Including a comprehensive review of the development planning, development prospects and industry development of credit targets. In the analysis, in addition to comparing the objects of credit reporting in the industry, it is also appropriate to compare them with their own vertical development history. Credit institutions can also give reference suggestions on the credit risk and credit limit of the trustee on the basis of rating and analysis.
Extended data:
The People's Bank of China organized commercial banks to set up credit information systems for enterprises and individuals, and set up credit files for more than 30,000 enterprises and nearly 600 million natural persons nationwide.
In other words, the credit status of these enterprises and individuals engaged in economic and financial activities will be recorded on the "economic identity card" and become a file that will always accompany the enterprise (himself). If loans overdue has any other breach of contract, then the "economic identity card" will be marked with a gray stroke, and you may face more cautious and critical eyes when applying for loans from banks in the future.
Credit information can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment. China has advocated the virtue of honesty and trustworthiness since ancient times, and promoted the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality and a basic principle of communication with people.
Honesty and trustworthiness are indispensable virtues for enterprises and individuals. Shanxi merchants and Huizhou merchants who once dominated China's commerce for hundreds of years can rise to the peak. A core is to establish a "honesty-oriented" business philosophy.
Baidu Encyclopedia-Zheng Xin