CN113780692A

CN113780692A - Method for grading credit of software information enterprise main body

Info

Publication number: CN113780692A
Application number: CN202010518876.0A
Authority: CN
Inventors: 朱健瑞
Original assignee: Individual
Current assignee: Individual
Priority date: 2020-06-09
Filing date: 2020-06-09
Publication date: 2021-12-10

Abstract

The invention relates to a method for grading credit of a software information enterprise main body, which comprises the steps of establishing an index system for evaluating credit elements, establishing a scoring method and a basis of the index elements; standardizing the basis for collecting credit element data, confirming the grade of each index according to the evaluation standard and the evaluation data of each evaluation element, summarizing and integrating the scores, determining the credit grade, and making a credit report. The method for grading the credit of the software information enterprise main body adopts a plurality of evaluation elements to comprehensively evaluate the software information enterprise main body, converts descriptive languages of non-financial indexes into scores, and finally forms a set of complete and scientific software information enterprise main body credit evaluation model.

Description

Method for grading credit of software information enterprise main body

Technical Field

The invention relates to a credit evaluation method for economic main bodies, in particular to a credit rating method for main bodies of software information enterprises.

Background

As early as over 100 years ago, legislation has been enacted in the united states to enforce credit ratings in economic activities. The international passing credit rating organizations have respective credit rating models and respective technical copyright attributes, such as the Mudi, the Bingpu and the Huiyu in the United states have respective evaluation models and enjoy respective technical copyright protection.

The applicant of the present invention is a credit rating organization filed in the people's bank (statement: notification of Shenyang branch office of China about granting to four rating organizations such as Liaoning Ruizze credit rating Co., Ltd.) (Renshen ' 2015) 30), and an evaluation model-rating method of various main objects of the people's bank itself must be filed in accordance with supervision requirements. The present inventors have been a legal representative and a general manager of the ruier credit rating limited company.

The sequence patents which have been invented by the inventor and passed through the initial examination are: a method for rating credit of a company selling (distributing) electric power (patent No. 201910288447.6), a method for rating credit of a main body in the field of bidding and tendering (patent No. 201911362704.2), and a method for classifying credit ratings of market main bodies by industry (patent No. 201911393631.3).

Disclosure of Invention

The invention mainly aims to establish a software information enterprise main body credit evaluation method model suitable for software information industry characteristics, and the technical problem to be solved is that the credit condition of a software information enterprise can be evaluated scientifically, justly and objectively, so that the method is more practical.

The purpose of the invention and the technical problem to be solved are realized by adopting the following technical scheme. The method for grading the credit of the software information enterprise main body comprises the following steps:

making a software information enterprise main body credit evaluation element index system model meeting the characteristics of a software information field;

secondly, establishing a calculation method and a scoring and assessing basis of each index element;

third, the evaluation data of all evaluation elements of the main body of the software information enterprise is obtained according to the regulation (work manuscript);

fourthly, establishing a rating result, an explanation and a credit report standard format;

the evaluation operation platform: an internet intelligent rating system or off-line common office software is used for implementing the evaluation operation.

The invention relates to an enterprise main body credit evaluation element index system model (each element scoring table) which is in accordance with the characteristics of the software information industry, comprising:

the index system model for establishing the credit evaluation element of the software information enterprise main body comprises the following steps: the total score of the evaluation index system is 100, and the evaluation index system consists of four parts, wherein: the basic case part: the number of the second-level indexes is 4, the second-level indexes are subdivided into 20 third-level indexes, and the total number is 35; software information technology service part: 6 secondary indexes are obtained, 11 subdivided tertiary indexes are obtained, and the total number is 35; the financial status section: the secondary indexes are 4, and are subdivided into 8 tertiary indexes, and the total number is 20; and the part of the operational factors is as follows: the indexes are subdivided into 3 indexes, and the total index is 10. The method comprises the following steps: the number of the first-level indexes is 4, the number of the second-level indexes is 14, and the number of the third-level indexes is 42.

