Question 2: What does a standard enterprise credit report include? A standard enterprise credit report generally includes the following contents: a) Home page: it mainly includes the name of the report, the name of the enterprise under credit, the name of the report provider, the completion time of the report, the report number, the investigation description, etc. , and there is a statement about the legal responsibility of reporting. B) Summary of the report: it mainly includes the summary and reflection of important information such as contact information, operation and credit rating of the registration information office of credit enterprises. Through this part, we can quickly understand the credit status of the credit enterprise. C) Report text: The text is a part that comprehensively reflects the credit status of the enterprise under credit investigation, mainly including: basic information: mainly including the registered information, shareholder information, subsidiary information, management and staff information, office facilities information and related change information of the enterprise under credit investigation. Business information: mainly includes the main business and business information, that is, purchasing, production and sales information, as well as the evaluation of credit enterprises by major suppliers and customers. Financial information: mainly including the balance sheet, profit and loss statement and main financial indicators of the credit enterprise. Pay attention to abnormal financial data. Current financial institution information: mainly including enterprise account number and bank name. Information recorded by the public: it mainly includes the positive and negative information of the credit enterprise recorded by the court, industry and commerce, taxation, quality supervision, customs and other administrative and judicial departments, other institutions and organizations that undertake administrative functions, mass organizations, media and electronic trading platforms. If the enterprise under credit investigation has been involved in litigation in the past two years, it shall list the litigation-related information. Comprehensive evaluation: it mainly includes comprehensive evaluation and vertical and horizontal comparison of the development plan, development prospect and industry development status of the enterprise under credit investigation. On the basis of rating and analysis, we can also give some reference suggestions on credit risk and credit limit of credit enterprises. D) Important explanation: mainly including credit rating methods or main basis, rating symbols and explanations, and other matters that need to be explained.
Question 3: How to inquire about the inquiry process of enterprise credit report of directly under the authority China People's Bank?
1. Individuals (or entrusted agents) may apply to the Credit Management Department of the local People's Bank for inquiring about enterprise credit reports or inquire about credit reports on behalf of others. Inquire about the required materials:
1. Check the valid copy of the business license of the enterprise;
2. Inquiry letter of introduction issued by the enterprise (inquiry content and inquiry personnel must be indicated);
3. A copy of the identity certificate of the enterprise inquiry personnel;
4. Query the enterprise's loan card.
Two, on behalf of others to submit an application for inquiry, should provide the following materials:
(a) the original and photocopy of the valid identity documents of the client and the agent, and keep the photocopy of the valid identity documents for future reference;
(2) the power of attorney of the client authorizing the inquiry;
Three, the judicial organs at or above the county level (including the county level) and other administrative departments that have the right to inquire according to law may apply to the local people's bank for inquiring about the credit report of the enterprises involved. To apply for judicial inquiry, the following materials shall be submitted:
(a) the letter of investigation or letter of introduction of enterprise credit report issued by the judicial department (including the explanation of the situation and the reasons for the inquiry, the name of the inquired person, etc.);
(two) the original and photocopy of the work certificate of the handling personnel applying for judicial inquiry.
Four, the information provided by the applicant does not meet the requirements, the inquiry institution will not accept it.
Verb (abbreviation for verb) query location:
For details of the external service halls of the city branches and central branches of the People's Bank of China, please refer to official website Information of Credit Information Center of the People's Bank of China.
Question 4: How to understand the enterprise version of the People's Bank's credit report mainly depends on how many loans each bank has.
Whether it exceeds the actual needs, a company may not be many, and it may add up to more.
Whether there are overdue loans.
According to these circumstances, then decide whether it is possible for you to book business.
Question 5: How to inquire about the enterprise credit report pbccrc/? You can check it here. This is the official website. You can also take your ID card to the People's Bank of China and other places, such as Chongqing. Many banks have self-service machines for inquiring and printing credit information.
Question 6: What information do I need to bring to inquire about the enterprise credit report? 1. The legal representative inquires about the enterprise credit report.
The legal representative shall provide the following materials when inquiring about the enterprise credit report at the inquiry point:
1. Original of my valid ID card.
Valid identification documents include: ID card (the second-generation ID card must be copied on both sides), military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit.
2. Original valid registration certificate of the enterprise (industrial and commercial business license or institution legal person registration certificate, etc.). ).
3. Other documents, such as the original credit code certificate, enterprise loan card or organization code certificate.
4 "Enterprise Credit Report Inquiry Application Form"
When inquiring about the enterprise credit report, the legal representative shall keep copies of valid identity documents, valid registration documents and other documents for future reference.
Second, entrust an agent to inquire about the enterprise credit report.
Where an agent is entrusted to inquire about the enterprise credit report at the inquiry point, the agent shall provide the following materials:
1. Original valid identity documents of legal representative and agent.
2. Original valid registration certificate of the enterprise (industrial and commercial business license or institution legal person registration certificate, etc.). ).
3. Other documents, such as the original credit code certificate, enterprise loan card or organization code certificate.
4. Certificate of authorization of the legal representative of the enterprise
5 "Enterprise Credit Report Inquiry Application Form"
Entrusting an agent to inquire about an enterprise's credit report also needs to leave copies of valid identity documents, valid registration documents and other documents of the legal representative and agent, and the original power of attorney of the legal representative of the enterprise for future reference.
