ICE8000 Credit Investigation, Analysis, Rating chapter Three Exercises - World Credit Organization

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ICE8000 credit knowledge column
  • 1. "Introduction to ICE8000 Credit Knowledge"
  • 2. "Building an Integrity Unit——ICE8000 Integrity Management"
  • 3. "ICE8000 Credit Investigation, Analysis, Rating"

    • Exercise questions

    1. Best multiple choice question (choose the most suitable answer)

    1. The most correct statement about the French Xiangji*er*** Co., Ltd. is:

    A. The company is registered in France;

    B. The company is a national enterprise in France;

    C. The company is not necessarily registered in France;

    D. The company is a French company.

    C

    2. Multiple choice questions (at least two answers are correct)

    1. Among the following statements about liabilities, the correct ones are:

    1. The owner of a sole proprietorship bears unlimited liability to the outside world. Except for some personal property necessary for life, all of his property can be used to repay the debts owed by the enterprise;
    2. Partners in a general partnership enterprise bear unlimited joint and several liability to the outside world. Except for some personal property necessary for life, all their property can be used to repay the debts owed by the enterprise;
    3. Limited liability companies are responsible for all the assets of the company, and shareholders do not need to bear responsibility for the company's debts;
    4. Limited liability companies have the status of legal persons. After the shareholders have made full capital contributions, they still have to bear external liabilities with their personal property.

    ABC

    2. In the credit analysis of the enterprise, the competitive strategy of the enterprise can be divided into:

    1. Leading total cost advantage;
    2. Product differentiation;
    3. Company popularity;
    4. Product and service focus and segmentation.

    ABD

    3. Differences and connections between the company registration systems of China and most foreign countries:

    1. The registered capital of foreign companies does not need to be verified, and the registration certificate does not reflect the registered capital items, but if you not only assume the debt according to the registered capital afterwards, you will bear the legal responsibility for false capital contribution;
    2. Foreign companies generally have no business scope restrictions;
    3. Limited companies have legal personality;
    4. The registered capital of foreign companies has also passed capital verification.

    ABC

    4. In the enterprise credit analysis, the following items are unfavorable credit evaluation factors:

    A. The name of the company is consistent with that of a well-known brand, and it claims to have an investment relationship with a well-known brand, but after investigation, the company has no relationship with the well-known brand;

    B. After investigation, the investors of the enterprise had a lot of untrustworthy behaviors in the past;

    C. The main leaders of the enterprise had many untrustworthy behaviors before;

    D. There have been many accidents in the history of the enterprise, but no real rectification measures have been seen.

    ABCD

    5. In the enterprise credit analysis, the following items are favorable credit evaluation factors:

    A. The parent company of the enterprise is a big company that values brand;

    B. The enterprise management system is perfect and has passed ICE8000 credit certification;

    C. A company in the United States introduces you to its high registered capital, and hints to you: their registered capital is high, so they are very powerful;

    D. The leader of the enterprise is a person with a good reputation in the local area, who is honest and responsible.

    ABD

    6. For the analysis of the negative credit record and news events of the enterprise, the following table is correct:

    A. It is necessary to analyze the occurrence of the incident by the enterprise, whether there is subjective intention or negligence;

    B. It is necessary to analyze whether the enterprise's response and remedy to the incident is active and honest;

    C. It is necessary to analyze whether the company has taken preventive measures against the recurrence of the incident;

    D. If accidents occur frequently, it may indicate that the corporate system and corporate culture have not yet been established or stabilized or are not suitable for the development needs of the company.

    ABCD

    7. The following statements about data authenticity analysis are correct:

    A. Due to the premise that the statement assumes the authenticity of the information, there is no need to analyze the authenticity of the information;

    B. Analysts pay maximum attention to the authenticity of the data throughout the process;

    C. Analysts should strive to find problems that should be able to be found;

    D. Supplementary investigation and verification should be conducted for the doubtful matters found. If the superior or the customer disagrees with the supplementary investigation, or it is difficult to investigate and verify objectively, it should be clearly stated in the analysis conclusion or analysis report.

    BCD

    8. Analysis of the external living environment of the enterprise, generally pay attention to the following elements:

    A. Main business market demand;

    B. Law and Policy;

    C. Position in the same industry and main competitors;

    D. The development of the international industry.

    ABCD

    9. The analysis of the internal strength of the enterprise generally pays attention to the following elements:

    A. Funds;

    B. Talent;

    C. System;

    D. Culture.

    ABCD

    3. Short answer questions

    1. In your own words, briefly describe the concept of over-management and the four signs of over-management that require vigilance?

    2. In your own words, briefly describe the key points of the corporate governance, corporate system and culture analysis?

    Fourth, writing questions

    1. Based on the knowledge in this chapter and combined with your own thinking, make a bankruptcy symptom questionnaire that you think is correct?

    2. In Sina Finance, choose a stock, and then find and download its financial report on the webpage (for example: open https://finance.sina.com.cn/realstock/company/sh601618/nc.shtml, In the technical indicators under the trend chart in the middle of the webpage, you can download the financial statements of the listed company China Metallurgical Corporation in recent years).

    According to the "ICE8000 Credit Rating Standard" and the content learned in the previous chapter and this chapter, write a credit rating work plan, then implement the plan, and write a credit rating report.

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