1. Basic case section (35 points): 1.1 personal diathesis (score 5): high-quality staff (score 3), practitioner quality (score 2); 1.2 management (7 points): a corporate management structure (score 1), business system management (score 2), personnel management (score 1), financial management (score 1), credit management (score 1) and quality management (score 1); 1.3 competitive position (score 3): the industry status (1 point), the social public welfare (1 point), the main market area (1 point); 1.4 administrative supervision information (20 points): credit China and local credit system lose credit records (15 points), other lose credit records (3 points), and other departments credit honor (2 points);

2. software information platform credit management (35 points): 2.1 software information consultation qualifications (score 4): the software enterprise certifies the certificate (score 2), and the high and new technology enterprise certifies the certificate (score 2); 2.2 software and information consulting technology operational capacity (12 points): the system has intellectual property products (10 minutes), a major business has a major intellectual property (2 minutes), enterprise software product development and sales (business) income accounts for 5 minutes, embedded software product and information system integrated product development and sales (business) income accounts for 2 minutes, software product major development and sales (business) income accounts for 5 minutes, embedded software product and information system integrated product development and sales (business) income accounts for 2 minutes, and research and development expense accounts for 2 minutes; the ratio of the domestic research and development expenses (2 points): development environments (1 minute) such as software and hardware facilities;

3. financial status (20 points): debt repayment capacity (6 points), wherein: the rate of assets liability% (3 points), the rate of quick action% (3 points); operational capacity (5 points), wherein: total asset turnover% (3 points), liquidity turnover% (2 points); profitability (5 points), wherein: net asset profitability% (2 points), revenue profit rate% (3 points); developmental competence status (score 4), where: revenue growth rate% (2 points), average capital growth rate (2 points);

4. business factors (10 points): macro economic policy (5), industry and stockholder background (score 2), growth and defense risk (score 3);

the software information enterprise body credit evaluation element index system model is shown in table 1.

TABLE 1 software information Enterprise entity Credit evaluation element index System model

The calculation method and the scoring assessment basis of each index element formulated by the invention comprise the following steps:

1. basic case of the model: the evaluation criteria of the high-rise management personnel elements are as follows: more than 60% of the management teams have the above-subject calendar or the above-middle-level job title, are used for 10 years, have no bad records for 3 points, and reduce 1 point from 1 item in the rest; the evaluation criteria of the practitioner are as follows: the ratio of the subject's past academic calendar or job title above middle level is more than 60% (including) in 5 years, 2 points, no 1 item is reduced by 1 point; the evaluation standard of the corporate management is as follows: stockholders, board (executive board), prison, manager setup ready, hold meeting 1 point as specified; and scoring the service management system: the coverage rate of each management system is more than 90 percent and 2 minutes, the coverage rate is more than 60 percent and 1 minute, and the rest is 0 minute; the personnel management evaluation standard is as follows: signing labor contract according to law, not defaulting wages, paying 5 social insurance and 1 point of public accumulation money on time; the scoring standard of the financial management is as follows: the financial system is sound, the accounting is accurate, the management system of the franchised shop is established for 2 points, otherwise, 1 point is established; the credit management evaluation standard is as follows: equipping a credit manager; a credit management system is provided, and 1 point is strictly executed, and the rest points are 0 point; the quality certification condition score is as follows: each time the authentication is obtained, 1 point is given; the industry status scoring standard is as follows: ranking the first ten places in the country by 1 point in the same industry, and ranking the first ten places in the province by 0.5 point; the social public welfare scoring standard is as follows: the social public welfare and charitable cause donation are provided, and the investment is obviously 1 point; the major market area score: 1, developing national services; the credit loss record rating standard of the credit China and local credit system is as follows: subtracting 5 points from each loss message record until subtracting 15 points; the other credit loss record scoring standard is as follows: subtracting 1 point from each lost message record except the China and local credit system; the tax grade scoring standard is as follows: A. grade B enterprise 0.5 points, other 0 points; the evaluation standard of the customs credit rating is as follows: 0.5 point of enterprises above A level and 0 point of others; the market supervision agency honor evaluation standard is as follows: the re-contract credit proof is 0.5 point; the other credit honor scoring standards: national grade honor is 0.5 point;