Question 7: There are two ways to inquire about the enterprise credit report: one is to go to the credit management department of the local People's Bank, and the other is to go directly to the credit management department of the local China Bank. Either way, I need to bring my ID card.
Question 8: What are the common problems that focus on the basic information of enterprises in enterprise credit reports?
The account managers of many commercial banks tend to pay more attention to the credit information of enterprises and ignore the interpretation of the basic information of enterprises. on the one hand
Attention should be paid to the information of affiliated enterprises. Some enterprises will transfer or conceal assets by registering affiliated enterprises or through affiliated enterprises.
Beautify your financial statements with high debt and low debt; Second, we should pay attention to the investors, senior managers and legal representatives of enterprises.
Changes, changes at the top often mean internal instability. As a well-known problem of landscape cement, at first,
Originated from the internal equity dispute.
Pay attention to the overall debt situation of enterprises
Faced with many credit records in corporate credit reports, account managers of commercial banks often pay attention to loan details first.
Especially the current situation, maturity date and guarantee measures of each loan, but the greater risks are often hidden in the overall situation of the loan. one
Attention should be paid to whether the total loan amount in the statement is consistent with the financial statement provided by the customer. If the total amount of loans in the credit report indicates that
Obviously higher than the financial statements provided by customers, indicating that enterprises have problems such as concealing liabilities and whitewashing statements, and even large enterprises.
Measure the possibility of private financing. If the total loan amount in the credit report is obviously lower than the financial statement value provided by the customer, there is an enterprise levy.
The delay of letter reporting or the possibility that the enterprise has affiliated enterprise loans or private loans need further investigation and verification by the account manager. The second one is
Need to pay attention to the history of corporate debt changes. The history of debt changes shows the total bank liabilities of customers at the end of each quarter in the past three years.
The account manager of the bank should judge whether the customer's liabilities in the bank have increased or decreased significantly according to the customer's own operating conditions.
If it increases significantly, it means that there is the possibility of blind expansion; Or decline year by year, there is the possibility that other banks will withdraw from customers.
Pay attention to the details of unpaid normal credit records of enterprises
First, pay attention to the loan with maturity before the inquiry date and the situation that the loan balance is "odd", and verify the customer's
Whether the loan has not been repaid within the original time limit. If the balance is "odd", in addition to the customer's partial repayment in advance,
Another possibility is that the loan has been restructured by other banks and should be highly concerned; Second, pay attention to the "loan slip" in the details.
If there is a situation of "recovering the loan", we should pay attention to whether any customer has applied for a loan of "borrowing the new and returning the old" due to operational difficulties.
Possibility; Third, we should pay attention to whether there is a working capital loan with a long loan period. At present, apart from individual medium and long-term liquidity loans,
Commercial banks generally issue short-term working capital loans within one year. If there is a term exceeding one year in the loan details,
Working capital loans, should focus on the investigation of whether there is reorganization of loans; Fourth, pay attention to "details of normal credit records"
On the maturity date, reasonably arrange the maturity date of the proposed loan, and try not to collectively expire with loans from other banks. At the same time, we should pay attention to the upcoming
Whether there is a reliable source of repayment funds and the loan bank's willingness to renew loans for large-sum loans due, and for the source of repayment funds,
Customers with poor reliability or who have not been renewed by the lending bank need to be careful to intervene.
Pay attention to other information such as settled business.
The settlement of the loan does not mean that there is no risk in the business process. Therefore, the account managers of commercial banks should also attach great importance to the information such as settled loans, and comprehensively judge the business trend of enterprises through the analysis of settled loans and outstanding loans. First, check whether there are advances in "settled business" and whether there are "attention" records in the five-level classification status of settled loans. if
The existence indicates that the customer may have overdue loans from other banks, or borrow new loans, repay old loans, restructure loans, etc. ; Second, pay attention to the "main business information of external guarantee" to see whether the five-level classification of external guarantee business is normal and whether the loan maturity date is within the inquiry date.
Before, whether there was any "small change" in the balance of external guarantee, and verify whether there was any abnormal loan guaranteed by customers. In addition, it should also
By summarizing the main business information of external guarantee and comparing it with the data provided by customers, verify whether the external guarantee data provided by customers is true; Third, pay attention to the details of enterprise information and check whether customers have court enforcement records and external supervision departments.
Punishment information. ...& gt& gt
Question 9: Can the enterprise's credit report be used to check the past time? I can't seem to. Credit reports are always the result of inquiries. That's what banks do anyway. I guess the People's Bank of China doesn't have this function either, but you can ask someone else.
Question 10: How to get the enterprise credit report? First, the customer contacts the customer service department of the credit reporting agency and signs a report purchase agreement; The customer service department transfers the client's entrustment to the operation department to complete the research and report writing; After the credit report is completed and reviewed, it will be sent to the customer in time.
At present, a standard enterprise credit report generally takes 8 working days from placing an order to obtaining it. The report can be obtained within 3-5 working days for urgent or extremely urgent entrustment.