Handling process: Enterprises, institutions, legal persons and other economic organizations with normal bank accounts and no bad credit records can apply to the bank, fill in the application form for credit voucher business and submit relevant documents.

Introduction to the function of credit certificate:

Banks accept customers' applications, collect and sort out customers' capital flow records and related information within the scope of bank records, and issue credit certificates to prove customers' credit status. The credit certification business handled by our bank is divided into comprehensive credit certification, documents and multiple certificates.

Comprehensive credit certificate refers to the certificate that the bank gives a comprehensive description of the customer's records in the bank and evaluates the customer's credit status.

Documentary multi-certification refers to the documents that the bank certifies the personal data and transactions recorded by customers, and generally does not include the bank's evaluation of customers. Single and multiple certificates mainly include deposit balance certificate, credit line certificate, pledge certificate and account opening certificate.

Extended data:

Customs clearance records are credit certificates, and the first customs credit evaluation system in China was launched in Xiamen.

Since 20 18,65438+10,18, the first domestic customs clearance data application platform "Guan Shu e" (enterprise credit evaluation system) has been officially launched in Xiamen Customs recently. It is reported that this is a gorgeous turn of customs clearance records and has become information for enterprises to apply for loans and other purposes. This will help to further tap the value of customs clearance data and bring tangible benefits to the development of small and medium-sized enterprises.

It is understood that while focusing on serving the real economy and the development of small and medium-sized enterprises, Xiamen Customs has developed the first customs clearance data application platform in China in cooperation with third-party financial technical service institutions and banks on the basis of in-depth investigation of the financing difficulties and pain points of small and medium-sized enterprises.

Through the big data calculation and analysis of the historical customs clearance data of enterprises, the platform realizes the "accurate portrait" of enterprise credit, and provides accurate and intuitive index reference for financial institutions such as banks to carry out enterprise credit evaluation. Enterprises can obtain the bank credit line of customs clearance credit score without other asset certificates, mortgages, guarantees and deposits.

The launch of the platform is an innovation of big data application in enterprise import and export trade and financial services, which can effectively solve the problem that financial institutions are "afraid to lend" and "unwilling to lend" because of the difficulty in credit evaluation of SMEs.

Baidu Encyclopedia-Credit Certificate

People's Network-Credit Certificate, Xiamen, the first customs credit evaluation system in China.