2. software information technology services of the model: the software enterprise identifies the evaluation standard of the certificate: the certificate of the software enterprise or the certificate of the information consultation qualification is divided into 2 points; the high and new technology enterprises shown identify the certificate evaluation standard: the high and new technology enterprise certified by the industry and telecommunications tax department is 2 points; the evaluation standard of the product with intellectual property rights is as follows: the product with intellectual property is proved to be full of 0.5 point of each product; the main business has an independent intellectual property evaluation standard: the main business has an independent intellectual property certificate, the main business has an independent intellectual property certificate of 2 points, and no 0 point is left; the enterprise software product develops and sells (business) income proportion rating standard: the software product development sales (business) income/enterprise income total amount of the software enterprise is multiplied by 100 percent, is more than or equal to 50 percent and is divided into 5 points, and the rest X/50 is divided into 5 points; the embedded software product and information system integrated product development and sales (business) income is compared and evaluated: the embedded software product and information system integrated product development sales (business) income/enterprise income multiplied by 100 percent is more than or equal to 40 percent, 2 points, and the rest multiplied by 40 is 2 points; the software product is evaluated by the ratio of independent development and sales (business) income: the self-development sale (business) income/total income of the enterprise of the software product is multiplied by 100 percent and is more than or equal to 40 percent, 5 points, and the rest X/40 is multiplied by 5 points; the proportion evaluation of the embedded software product and the information system integrated product development and sales (business) income to the total income of the enterprise is as follows: the embedded software product and information system integrated product development sales (business) income/total income of enterprises is multiplied by 100 percent, is more than or equal to 30 percent, is divided into 2 points, and the rest is multiplied by 2 points by 30; the research and development cost is evaluated in proportion: the total research and development cost/total business sales (business) income of the enterprise of the last year is multiplied by 100 percent, is more than or equal to 6 percent, is divided into 2 points, and the rest is multiplied by 2 points by X/6; the domestic research and development cost is evaluated in proportion: the amount of research and development expense/research and development expense of an enterprise in China is multiplied by 100 percent and is more than or equal to 60 percent, 2 points, and the rest X/60 is multiplied by 2 points; and evaluating the development environments of software and hardware facilities and the like: certification of 1 point such as EDA tools, legal development tools, etc.;

3. financial condition of the model: the evaluation standard of the asset liability rate is (total liability/total asset) multiplied by 100%, less than or equal to 60%, and the balance is full; more than or equal to 80 percent and 0 minute; and (3) the rest: 2 min; the evaluation criterion of the snap ratio (snap asset/mobile liability) × 100%, ≧ 100%, 3 cents; less than or equal to 70 percent and 0 minute; and (3) the rest: 2 min; the evaluation standard of the total asset turnover rate is equal to the main business income/average asset total amount, and is equal to or more than 2 times and 3 minutes; less than or equal to 0, 0 min; the rest 2 points; the evaluation standard of the turnover rate of the flowing assets is equal to the total amount of the main business income/average flowing assets, and is more than or equal to 3 times and 2 minutes; less than or equal to 0, 0 min; the rest is 1 point; the net asset profitability evaluation standard is (net profit/average net asset) x 100%, is more than or equal to 10%, and is 2 min; less than or equal to 0, 0 min; and (3) the rest: 1 minute; the operating income profit rate evaluation standard (total profit/net business income) x 100% is more than or equal to 7% and 2 minutes; less than or equal to 0, 0 min; the rest is 1 point; the business income growth rate is (total annual income/total annual income three years ago) 1/3-1 x 100%, more than 6%, full mark; less than or equal to 0, 0 min; and (3) the rest: 1 minute; the average capital growth rate ═ 1/3-1] × 100%, > 5%, full score, [ (end-of-year ownership equity/end-of-year-ownership equity) three years ago; less than or equal to 0, 0 min; and (3) the rest: 1 minute;

