信(xin)用(yong)(yong)(yong)等(deng)級是信(xin)用(yong)(yong)(yong) (資信(xin))評(ping)估(gu)(gu)機構根據企(qi)(qi)(qi)(qi)(qi)業資信(xin)評(ping)估(gu)(gu)結果對企(qi)(qi)(qi)(qi)(qi)業信(xin)用(yong)(yong)(yong)度劃(hua)分的等(deng)級類(lei)(lei)別(bie),它反(fan)映了企(qi)(qi)(qi)(qi)(qi)業信(xin)用(yong)(yong)(yong)度的高低(di)。西(xi)方(fang)國(guo)(guo)家劃(hua)定企(qi)(qi)(qi)(qi)(qi)業信(xin)用(yong)(yong)(yong)等(deng)級,有的采用(yong)(yong)(yong)AAA、AA、A三類(lei)(lei)等(deng)級,也有的采用(yong)(yong)(yong)三類(lei)(lei)九級,即3A、3B、3C,通過劃(hua)定企(qi)(qi)(qi)(qi)(qi)業類(lei)(lei)別(bie)來指導投資者的行為。中國(guo)(guo)企(qi)(qi)(qi)(qi)(qi)業的信(xin)用(yong)(yong)(yong)評(ping)估(gu)(gu)和劃(hua)定等(deng)級的工(gong)作開(kai)始于20世(shi)紀80年代,一般只把企(qi)(qi)(qi)(qi)(qi)業劃(hua)分為三類(lei)(lei)等(deng)級,有的地方(fang)采用(yong)(yong)(yong)國(guo)(guo)外(wai)的表示方(fang)式,即AAA、AA、A三類(lei)(lei)等(deng)級,有的則用(yong)(yong)(yong)中國(guo)(guo)的表示方(fang)式,稱(cheng)為一、二、三級企(qi)(qi)(qi)(qi)(qi)業。不同(tong)的信(xin)用(yong)(yong)(yong)等(deng)級,對企(qi)(qi)(qi)(qi)(qi)業在市場上籌資,獲(huo)得銀行貸款,其難易程度和條件會有極大(da)差別(bie)。
• 企業獲得扶持以及招商(shang)、投資(zi)(zi)、融(rong)資(zi)(zi)擔保、銀行貨(huo)款一個(ge)可(ke)靠(kao)的(de) “通(tong)行證”
• 衡量企業履約能力、投標信(xin)譽(yu)、綜合實力與競爭力一(yi)個(ge)不可或缺的“榮譽(yu)證”
• 企業洞察社會經濟發展必然趨勢、提(ti)升(sheng)現代(dai)管理和走向(xiang)國際化的"導向(xiang)證”
• 企業(ye)改善(shan)經營管(guan)理、加強(qiang)信用(yong)管(guan)理制度、提高企業(ye)風(feng)險控制的“優(you)化證”
• 企業在經營活動中(zhong)增加合作(zuo)、賒銷(xiao)、簽約(yue)風(feng)險防范(fan)的一(yi)個"風(feng)險證”