在招投标、融资贷款等场景中，AAA企业信用等级证书就像企业的"信用身份证"，含金量十足。但市场上认证机构鱼龙混杂，不少企业踩过"交钱拿证"的 坑。今天就来理清靠谱机构有哪些，以及怎么选才不花冤枉钱。 现在线上办理越来越便捷，推荐大家通过小程序办理。操作很简单，在手机中搜索小程序，进入后选择"企业信用AAA认证"，选择适合自己的套餐，按提 示上传营业执照、近三年财务报表等材料，平台会匹配央行备案的正规机构对接。全程线上跟踪进度，证书出具后可直接在权威平台核验，还承诺假一赔 十，规避了线下找机构的风险。 最后提醒，别轻信"多买多优惠""零审核拿证"的噱头。AAA认证是对企业信用的专业评估，正规机构会根据评估复杂度透明定价，而非按证书数量加价。企 业信用是长期资产，选对正规机构办理，才能让这张"信用名片"真正发挥价值。 首先明确，正规AAA认证机构主要分三类。第一类是央行备案的权威评级机构，比如中诚信、联合信用、瑞泽等，它们在人民银行有备案，证书在银行和 政府项目中认可度最高，是招投标的"硬通货"。第二类是行业协会或商会，像中国中小企业协会信用管理中心、地方企业信用商会等，在特定行业内口碑 好，适合深耕细分领域的企 ...

（来源：法治日报） 转自：法治日报 □ 张昊 今年5月，民营经济促进法实施，释放支持民营经济发展壮大的时代强音。 坚持司法政策与宏 观政策取向一致，是完整准确全面贯彻新发展理念的应有之义。人民法院贯彻落实民营经济促进法和最 高法25条具体举措，立足审判职能，聚焦民营企业和企业家反映强烈的突出问题，推动党中央各项政策 落地、落实、落细，帮助企业排忧解难。 解决融资问题是激发民营经济创新发展的关键举措。人民法 院坚持金融服务实体经济宗旨，依法助力民营企业拓宽融资渠道，降低融资成本。通过审理金融借款纠 纷案件，推动金融机构持续优化普惠金融供给和服务，协同金融监管部门推动政策落实落地。 股东与 公司之间财产相互独立、责任相互分离、产权结构明晰是现代企业产权结构核心特征。人民法院严格落 实公司法关于公司法人地位、股东有限责任制度的规定，稳定民营企业和企业家的预期和信心。 企业 信用是其生存和发展不可或缺的"无形资产"。人民法院依法审慎适用执行强制措施，努力做到不中断企 业的经营管理体系，不中断企业的资金往来，不影响企业的正常生产经营，不扩大对企业声誉的负面影 响。 人民法院将司法政策供给和依法公正审理案件相结合，助企惠 ...

Core Viewpoint - Vanke is facing a severe financial crisis, with significant stock and bond price declines due to a looming debt repayment of 77.53 billion yuan, raising concerns about its liquidity and ability to meet obligations [1][3][4]. Group 1: Financial Situation - Vanke's stock price dropped over 7% to 5.37 yuan, marking a new low since 2015, while its H-shares fell over 5% to 3.55 HKD [1][3]. - The bond market experienced drastic declines, with "21 Vanke 02" down 41% and "21 Vanke 04" down 36%, leading to multiple bond suspensions [3][4]. - The company has a total of 218 billion yuan in bonds, with nearly 158 billion yuan maturing within a year, indicating a critical liquidity issue [6][11]. Group 2: Debt Obligations - Vanke has 57 billion yuan in debt due in December, including a 20 billion yuan bond that is seeking an extension, which is the first public request for such action [6][8]. - The company’s major shareholder, Shenzhen Metro Group, has exhausted most of its 309 billion yuan borrowing capacity, leaving a 20 billion yuan gap [4][6]. - Analysts suggest that Vanke must sell assets or consider debt-to-equity swaps to manage its financial obligations effectively [10][11]. Group 3: Market Reaction - Investors are selling off Vanke's stocks and bonds due to fears of the company's inability to repay its debts, leading to a significant market reaction [7][10]. - The overall sentiment in the real estate sector is negative, as Vanke's situation reflects broader industry challenges, including difficulties in financing and selling properties [9][10].

