1. Enterprise credit rating has eight green passes for enterprises in business and market activities:

It is a reliable "pass" for enterprises to obtain government support to attract investment, investment, financing guarantee and bank loans

It is a measure of the performance ability of enterprises. An indispensable "certificate of honor" for bidding reputation, comprehensive strength and competitiveness

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

is an "optimization card" for enterprises to improve business management, strengthen credit management system and improve enterprise risk control

is an enterprise to increase cooperation, sell on credit, A "risk card" to guard against signing risks

is an important intangible "asset card" for enterprises to enhance brand value and brand competitiveness

is an important "burden-reducing card" for enterprises to reduce fund-raising and transaction costs

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,

Secondly, from the perspective of exploring 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.

once again, 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. Application in business operation and marketing activities

(1) Brand image publicity; The national registration 3A logo used on the product brand, package, instruction manual, certificate, etc.;

(2) financing loan application; National credit certificates provided by institutional venture capital, financing guarantee, bank lending, etc.;

(3) business cooperation; Credit qualifications shown in enterprise investment, government bidding, signing cooperation, etc.;

(4) strive for policy support; Enterprise quality certificates for government support funds and government agencies' supervision and display;

(5) Supply and marketing purchasing basis: authoritative credit certificate that can be used when selling on credit with trading partners and expanding upstream and downstream purchasing;

(6) international trade credit: the national credit certificate of the enterprise that can be produced in international cooperation and trade;

(7) Management value: It is used to show all sectors of society and consumers the effective license of enterprise management and service transparency.

4. Traditional drawing method of credit rating categories

For the credit rating of Chinese enterprises, the internationally accepted "four grades and ten grades" rating scale is adopted, which is divided into AAA, AA, A, BBB, BBB, B, CCC, CC, C and D. At the same time, it is also an important index system to measure the financial ability of enterprises.

(1) AAA: Good credit

Enterprises have high credit degree and low debt risk. This kind of enterprise has excellent credit record, good operating condition, strong profitability, broad prospects for making a fortune, and uncertain factors have little impact on its operation and development.

(II) AA level: excellent credit

Enterprises have higher credit degree and less debt risk. This kind of business enterprise has excellent credit record, good operating condition, high profit level and broad development prospect, and uncertain factors have little influence on its operation and development.

(3) Grade A: Good credit

The credit 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 that affect its future operation and development, thus weakening its profitability and repayment ability.

(4) BBB level: average credit

The enterprise's credit level is average, and its ability to repay debts is average. The credit records of such enterprises are normal, but their operating conditions, profitability and future development are easily affected by uncertain factors, and their solvency fluctuates.

(V) BB: Poor credit

The enterprise has poor credit and insufficient repayment ability. This kind of 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

The enterprise has poor credit and almost no solvency.

(8) CC level: extremely poor credit

The enterprise has extremely poor credit and has no solvency.

(9) Grade C: No credit

Enterprises have no credit.

(X) Grade D: Without credit

The enterprise is on the verge of bankruptcy.