small and medium-sized enterprises to accelerate technological transformation. The so-called small and medium-sized enterprises refer to enterprises of various ownership systems and various forms that are established in accordance with the law within the territory of the People's Republic of China and are conducive to satisfying social needs, increasing employment, conforming to the state's industrial policy, and whose production and operation scale are small and medium-sized.

1. Preferential tax policies for enterprises:

1. Pre-tax deduction of depreciation: increase the income tax reduction and exemption of industrial and service industries, and this year, for small and medium-sized enterprises to purchase equipment and appliances worth more than 5 million yuan, the depreciation for 3 years can be deducted before tax at one time, and the depreciation for 4 years, 5 years and 10 years can be reduced by half.

2. Tax deferral policy for manufacturing industry: Extend the tax deferral policy for small, medium and micro enterprises in the manufacturing industry.

3. Scope of "six taxes and two fees" reduction and exemption: Expand the scope of application of the local "six taxes and two fees" reduction and exemption policy to all small and low-profit enterprises and individual industrial and commercial households.

2. The definition criteria for small and micro enterprises are:

1. The taxable income of the enterprise is less than 3 million;

2. The number of employees in the enterprise is less than 300;

3. Now the total assets are less than 50 million.

Legal basis: "Regulations on the Administration of Credit Reporting" Article 10: The establishment of a credit reporting agency that operates enterprise credit reporting business shall meet the requirements for establishment provided for in the "Company Law of the People's Republic of China", and within 30 days of the date on which the company registration authority approves the registration, go through the filing with the local credit reporting industry supervision and management department's dispatched agency, and provide the following materials:

1) Business license;

2) Description of the shareholding structure and organizational structure;

3) The basic situation of the business scope, business rules, and business systems;

4) Information security and risk prevention measures.

If there is a change in the filing matters, the change filing shall be handled with the original filing authority within 30 days from the date of the change.

Within 30 days of the date on which the company's registration authority approves the registration, a credit reporting institution that establishes and operates an enterprise credit reporting business shall file with the local credit reporting industry supervision and management department. Policies and regulations to support small and medium-sized enterprises to accelerate technological transformation. The so-called small and medium-sized enterprises refer to enterprises of various ownership systems and various forms established in the territory of the People's Republic of China in accordance with the law, which are conducive to satisfying social needs, increasing employment, conforming to the national industrial policy, and the scale of production and operation belongs to small and medium-sized enterprises.

1. Preferential tax policies for enterprises:

1. Pre-tax deduction of depreciation: increase the income tax reduction and exemption of industrial and service industries, and this year, for small and medium-sized enterprises to purchase equipment and appliances worth more than 5 million yuan, the depreciation for 3 years can be deducted before tax at one time, and the depreciation for 4 years, 5 years and 10 years can be reduced by half.

2. Tax deferral policy for manufacturing industry: Extend the tax deferral policy for small, medium and micro enterprises in the manufacturing industry.

3. Scope of "six taxes and two fees" reduction and exemption: expand the scope of the local "six taxes and two fees" reduction and exemption policy to all small and low-profit enterprises and individual industrial and commercial households.

2. The definition criteria for small and micro enterprises are:

1. The taxable income of the enterprise is less than 3 million;

2. The number of employees in the enterprise is less than 300;

3. Now the total assets are less than 50 million.

Legal basis: "Regulations on the Administration of Credit Reporting" Article 10: The establishment of a credit reporting agency that operates enterprise credit reporting business shall meet the requirements for establishment provided for in the "Company Law of the People's Republic of China", and within 30 days of the date on which the company registration authority approves the registration, go through the filing with the local credit reporting industry supervision and management department's dispatched agency, and provide the following materials:

1) Business license;

2) Description of the shareholding structure and organizational structure;

3) The basic situation of the business scope, business rules, and business systems;

4) Measures to prevent information security and risk exposure to sources.

If there is a change in the filing matters, the change shall be filed with the original filing authority within 30 days from the date of the change.

Legal Analysis: Credit reporting establishments are required to engage in credit reporting business and related activities in a manner that complies with laws and regulations, is honest and trustworthy, must not endanger state secrets, and must not infringe upon commercial secrets and personal privacy. At the same time, it is required that the establishment of a credit reporting agency operating enterprise credit reporting business shall meet the establishment conditions stipulated in the "Company Law of the People's Republic of China", and within 30 days from the date of approval of the registration by the company registration authority, it shall be filed with the local credit reporting industry supervision and management department.

In addition, it is required that if the credit reporting agency that operates the credit reporting business of the enterprise fails to handle the filing in accordance with the provisions, the local credit reporting industry supervision and management department shall order it to make corrections within a set period of time; If they do not change their brother within the time limit, they will be banned by the credit reporting industry supervision and management department, confiscate illegal gains, and impose a fine of between 50,000 and 500,000 yuan; where a crime is constituted, criminal responsibility is pursued in accordance with law.

Legal basis: "Regulations on the Administration of the Credit Reporting Industry".

Article 2: "Enterprise credit reporting establishments" as used in these Measures refers to establishments that comply with article 5 of the "Regulations on the Administration of the Credit Reporting Industry" and primarily collect credit information from enterprises, public institutions, and other such organizations, and organize it, store it, process it, and provide it to information users.

Article 3: The People's Bank of China is to draft rules for the management of the filing of enterprise credit reporting establishments, and the branches of the People's Bank of China at or above the provincial capital (capital) city center branch (hereinafter collectively referred to as the provincial branch of the People's Bank of China) are specifically responsible for the filing of enterprise credit reporting establishments within their jurisdiction.

Article 4: The People's Bank of China's provincial-level branch conducts filings by enterprise credit reporting establishments, and is not to be regarded as an endorsement or guarantee of the enterprise credit reporting establishment's data quality, operational level, internal control and risk management capabilities, IT technical strength, business compliance, and so forth.

Enterprise credit reporting establishments must not use the People's Bank of China's filings to carry out exaggerated or false publicity, nor must they use them as a means of financing credit enhancement.

Article 5: Enterprise credit reporting establishments are to handle filings at the provincial-level branch of the People's Bank of China at the place of registration, and accept their oversight and management.

Where enterprise credit reporting establishments carry out enterprise credit reporting business in areas other than the place of filing, and establish branches, they shall apply to the provincial-level branch of the People's Bank of China where the branch is located for filing, and the branch branch of the People's Bank of China where the branch is located is responsible for managing the wide business; If no branch is established, its business shall be managed by the branch of the People's Bank of China in each case area.

Article 6: The establishment of enterprise credit reporting agencies shall comply with the requirements for the establishment of a company as provided for in the "Company Law of the People's Republic of China", and within 30 days of the date on which the company registration authority approves the registration, go through the filing with the provincial-level branch of the People's Bank of China at the place of registration.

Article 7: After the provincial-level branches of the People's Bank of China receive an institution's application for filing, it shall make a judgment on the nature of its business and the content of the information, and where it shall be designated as an enterprise credit reporting institution in accordance with law, its application for filing shall be accepted; Where it shall not be designated as an enterprise credit reporting establishment in accordance with law, its application for filing is not to be accepted.