How to understand enterprise aaa credit?

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

At this time, you should listen carefully. Don't listen blindly. If you are not careful, you will be taken in by the cottage organization.

At present, AAA enterprise credit certification institutions are divided into three categories:

The first category: banks. Banks such as industry, agriculture, China, construction and Bank of Communications all have their own enterprise evaluation systems. The 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.

The rating results of banks are internally controlled and are not disclosed to customers. Banks do not recognize the rating results, let alone disclose them to the public.

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

Category II: Rating of trade associations. At present, some national trade associations and chambers of commerce also carry out credit rating of member enterprises in the industry.

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

In all fairness, the rating behavior of trade associations plays an irreplaceable role in promoting the healthy development of the industry and is very convincing in evaluating the credit status of enterprises.

The rating of the association is incredible, and it is a joke to give credit ratings to people other than members.

The third category: 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 determined according to the bidding requirements.

It should be noted that the Credit Information Center of the People's Bank of China also collects the 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.