Core Viewpoint - Judging corporate credit is essential for avoiding risks in job seeking, partnerships, and investments, as companies with poor credit can lead to financial losses and other issues [1] Group 1: Official Identity Check - The first step in assessing corporate credit is to verify if the company is a legitimate business through the National Enterprise Credit Information Publicity System, which provides key information such as registration capital, establishment date, and legal representative changes [2] - Important indicators of poor credit include administrative penalties for tax evasion, false advertising, or product quality issues, as well as being listed in the operating abnormality or serious violation blacklist [2][3] Group 2: Financial Transactions - Corporate credit fundamentally reflects the ability to fulfill financial commitments, with a focus on debt situations and potential hidden bad debts [4] - The China Judgments Online can be used to check for any loan or sales contract disputes, while the China Execution Information Disclosure Network can identify if a company is a "dishonest executor" [4] Group 3: Third-Party Feedback - It is crucial to gather feedback from employees and partners rather than relying solely on the company's self-promotion, as negative employee reviews can indicate internal credit issues [5] - Industry reputation should also be considered, as negative press regarding safety or service can foreshadow future credit problems [5] Group 4: Long-Term Performance - Long-term stability is more important than short-term highlights; companies that have been established for over five years without major credit crises are generally more reliable [6][7] - Monitoring business stability and tax records can provide insights into a company's creditworthiness, with tax credit ratings being a significant indicator [7] Group 5: Common Pitfalls - Avoid relying on verbal promises; all commitments should be documented in contracts to prevent disputes later [8] - Be cautious of companies promising high returns with low risks, as these are often indicative of scams [8] - Pay attention to small details, such as the authenticity of the company's website and responsiveness of customer service, as these can reveal underlying credit issues [8]

Core Viewpoint - The article highlights the illegal issuance of prepaid cards by companies listed as untrustworthy, emphasizing the need for regulatory enforcement to protect consumer rights and ensure business integrity [1][2][3][4]. Group 1: Regulatory Actions - Beijing's market regulatory authority has penalized companies for issuing prepaid cards while being listed as untrustworthy, with fines totaling over 240,000 yuan in the first half of the year [1][2]. - The enforcement actions are based on the "Beijing Regulations on the Management of Single-Purpose Prepaid Cards," which prohibits untrustworthy entities from issuing prepaid cards [1][4]. Group 2: Case Studies - A Chinese restaurant chain was found to have issued 100 prepaid cards and collected nearly 20,000 yuan from consumers while being listed as untrustworthy, leading to immediate cessation of card issuance and a fine for multiple violations [2]. - A high-end restaurant, despite being recognized with Michelin and Black Pearl awards, was found to have issued prepaid cards worth 290,000 yuan during its untrustworthy status, alongside false claims about its ingredient sourcing [3]. Group 3: Consumer Protection - The issuance of prepaid cards relies heavily on the creditworthiness of the issuer, and consumers' rights are at risk if the issuer is untrustworthy [4][5]. - Consumers are advised to verify the credit status of businesses and ensure formal contracts are signed when purchasing prepaid cards to safeguard their interests [5].

Group 1 - The core viewpoint emphasizes that maintaining good credit is essential for better financing opportunities in the capital market [2][5] - Strong credit acts as an invisible asset for companies, serving as a foundation for long-term relationships with financial institutions and investors [2][5] - Strong Group's experience illustrates that prioritizing credit system construction from the beginning leads to favorable credit ratings and lower financing costs [2][4] Group 2 - Companies facing financing difficulties often do so due to credit issues, as demonstrated by a technology startup that suffered from trust violations [4] - The case of the startup highlights that a lack of credit can lead to severe consequences, including bankruptcy, regardless of a seemingly promising outlook [4] - To build and maintain good credit, companies should establish comprehensive credit management systems and focus on timely debt repayment and transparent financial practices [4][5] Group 3 - In a competitive business environment, financing capability is crucial for the speed and height of company development, with credit being the core support for financing [5] - The value of credit is expected to become increasingly prominent as the capital market continues to evolve [5] - Emphasizing credit construction is not only beneficial for immediate financing but also lays a solid foundation for long-term growth [5]

Group 1: Electronic Cigarette Regulation - The National Tobacco Monopoly Administration has intensified regulation of electronic cigarettes, with 7,615 administrative cases and 2,470 criminal cases related to illegal e-cigarette sales reported since the beginning of 2024, resulting in the seizure of 23.28 million illegal e-cigarette products and criminal accountability for 2,263 individuals [2] - The current regulatory environment for electronic cigarettes is complex and challenging, with a rise in the phenomenon of domestic e-cigarette product exports returning to the market and ongoing issues with illegal e-cigarettes [2] Group 2: Industrial Profit and Credit Levels - From January to April, China's industrial enterprises above designated size achieved a total profit of 21,170.2 billion yuan, a year-on-year increase of 1.4%. State-owned enterprises saw a profit of 7,022.8 billion yuan, down 4.4%, while private enterprises reported a profit of 5,706.8 billion yuan, up 4.3% [1] - The first quarter of 2024 saw China's enterprise credit index at 160.81, indicating a positive trend in credit levels, with the top five provinces being Anhui, Zhejiang, Jiangsu, Beijing, and Shaanxi [3] Group 3: Financial Instruments and Market Developments - The Ministry of Finance plans to issue a special government bond for central financial institution capital injection on June 4, with a total face value of 105 billion yuan and a fixed interest rate of 1.57% [2] - The Shanghai Futures Exchange will conduct two market-wide production system drills for aluminum alloy futures and options on June 1 and June 7, 2025 [6] Group 4: Market Indices and Economic Data - The Shanghai Composite Index closed at 3,340.69, down 0.18%, while the Shenzhen Component Index and the ChiNext Index fell by 0.61% and 0.68%, respectively [9] - The Eurozone's consumer confidence index for May remained unchanged at -15.2, while the service sector sentiment index was revised to 1.6 from 1.4 [7]

