What about companies that do corporate credit certification?

If you are running a business, or even an individual owner, you must have received a call for AAA credit certification.

At this time, you should listen carefully. Never listen blindly to the letter. If you are not careful, you will be taken in by the cottage organization.

At present, there are three types of institutions that carry out AAA credit certification for enterprises:

The first type: banks. Banks such as industry, agriculture, China, construction and communications all have their own enterprise evaluation system. This system is to evaluate the risk level of potential customers of banks, and its credit rating is an important reference for granting enterprise loan quotas.

However, the rating results of banks are controlled internally and are not disclosed to customers, and banks do not recognize each other's rating results, let alone to the public.

if there is publicity that you can get a bank loan if you are rated as AAA credit, it can basically be recognized as a lie.

category ii: rating of trade associations. At present, some national trade associations and chambers of commerce also carry out credit rating in member enterprises within the industry.

For example, the Association of Small and Medium-sized Commercial Enterprises conducts credit rating among its member enterprises every year. The rating ranges from a to 3A.

to be fair, the rating behavior of trade associations plays an irreplaceable role in promoting the healthy development of the industry, and it is still very convincing in evaluating the credit standing of enterprises.

Association rating is incredible. It's a joke to give credit ratings to people other than members.

category iii: third-party credit service institutions. According to the provisions of the Notice on Several Opinions on the Use of Credit Records and Credit Reports in Administrative Matters compiled by the National Development and Reform Commission, the People's Bank of China and the Central Committee, in administrative matters such as government procurement, bidding, administrative examination and approval, market access and qualification examination, relevant market entities should be required to provide credit records or credit reports issued by third-party credit service agencies according to law.

AAA credit certification issued by third-party credit service agencies is mostly used in the field of bidding, and the requirements of each subject are different. The specific certification requirements can be based on the requirements of the tender.

It should be noted that the Credit Information Center of the People's Bank of China also collects credit records of enterprises and issues credit reports for enterprises. However, the Credit Information Center of the People's Bank of China does not provide AAA certification conclusions for any enterprise or organization.