T/MSITISA 02-019-2022 Active Group standards

T/MSITISA 02-019-2022 Quality Service for SME Credit Evaluation Guideline for Comprehensive Service

Publish Date: 2022-07-12 Implement Date: 2022-08-01 For services related to genuine standard inquiry, procurement, translation, and other related services in China, please Contact Us

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Basic Information

Standard Code: T/MSITISA 02-019-2022

Standard Type: Group standards

Standard Status: Active

is_force_gb: no

CCS Name: -

ICS Name: Comprehensive Application of Information Technology

Publish Date: 2022-07-12

Implement Date: 2022-08-01

Scope

Main technical content: Small and medium-sized enterprises (SMEs) are an indispensable force in China's national economy and social development, playing a crucial role in increasing employment opportunities, improving residents' income, and maintaining social harmony and stability. However, SMEs face challenges such as small scale, limited collateral assets, irregular management, and incomplete financial systems, which urgently require the establishment of a universal credit evaluation standard for SMEs. This document, based on the basic common indicators for enterprise credit evaluation proposed in GB/T 23794-2015 "Enterprise Credit Evaluation Indicators", takes into account the characteristics of SMEs such as low innovation capacity, small enterprise scale, weak standard construction, and weak quality awareness. It proposes evaluation indicators from three dimensions: contractual willingness, contractual ability, and contractual behavior, including innovation capacity, sustainable development capacity, qualifications and capital strength, participation in standard revision within the industry, and quality management. It also sorts out the content of public credit according to the "National Public Credit Information Basic Directory (2021 Edition)" and discards some more subjective evaluation indicators. It provides the data sources for the evaluation indicators and includes social evaluation in the consideration of credit evaluation indicators. In addition, this document also gives relevant requirements for writing credit evaluation reports.