What is the meaning of enterprise archives of Shuidi?

Shuidi Credit Information is a platform for providing enterprise credit information, which belongs to Shanghai Ping An Credit Information Service Co., Ltd. and is a credit information agency registered by the People's Bank of China. It is jointly operated by Beijing Qihoo Technology Co., Ltd. and Shanghai Ping An Credit Information Service Co., Ltd. ..

There is a credit file of China enterprises, and the file data mainly comes from public data of government departments, public information of enterprises, big data on the Internet, independent declaration data of enterprises, comments of netizens, etc.

Commercial credit:

It is the credit provided by buyers and sellers when selling goods (or providing services) on credit. When buying and selling goods in this way, when the goods change hands, the buyer does not pay cash immediately, but promises to pay after a certain period of time. In this way, the two sides formed a debt relationship, the seller is the creditor and the buyer is the debtor.

The commercial credit provided by the seller is equivalent to lending the buyer a sum of capital, so the buyer has to pay interest. The price of goods sold on credit is generally higher than that of goods sold in cash, and the difference forms the interest paid by credit buyers to credit sellers.

(1) The tool of commercial credit is commercial paper;

Commercial paper is a written creditor's right certificate that creditors require debtors to issue in order to guarantee their own creditor's rights. It is divided into promissory notes and drafts. A promissory note is a certificate issued by the debtor to the creditor, promising to pay the money within a certain period of time. A bill of exchange is a document issued by a creditor to the debtor, requiring the debtor to pay a certain amount to a third party or the holder. Commercial paper can be circulated within a certain range.

(2) the causes of modern commercial credit:

Commercial credit is produced under the condition of simple commodity economy, and its extensive development is realized in a highly developed commodity economy. This is because: first, the circulation and turnover of industrial capital need commercial credit; Second, the existence and development of commercial capital need commercial credit.