4. the model operation factors are as follows: the macro economic policy evaluation criteria are: the influence degree and the trend of the national macro-economic policy on the enterprise, the influence degree and the expectation of the economic period and the relevant macro-economic situation of the industry on the operation of the enterprise are divided into 3, and the supervision attitude or the support of the administrative organ on the industry is divided into 2; the industry and stockholder background evaluation table standard is as follows: the characteristics of the industry, the competition condition of the industry, the position of the enterprise in the industry is 1 point higher, the economic strength and the credit condition of a main stockholder or a sponsor are good, and the supporting strength for the enterprise is 1 point higher: the growth and defense risk evaluation standard is as follows: the investment of medium-long term planning and strategy of enterprises is 1 minute more; the enterprise has strong willingness and capability of developing new products, and whether 1 point of developed subsequent new products is kept; and (3) the enterprise has 1 point of measures for scientific analysis capability of the market, effective prediction, analysis, avoidance and risk resolution.

Third, the invention obtains the basis (work draft) of the evaluation data of all evaluation elements of the enterprise body of the software information

Without limitation: 1. copy of business license, 2. identification card of legal representative, academic calendar, job title, personal credit report, 3. identification card of main operator, academic calendar, job title, social insurance certificate (all payment records), 4. practitioner, credit identity card, academic calendar, job title, social insurance certificate (all payment records) at middle layer, 5. copy of main page of contract in three years, 6. resolution of company chapter copy and stockholder, 7. credit, finance, labor management, post responsibility, quality management system, 8. regional industry certificate, 9. share public welfare agency rank certificate, 10. certificate of software enterprise, high and new technology enterprise certificate, 11. certificate of software product registration, certificate of software copyright, certificate of autonomous knowledge property right such as patent or acceptance notice, etc. effective certificate of system integration type software enterprise needs to provide certificate of computer information system integration quality certificate, 12, EDA tool and legal development tool certification, 13, tax payment rating, customs rating, industrial and commercial contractual re-credit, quality award and other award certification, 14, special audit report, 15, enterprise basic information table, 16, enterprise main operation manager information table, 17, administrative penalty item description and the like.

Fourthly, making a rating result and paraphrasing

1. The model rating results and identification

The credit rating of the software information enterprise main body is 100, one is rated every 10, the credit rating is 9, and AAA, AA, A, BBB, BB, B, CCC, CC and C are respectively.

2. Rating results and paraphrases

As shown in table 2.

TABLE 2 Credit rating definitions

Credit report standard format and content

The standard patterns for credit reports prepared by the present invention include: the standard modes of cover page, credit report summary, credit report text and accessories, and the specific credit report are as follows:

software information enterprise body credit rating report standard format: see fig. 1.

Sixthly, evaluation operation platform

The evaluation operation tool of the credit rating method of the software information enterprise main body comprises the following steps: including internet intelligent rating systems and offline evaluation using common office software.

By the technical scheme, the method for grading the credit of the software information enterprise main body at least has the following advantages:

the invention relates to a method for grading credit of a software information enterprise main body, which comprises the steps of establishing an index system for evaluating credit elements, and establishing a scoring method and a basis of the index elements; and collecting evaluation data of credit factors of the software information enterprise main body, confirming the grade of each index according to the evaluation standard and the evaluation data of each evaluation factor, summarizing the comprehensive grade, determining the credit grade and making a credit report. The method for evaluating the credit of the software information enterprise main body provided by the invention adopts a plurality of evaluation elements to comprehensively evaluate the software information enterprise main body, converts the descriptive language of non-financial indexes into a score value, and finally forms a complete and scientific software information enterprise main body credit evaluation model.

