T/TSEDA 001-2021 Small and medium-sized enterprises public credit evaluation specification
T/TSEDA 001-2021 Small and medium-sized enterprises public credit evaluation specification
Basic Information
Scope
Main Technical Content: This standard mainly includes seven parts, the main content of which is as follows: 1. Scope Introduction This standard introduces the main content and the applicable fields of this standard. 2. Normative Reference Documents It lists the standard documents referenced by this standard. 3. Terms and Definitions The terms and definitions defined in GB/T 22116 and the following terms and definitions apply to this document. 4. General Requirements This section applies to the general requirements of the public credit evaluation norms for small and medium-sized enterprises, mainly including four aspects: general requirements, specific requirements, evaluation confidentiality, and due diligence, to regulate the behavior of credit service institutions and credit assessors. 5. Basic Principles This section applies to the basic principles of the public credit evaluation norms for small and medium-sized enterprises, mainly including seven aspects: general requirements, objectivity principle, independence principle, typicality principle, prudence principle, systematization principle, and forward-looking principle, to regulate the process of credit evaluation conducted by credit service institutions and credit assessors on the evaluated objects. 6. Evaluation Process This section explains the various stages of public credit evaluation for small and medium-sized enterprises, including entrusting evaluation, signing contracts, evaluation preparation, conducting credit investigations and evaluations, report writing, report provision, feedback and dispute handling, grade announcement, document archiving, information confidentiality, and database management. For the implementation of credit investigations and evaluations, the rating organization sets four grades and ten levels for credit ratings, namely AAA, AA, A, BBB, BB, B, CCC, CC, C, and D, to reflect the public credit level of small and medium-sized enterprises. Appendix A prov