When people query corporate information through Qichacha , Tianyancha, Aiqicha, Qixinbao , it always shows that the enterprise has its own risks, operating risks, judicial risks, cooperation risks, competition risks, and related risks. , historical risks, etc. If there are too many risk warnings, customers or partners will have doubts about the company's credit ability, performance ability, product or service quality, etc. What do these risks mean? How are they formed? And can they be eliminated? We interviewed Beijing Liben Meifa Credit Co., Ltd., a well-known credit repair agency, to provide detailed explanations for netizens and business owners.
Let’s look at a picture first. There are a lot of risk records on this picture:
1. Self-risk
The company’s own risk mainly consists of the following indicators: dishonesty people subject to execution , high consumption limits, restrictions on leaving the country, being executed Persons, final cases, litigation records, judgment documents, equity freeze, tax arrears announcement, tax violations, serious violations, business abnormalities, administrative penalties, environmental penalties, cancellation, bankruptcy reorganization, etc. According to the analysis of Liben Credit, for operating enterprises, the risk indicators with the most serious impact are: dishonest persons subject to enforcement, high consumption restrictions, persons subject to enforcement, final cases, serious violations of laws, administrative penalties, etc. Many companies have come to us and requested to delete these bad records by name. The main sources of these records are: China Judgment Documents Network, China Enforcement Information Disclosure Network, People's Court Announcement Network, Credit China, National Enterprise Credit Information System, etc.
2. Judicial risks
Judicial risks are caused by corporate lawsuits. Whether the defendant or the plaintiff, regardless of winning or losing, is considered a judicial risk. The main indicators include: court opening announcements, legal proceedings, court announcements, consumption restrictions, and Execution, export restrictions, judgment documents, final cases, service announcements, case filing information, judicial auctions, etc. If these cases are closed or have been executed, you can ask Beijing Liben, a credit agency, to delete them. After deletion, the judicial risks of Qichacha Tianyancha will disappear, and you can also use the supplier credit management of banks and state-owned enterprises. system.
3. Business risk
Experience risk mainly refers to the risks generated in the business process. It is the main indicator to measure the standardization and benignness of business operations. It mainly includes: debt/claims, contract breach, shell scanning, cooperation risk, and competition risk. , Abnormal operations, serious violations of laws, equity pledge, equity pledge, administrative penalties, environmental penalties, tax violations, chattel mortgage , liquidation information, land mortgage , labor arbitration , software violations, guarantee information, simple cancellation, Cancellation filing, government interviews, public notices, notices, tax arrears notices, blacklists, product recalls, entry denial, etc. Among them, some risks can be eliminated through establishing credit, such as cooperation risks, competition risks, business abnormalities, serious violations of laws, administrative penalties, environmental penalties, tax violations, public notices and reminders, tax arrears announcements, etc.
4. Cooperation risk
Cooperation risk mainly refers to judicial litigation records with suppliers. If the cooperation risk is high, it proves that the relationship between the company and suppliers is generally poor, or the ability to screen suppliers is insufficient.
5. Competition risk
Competition risk refers to judicial litigation records with peers and competitors, including suing others and being sued by others, as well as unfair competition penalties. These lawsuits can also expunge records if they are settled.
6. Related risks
Related risks refer to the risks of related companies themselves. The company has other controlling and participating companies, or other companies that are the company's major legal shareholders. Risks, such as judicial litigation, execution, breach of trust, etc., will also reflected in the company's risk indicators. Now, if there are serious related risks in the risk control or supplier evaluation of state-owned enterprises, central enterprises, and banks, cooperation will also be difficult.
6. Historical risks
Historical risks refer to the risks mentioned above that have become history, that is, the risks have been completed and eliminated on the national publicity platform, and still remain on Qichacha, Tianyancha, Aiqicha, and Qixinbao.These also have an impact, and you can also go to Liben Credit in Beijing to delete them.
In the pre-loan investigations of many banks, central enterprises, and state-owned enterprises, judgment documents, judicial litigation records, administrative penalty records, records of persons subject to execution, tax arrears records, etc. have become key risk points that affect corporate credit. A large number of litigation records reflect the target company's management capabilities and risk characteristics. Due to the public nature of information, bad records will affect the company's brand image and reduce brand trust. As my country's credit management system becomes more and more complete, Beijing Liben Good Credit helps companies delete documents posted on China Judgment Document Network, China Execution Information Disclosure Network, Qichacha, Qixinbao, Tianyancha, and Aiqi through credit repair. Check the risk information and eliminate enterprise risks.
