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征信行业之产品介绍

案例介绍
语言方向:中译英
行业分类:信用调查

企业品质:
目标公司2013年的净资产收益率、资产回报率均高于行业水平,毛利率低于行业水平,企业的盈利能力较强。

还款能力:
目标公司2013年资产负债率低于行业水平,其长期偿债能力强,流动比率与速动比率高于行业水平,其短期偿债能力强。

担保:
目标公司2014年固定资产比率为20.68%,企业的对外抵押能力一般。

企业规模:
依据国家统计局发布的企业规模划分细则,调研员判定目标公司规模为大型企业。

行业背景:
目标公司所处行业状况较好,发展前景较为广阔。

综合评价:
综合目标公司的经营历史、规模、业务趋势、股东背景、盈利能力以及偿债能力,调研员对目标公司作出了B+级信用评级,代表目标公司综合实力优于平均水平。

Business Quality:
In 2013, Subject's return on net assets and return on total assets exceeded the industry averages, while gross profit margin was lower than the industry average, suggesting its strong profitability.

Solvency:
Subject's liabilities/assets ratio was lower than the industry average in 2013, reflecting its strong long-term solvency. Current ratio and quick ratio were higher than the industry averages, indicating its strong short-term solvency.

Guarantee:
Subject's fixed assets ratio read 20.68% in 2014, proving its average external mortgage ability.

Business Scale:
According to detailed rules and regulations of business scale classification released by National Bureau of Statistics of the PRC, Subject is defined as a large-scaled enterprise.

Industry Background:
The industry, where Subject is engaged, enjoys favorable situation, embracing a promising development prospect.

Comprehensive Evaluation:
In view of its operation history, scale, business trend, shareholders' background, profitability and solvency, a credit rating of B+ is proposed to Subject, indicating its comprehensive strength is superior to the industry average.