The foregoing is a summary of the present invention, and in order to provide a clear understanding of the technical means of the present invention and to be implemented in accordance with the present specification, the following is a detailed description of the preferred embodiments of the present invention.

Drawings

FIG. 1 is a drawing of a software information enterprise principal credit rating report standard format;

fig. 2 is a diagram of a credit rating report of a subject of cornitai electronics technology corporation.

Detailed Description

To further illustrate the technical means and effects of the present invention adopted to achieve the predetermined objects, the following detailed description will be given below in conjunction with the preferred embodiments of the present invention, using conventional office software, with reference to the detailed implementation, features and effects of the method for rating the credit of the software information enterprise entity proposed by the present invention. In the following description, different "one embodiment" or "an embodiment" refers to not necessarily the same embodiment. Furthermore, the particular features or characteristics of one or more embodiments may be combined in any suitable manner; the operation platform can be operated through conventional office software or through an internet intelligent office system.

One embodiment of the invention provides a method for rating credit of a software information enterprise main body, which comprises the following steps:

(1) according to the credit evaluation element standard established by the invention for evaluating the software information enterprise main body, the evaluation data of all the evaluation elements of the software information enterprise main body are collected, and the evaluated element data comprises the basic condition of the software information enterprise main body, the running condition of an e-commerce platform, the financial condition, the management factors and other data;

(2) calculating a comprehensive score of the credit rating of the software information enterprise main body; confirming the credit rating of the evaluation subject;

(3) writing a credit report of the main body of the software information enterprise;

(4) and displaying the rating result in the related media by using the rating result symbol.

1. The preferred basic case is: the high-pipe personnel: more than 60% of management teams have the title of the subject above the academic calendar or the middle level above, are used for 10 years, and have no bad records of 3 points; the practitioner: the ratio of the subject's practice is more than 60% (including) in 5 years, 2 min; treating a legal person: stockholders, board (executive board), prison, manager setup ready, hold meeting 1 point as specified; and (3) a service management system: the coverage rate of each management system is more than 90 percent and 2 minutes; personnel management: signing labor contract according to law, not defaulting wages, paying 5 social insurance and 1 point of public accumulation money on time; financial management: the financial system is sound, the accounting is accurate, the management system of the franchised shop is established for 2 minutes; and (3) credit management: equipping a credit manager; a credit management system is provided and 1 point is strictly executed; quality certification condition: each time the authentication is obtained, 1 point is given; and (3) industry status grading: ranking the top ten places in the same industry by 1 point; social public welfare: the social public welfare and charitable cause donation are provided, and the investment is obviously 1 point; main market areas: 1, developing national services; the loss record of the credit China and the local credit system: recording 15 points without losing confidence; tax grade: no A, B grade Enterprise 0 score; customs credit rating: no enterprise above grade A is rated 0; market supervision authority honor: the non-repeated contract credit proof is 0 point; no other credit rating criteria: 0 minute;

2. the credit management of the preferred software information platform: the software enterprise identifies the evaluation standard of the certificate: the certificate of the software enterprise or the certificate of the information consultation qualification is divided into 2 points; the high and new technology enterprises shown identify the certificate evaluation standard: the high and new technology enterprise certified by the industry and telecommunications tax department is 2 points; the evaluation standard of the product with intellectual property rights is as follows: the product has intellectual property product certification, 10 points for each product; the main business has an independent intellectual property evaluation standard: the main business has an independent intellectual property certificate, and the main business has an independent intellectual property certificate of 2 points; the enterprise software product develops and sells (business) income proportion rating standard: the software product development sales (business) income/enterprise income gross amount of the software enterprise is multiplied by 100 percent, is more than or equal to 50 percent and is divided into 5 minutes; the embedded software product and information system integrated product development and sales (business) income is compared and evaluated: the embedded software product and information system integrated product development sales (business) income/enterprise income multiplied by 100 percent is more than or equal to 40 percent and is divided by 2; the software product is evaluated by the ratio of independent development and sales (business) income: the total income of the software product is multiplied by 100 percent, is more than or equal to 40 percent and is divided into 5 minutes; the proportion evaluation of the embedded software product and the information system integrated product development and sales (business) income to the total income of the enterprise is as follows: the embedded software product and information system integrated product development sales (business) income/enterprise income sum multiplied by 100 percent is more than or equal to 30 percent and 2 minutes; the research and development cost is evaluated in proportion: the total research and development cost/total business sales (business) income of the enterprise of the last year is multiplied by 100 percent, is more than or equal to 6 percent and is divided by 2 minutes; the domestic research and development cost is evaluated in proportion: the amount of research and development expense/research and development expense multiplied by 100 percent of an enterprise in China is more than or equal to 60 percent and 2 minutes; the software and hardware facilities and other development environments: legal development tools and the like prove 1 point;

