It is a reliable "passport" for enterprises to obtain government support for attracting investment, investment, financing guarantee and bank loans.
It is an indispensable "honorary certificate" to measure the performance ability, bidding reputation, comprehensive strength and competitiveness of enterprises.
It is a "guide card" for enterprises to gain insight into the inevitable trend of social and economic development, upgrade modern management and move towards internationalization.
It is an "optimization certificate" for enterprises to improve management, strengthen credit management system and improve enterprise risk control.
It is a "risk certificate" for enterprises to increase cooperation, sell on credit and sign contracts in their business activities.
It is an important intangible "asset certificate" for enterprises to enhance brand value and brand competitiveness.
It is an important "burden reduction certificate" for enterprises to reduce financing costs and transaction costs.
It is an "identity card" for enterprises to shape their credit image in market activities.
2. The significance of credit rating:
From the perspective of enterprise production and operation, credit rating is beneficial for enterprises to use external funds to develop themselves, increase their ability to absorb social funds and financial capital, and eliminate investors and financial institutions' fear of "breaking faith" in enterprises;
Secondly, from the perspective of opening up the market, credit rating is conducive to improving the social visibility of its enterprises and products, so that consumers, trading partners and partners can eliminate their vigilance.
Thirdly, from the perspective of enhancing corporate image, credit rating is beneficial for enterprises to display their credit brands and accumulate intangible assets.
A comprehensive, objective, scientific and fair credit rating can not only enable enterprises to get a pass to enter the market, but also enable enterprises to see their present situation and future more clearly, so as to formulate scientific development strategies.
3, the application of enterprise management and marketing activities
(1) brand image promotion; The national registration 3A mark used on the product brand, packaging, instructions and certificates. ;
(2) An application for financing loan; National credit certificate provided by institutional venture capital, financing guarantee, bank loan, etc. ;
(3) business cooperation; Enterprise investment, government bidding, signing cooperation and other aspects of the credit qualifications. ;
(4) Policy support; Enterprise qualification certificate of government support funds and supervision and display by government agencies;
(5) Supply and marketing procurement basis: authoritative credit certificate that can be used when selling on credit with trading partners and expanding upstream and downstream supply and marketing;
(6) International trade credit: the enterprise national credit certificate that can be produced in international cooperation and trade;
(7) Management value: Show all sectors of society and consumers the use of valid licenses for enterprise management and service transparency.
4. Traditional drawing methods of credit rating categories
The credit rating of enterprises in China is divided into AAA, AA, A, BBB, BBB, BB, B, CCC, CC, C and D according to the internationally accepted rating scale, which is also an important indicator system to measure the financial ability of enterprises.
(1) AAA: good credit.
Enterprises have high credit and low debt risk. Such enterprises have excellent credit records, good operating conditions, strong profitability and broad prospects for making a fortune, and uncertain factors have little impact on their business development.
(2) AA level: excellent credit.
Enterprises have high credit degree and low debt risk. Such commercial enterprises have excellent credit records, good operating conditions, high profitability and broad development prospects, and uncertain factors have little impact on their business development.
(3) Grade A: Good credit.
The credit degree of the enterprise is good, and there is no problem in repaying debts under normal circumstances. This kind of enterprise has a good credit record and its operation is in a virtuous circle, but there may be some uncertain factors affecting its future business development, thus weakening its profitability and repayment ability.
(4) BBB level: general credit.
Enterprise's credit degree is average, and its solvency is average. The credit records of these enterprises are normal, but their operating conditions, profitability and future development are easily affected by uncertain factors, and their solvency fluctuates.
(5)BB grade: poor credit.
The credit degree of enterprises is poor and the repayment ability is insufficient. Such enterprises have many bad credit records, and their future prospects are uncertain, which contains speculative factors.
(6) Grade B: poor credit.
Enterprises have poor credit and weak solvency.
(7) CCC level: poor credit.
Corporate credit is very poor, and there is almost no solvency.
(8) CC grade: poor credit.
Enterprise credit is extremely poor, and it has no solvency.
(9) Grade C: No credits.
Enterprises have no credit.
(10) Grade D: No credits.
The enterprise is on the verge of bankruptcy.