Group 1 - The 3A certification serves as a "credit report" for companies, reflecting their integrity and performance capabilities, which enhances trust in various business dealings [1][3] - 90% of government procurement projects include 3A certification as a scoring criterion, with potential score increases of up to 5 points [3] - Banks typically increase credit limits for 3A certified companies by an average of 20%, and some offer specific "3A enterprise credit loans" [3] Group 2 - Companies can self-check their eligibility for 3A certification by ensuring their business license is at least two years old and that there are no major legal violations in the past three years [3][4] - Required materials for application include a copy of the business license, company seal, financial statements for the past three years, and tax certificates, with additional documents like awards potentially serving as bonus points [4][8] - The application process can be completed online, with costs ranging from 5,000 to 15,000 yuan depending on the company's size, and the standard processing time is 15 to 30 working days [8]

Core Viewpoints - The core viewpoint indicates that with the strengthening of internal policies and the alleviation of external shocks, the expectations of micro entities may stabilize in the future [3][8][46] - The sudden increase in M2 year-on-year growth in April is primarily due to the rapid replenishment of non-bank deposits, which may be related to effective macro policies responding to tariff shocks, leading to accelerated capital market replenishment [3][46] - The April deposit data shows that non-bank deposits increased by 1.6 trillion, a year-on-year increase of 1.9 trillion, which is the main source of M2's year-on-year recovery [3][46] Financial Data Summary - In April, the credit balance decreased by 0.2 percentage points year-on-year to 7.2%, while the social financing stock increased by 0.3 percentage points to 8.7%, and M2 increased by 1.0 percentage points to 8.0% [2][7][45] - The structure of social financing in April showed characteristics of "government bonds leading, corporate bonds improving," with government bonds increasing by 10.666 billion year-on-year, marking the third consecutive month of over 10 billion increase [20][32][49] - The April social financing increased by 11.591 billion, a year-on-year increase of 12.249 billion, with corporate bond financing recovering [32][49] Credit Performance - In April, corporate credit exhibited a pattern of "loan decline and bond financing recovery," with short-term loans declining possibly due to previous "rush" and medium to long-term loans showing less increase due to debt resolution progress and tariff shock impacting corporate expectations [12][20][46] - The April resident credit performance was described as "tepid," with employment market pressures and tariff disturbances leading to a cautious debt attitude among residents [15][47] - The BCI enterprise recruitment index remained below 50 for two consecutive months (March-April), reflecting the pressure on the employment market [15][47] Future Outlook - The combination of policy measures and the alleviation of external shocks is expected to resonate, potentially stabilizing micro entity expectations [25][48] - On May 7, the central bank announced ten specific measures including a 50 basis point reserve requirement ratio cut and a 10 basis point interest rate cut, reinforcing support for the capital market, real estate market, and private economy [25][48] - The phase-wise easing of China-US trade tensions is anticipated to further improve micro entity expectations and stabilize the release of corporate credit demand [25][48]

Group 1: Financial Data Overview - In April 2025, M2 increased by 1.0 percentage points year-on-year to 8.0%[1] - The total credit balance decreased by 0.2 percentage points year-on-year to 7.2%[9] - Social financing stock rose by 0.3 percentage points year-on-year to 8.7%[9] Group 2: Key Drivers of M2 Growth - The surge in M2 was primarily driven by a rapid replenishment of non-bank deposits, which increased by 1.6 trillion RMB, a year-on-year increase of 1.9 trillion RMB[10] - Non-bank deposits had previously decreased by 1.3 trillion RMB in March, indicating a significant recovery in April[10] - The influx of funds into the capital market was influenced by effective macro policies responding to tariff shocks[10] Group 3: Credit and Financing Trends - In April, corporate credit showed a pattern of "loan decline and bond financing recovery," with short-term loans decreasing due to prior "rush" in March[11] - Long-term loans saw a year-on-year decrease of 250 billion RMB, influenced by tariff shocks and ongoing debt resolution processes[11] - Total new credit in April was 280 billion RMB, a year-on-year decrease of 450 billion RMB, primarily due to corporate sector declines[23] Group 4: Government and Corporate Bonds - Government bonds increased by 972.9 billion RMB in April, a year-on-year increase of 10,666 billion RMB, marking the third consecutive month of over 1 trillion RMB increase[17] - Corporate bonds improved with an increase of 234 billion RMB in April, a year-on-year increase of 633 billion RMB, countering weak credit performance[17] Group 5: Consumer Credit and Market Sentiment - Consumer credit remained subdued, with pressures from the job market and tariff-induced expectations leading to a cautious debt attitude among households[15] - The BCI (Business Confidence Index) for hiring remained below 50 for two consecutive months, reflecting employment market pressures[15]