How to do AAA credit evaluation of enterprises?

Entrusted by the appraised object, according to the principle of "objectivity, fairness and science", based on the standardized evaluation items and contents, the behavior, ability and trustworthiness of the appraised object in fulfilling the corresponding economic commitments are investigated, reviewed and comprehensively evaluated by adopting standardized procedures and scientific methods, and the evaluation results are expressed by intuitive symbols.

According to the industry standard system of credit rating Q/FYCE 00 1-20 17, this paper investigates the credit records of enterprises in the last two years and evaluates their credit capacity in the next two years. Credit enterprises (AAA, AA, A), trustworthy enterprises (BBB, BB, B) and credit warning enterprises (CCC, CC) are divided into four grades by using the scoring method.

Its main evaluation contents are as follows:

In this evaluation criteria, the credit analysis of bidding enterprises mainly includes: industry analysis, basic quality analysis, management analysis, financial analysis and external support.

1. Industrial analysis: macroeconomic operation, economic policy and main economic indicators, industrial policy and legal system; Industry characteristics, competition, life cycle stage, financial situation, infrastructure investment, economic and geographical environment, industry prospects.

2, the basic quality analysis:

Enterprise scale, business qualification, safety and environmental protection, etc. , technical equipment level, project performance, excellent rate and awards of completed projects, honorary titles, corporate brands and their popularity; Management quality: the education level, industry experience, social honor and personal credit record of the main person in charge of the enterprise (chairman and general manager); Background and credit status of shareholders, financial support, project source support, personnel support and other possible support, bank credit support and other external support.

3. Integrity analysis: commercial credit analysis, bank loan credit analysis, relevant records of main managers and technicians, records of arrears of project funds, records of wages of migrant workers, records of industry and commerce, taxation, court proceedings and other departments.

4. Business analysis:

Mode of operation (project contracting, subcontracting), current enterprise construction capacity, ability to grasp major projects, number of projects signed by the company last year, contract amount, large-scale projects, main raw materials and their composition ratio, procurement principles, cost control, quality control, settlement methods, and enterprise's response to shortage of raw materials; Production and construction management mode, quality and safety control measures, settlement mode, market positioning, marketing strategy, project settlement mode, future market development plan and specific measures.

5. Management analysis: corporate governance structure, management mode, management level and management system.

6. Financial analysis: accounting policy; Financial policy; Profitability; Cash flow; Composition of assets and liabilities; Solvency.