3. preferred financial conditions are: the rate of the assets and liabilities is (sum of liabilities/sum of assets) multiplied by 100 percent, less than or equal to 60 percent and 3 minutes; snap ratio ═ (snap asset/mobile liability) × 100%, ≧ 100%, 3 cents; the total asset turnover rate is equal to the total amount of main business income/average assets, and is more than or equal to 2 times and 3 minutes; the turnover rate of the flowing assets is the total amount of the main business income/average flowing assets, and is more than or equal to 3 times and 2 minutes; net asset profitability (net profit/average net asset) x 100%, not less than 10%, 2 points; the profit rate of the operating income (total profit/net income of main business) multiplied by 100% is more than or equal to 7% and 2 minutes; business income growth rate ═ total business income at the end of the year/total business income at the end of the three years ago^1/3-1]X is 100 percent, more than 6 percent and 2 minutes; average growth rate of capital ═ total amount of equity of end-of-year owner/total amount of equity of end-of-year owner three years ago^1/3-1]X is 100 percent, more than 5 percent and 2 minutes;

4. preferred operational factors are: the macro economic policy evaluation criteria are: the influence degree and the trend of the national macro-economic policy on the enterprise, the influence degree and the expectation of the economic period and the industrial relevant macro-economic situation on the operation of the enterprise are better, 4 points; the industry and stockholder background evaluation table standard is as follows: the characteristics of the industry, the competition condition of the industry, the position of the enterprise in the industry is 1 point higher, the economic strength and the credit condition of a main stockholder or a sponsor are good, and the supporting strength for the enterprise is 1 point higher: the growth and defense risk evaluation standard is as follows: the investment of medium-long term planning and strategy of enterprises is 0.5 minute more for technical transformation; the enterprise has strong willingness and capability of developing new products, and whether 1 point of developed subsequent new products is kept; and the enterprise has 0.5 point of measures for scientific analysis capability of the market, effective prediction, analysis, avoidance and risk resolution.

The total score of the credit rating of the body of the corson electronic technology corporation is 100, the total score of the credit rating of the body of the corson electronic technology corporation is 87, and according to the table 2, the corresponding rating evaluation results are as follows: grade AA.

According to the credit evaluation method of the present invention, the credit of the entity of the cortay electronic technology corporation is evaluated, and the scoring table is shown in table 3.

TABLE 3 software information Enterprise entity Credit evaluation factor scoring Table

Credit rating report of the entity of the corson electronics technology corporation: see fig. 2.

Through the above scoring table and the evaluation report, the credit rating level of the body of the Kangtai electronic technology corporation is "AA", and the body is disclosed in the related media by the symbol "AA".

The credit status of the Corntai electronic technology corporation main body can be clearly displayed to be better, the operation is carried out according to law, and the method has stronger risk control and sustainable development capability, is a model of characteristic operation in the industry, has higher industry development leading effect and has strong debt repayment capability.

