Analysis of Enterprise Managers - World Credit Organization

3.2 Analysis of enterprise managers

Personnel who have an important impact on corporate credit include high-level personnel and middle-level personnel. The high-level personnel of an enterprise generally include the actual controller of the enterprise, the chairman of the board, directors, supervisors, chairman of the board of supervisors, general manager, deputy general manager, financial director, credit director and other deputy general-level members. Middle-level personnel in an enterprise generally include heads or deputy heads of various departments.

Age, knowledge status, experience, personal integrity, willingness, value orientation, morality, education level, Religious beliefs, etc. will affect or determine the integrity of the enterprise.

Although middle-level personnel in the enterprise do not have decision-making power in the enterprise, they have important influence in the execution of affairs, so their degree of specialization has a strong impact on the ability of the enterprise to perform contracts. In addition, the middle-level personnel of the enterprise are the reserve talent pool of the high-level personnel, so the age, knowledge status, experience, personal integrity, willingness, value orientation, morality, education level, religious belief, etc. of the middle-level personnel have a major impact on the future development of the enterprise. Influence.

If the management personnel of the enterprise have passed the ICE8000 integrity certification, it can be directly determined that the quality of the enterprise's integrity will be very good. If the main person in charge or most of the senior personnel of the enterprise have passed the ICE8000 integrity certification, it can also be determined that the enterprise has a good quality of integrity and willingness.

When analyzing corporate managers, reference situations include but are not limited to:

1. If the main person in charge likes to read and study, most of the managers of the enterprise will like to read and study, and the enterprise will have great potential for development. A learning team has strong self-improvement. Whether it is a learning team generally depends on whether the main person in charge likes to read and study. If the main person in charge of a unit doesn't like reading and studying, the unit's propaganda about building a learning team may be just a slogan.

Second, when the actual principals and investors are young people, they are generally unable to accumulate more funds, and their capital is usually borrowed. Therefore, the risk of funds is greater. Young people are often overly optimistic, and tend to let the rapidly growing business volume go unchecked, making the business volume exceed the scope that the company can bear. Due to lack of experience, young people's judgment is immature in many cases, and sometimes this immature judgment will lead them into dangerous situations.

On the other hand, young people are generally ambitious, energetic, and enterprising, and are more receptive to new business than middle-aged and older people. However, hidden behind the new business may be opportunities or risks.

Third, companies formed by older people are usually extremely conservative. If business volumes decline, these companies often lack the necessary capacity to cover losses.

4. The person in charge is the second or third generation in the family business. Even if the first generation of the business is very successful, the second and third generations often cannot give a simple conclusion. Therefore, objectively speaking, it is true that "starting a business is easy, but maintaining a business is difficult." In modern society, if a company is still in the hands of the third generation of the family and can still operate successfully, it is really not easy.

5. If a person fails many times for the same reason, it means that this person may not be good at summarizing and surpassing himself.

6. A person's values and moral bottom line can be judged from his credit record. For a person with a record of malicious dishonesty or support for evil, his honesty and willingness are worth noting.

7. It is also worth noting that the main person in charge has wealthy relatives or that he is very wealthy.

8. If the successful experience of the current person in charge is limited to when he was an employee, then attention should be paid to whether the enterprise can maintain continuous success.

9. Under normal circumstances, if the main person in charge and high-level personnel have been educated for a long time or have religious beliefs, and have a good credit record, it can be considered that the unit has a good quality of honesty and willingness.

The above content is excerpted from "ICE8000 Credit Investigation, Analysis, and Rating" (written by Fang Bangjian, free to use, but please indicate the source)