What is the use of water drop credit enterprise certification?

The main function of Shuidi Credit is to inquire the basic qualification information of an enterprise, such as the time of establishment, legal person, registered capital, address, etc. If others have dishonest records, they can also check the credit through Shuidi. As a big data credit evaluation platform for small and medium-sized enterprises, Shuidi Credit takes credit reporting as the breakthrough point, so that users can clearly query the relevant information of enterprises.

Extended data:

A legal person is an organization that has the capacity for civil rights and civil conduct, enjoys civil rights and undertakes civil obligations independently according to law. The essence of a legal person is that a legal person can have the same civil rights as a natural person and become a civil subject with rights and obligations. The Civil Code divides legal persons into profit-making legal persons, non-profit legal persons and special legal persons according to their different purposes of establishment.

A legal person is a social organization established according to law. This is the biggest difference between a legal person and a natural person. Legal person is a social organization, but not any organization can obtain legal person qualification. Only social organizations that meet the statutory requirements and are recognized or approved by law can obtain legal person status.

A legal person has independent property or funds. Having independent property or funds is the basis and premise for the existence of a legal person as an independent subject, and it is also the material basis for a legal person to independently enjoy civil rights and assume civil obligations.

Legal persons shall bear civil liability independently. It is the inevitable reflection and result that a legal person can bear civil liability independently. Just because a legal person has independent property, it is natural to bear the property liability arising from its own activities independently.

Registered capital refers to the total capital registered by a joint venture in the registration authority, which is the sum of the capital contributions paid or promised by all parties to the joint venture. According to the laws of our country, before the establishment of a joint venture, the registered capital of the joint venture, the amount and proportion of capital contributions of all parties to the joint venture, profit distribution and loss sharing must be clearly stipulated in the joint venture contract and articles of association, and registered with the registration authority.

In the structure of capital contribution ratio, on the one hand, industrial property rights extend to the whole intellectual property rights; On the other hand, the restriction on the proportion of intangible property investment has been abolished, and only the amount of monetary investment is not less than 30% of the registered capital. More importantly, the legislative mode of shareholders' capital contribution has fundamentally changed into a flexible abstract standard.

What does water drop credit mean?

The main function of Shuidi Credit is to inquire the basic qualification information of an enterprise, such as the time of establishment, legal person, registered capital, address, etc. If others have dishonest records, they can also check the credit through Shuidi.

As a big data credit evaluation platform for small and medium-sized enterprises, Shuidi Credit takes credit reporting as the breakthrough point, so that users can clearly query the relevant information of enterprises.

Users want to know the relevant information of the enterprise clearly, and they can learn it through Shuidi Credit, which can avoid related problems in the future.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

What is the reason for receiving SMS credit?

Most of them are short message marketing advertisements. Shuidi Credit collects information from the national information open network, grabs personal information, and then sends short messages to individuals for marketing.

Extended data:

Shuidi Credit is a national big data credit evaluation platform, which is committed to providing services for government departments, providing credit evaluation services for small and medium-sized innovative enterprises under the background of mass innovation policies, helping small and medium-sized enterprises to develop and reducing financing costs; Promote the construction of a social credit system based on honesty.

Drip credit provides enterprise information, enterprise credit, enterprise dishonesty records, enterprise foreign investment information, and inquiries of enterprise shareholders and legal persons. Data sources: public information of government departments, public information of enterprises, Internet big data, self-declaration information of enterprises, comments of netizens, and intelligent collection, processing, correlation, modeling and all-round portrait of enterprises, providing credit information service for netizens, government departments, commercial banks, P2P companies, funds and general enterprise users.

Water Drop Credit starts with credit investigation, provides credit evaluation to users, and then establishes relationships with enterprises or individuals. For example, in the cooperative market with the other company, we can avoid all kinds of problems in the future by knowing the employment registration information, investment information and dishonesty information of the other company.

What is the use of water drop credit enterprise certification;

Enterprises have completed the certification of water drop credit, which can increase the credibility of enterprises, reduce transaction costs and enhance the competitiveness of enterprises. With the improvement of corporate reputation, it is easier to win the trust of the market if you want to attract investors to invest or apply for loans from banks. Moreover, enterprises themselves can find their own shortcomings through credit evaluation, thus improving management.

Therefore, there are many benefits to completing the water drop credit enterprise certification, and users can choose whether to carry out the water drop credit enterprise certification.