While the invention has been described with reference to the preferred and simplified embodiments, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

Claims

1. A method for rating credit of a software information enterprise main body is characterized by comprising the following steps: the method comprises the following steps of establishing an index system model of credit evaluation elements of a software information enterprise main body, wherein the index system model comprises the following steps: the total score of the evaluation index system is 100, and the evaluation index system consists of four parts, wherein: the basic case part: the number of the second-level indexes is 4, the second-level indexes are subdivided into 20 third-level indexes, and the total number is 35; software information technology service part: 6 secondary indexes are obtained, 11 subdivided tertiary indexes are obtained, and the total number is 35; the financial status section: the secondary indexes are 4, and are subdivided into 8 tertiary indexes, and the total number is 20; and the part of the operational factors is as follows: the indexes are subdivided into 3 three levels, and the total number is 10; the method comprises the following steps: 4 primary indexes, 14 secondary indexes and 42 tertiary indexes; the basic case part is 35 points: the quality of the staff is 5 points: the quality of high-quality personnel is 3 points, and the quality of practitioner is 2 points; the operation management is divided into 7 grades: the management method comprises the following steps of 1 point of corporate management structure, 2 points of business system management, 1 point of personnel management, 1 point of financial management, 1 point of credit management and 1 point of quality management; the competitive position is divided into 3 grades: the market is divided into 1 part of industry status, 1 part of social public welfare and 1 part of main market area; the administrative supervision information is divided into 20 parts: credit China, loss records of local credit system 15 points, other loss records 3 points, credit honor of other departments 2 points; the software information technology service is divided into 35 parts: the software information consultation qualification is 4 points: the software enterprise certifies the certificate for 2 points, and the high and new technology enterprise certifies the certificate for 2 points; the software and information consultation technical operation capacity is 12 points: the system has 10 scores of intellectual property products, 2 scores of independent intellectual property for major business, 5 scores of enterprise software product development and sales (business) income, 2 scores of embedded software product and information system integrated product development and sales (business) income, 5 scores of software product independent development and sales (business) income, 2 scores of embedded software product and information system integrated product development and sales (business) income and 2 scores of enterprise income total amount for research and development expense; the domestic research and development cost accounts for 2 points: 1 minute of development environments such as software and hardware facilities and the like; the financial status is 20 points, the liability capability is 6 points, wherein: the balance rate is 3 points, the quick action rate is 3 points, and the operation capacity is 5 points, wherein: total asset turnover rate of 3 points, liquidity turnover rate of 2 points, profitability of 5 points, wherein: net asset profitability of 2 points, revenue profit rate of 3 points, and development ability status of 4 points, wherein: the business income growth rate is 2 points, and the average capital growth rate is 2 points; the business factors are 10 points: the macro-economic policy is 5 points, the industry and stockholder background is 2 points, and the growth and resistance risk is 3 points; the index system model of the credit evaluation element of the established software information enterprise main body is shown as the following table: credit rating standard and scoring method table for software information enterprise main body

2. The model rating result and identification, according to claim 1: the credit rating of the software information enterprise main body is 100 points, one level is given every 10 points, the company credit rating is 9 levels, and AAA, AA, A, BBB, BB, B, CCC, CC and C are given respectively.

3. The software information enterprise agent credit rating report standard format and content, the method for software information enterprise agent credit rating according to claim 1, wherein the software information enterprise agent credit report format is: cover page, credit report summary, credit report text, and attachment; the credit report cover includes: evaluation unit, report number, title: credit rating report, production organization, production date, etc.; the credit report summary page comprises: title: credit rating report summary page, credit rating and paraphrasing, assessment perspective, basic information, major financial indicators and data, drop: evaluator, rating agency name; the credit report text comprises: the basic case part: personnel quality, operation management and competitive position; administrative supervision information; the software information technology service part comprises the following steps: software information consultation qualification, information disclosure, software and information consultation technical operation capacity; the financial status section: debt paying ability, business ability, profitability, development ability status; the business factor part is as follows: macro economic policy, industry and stockholder background, growth and defense risk analysis; the credit reporting accessory includes: declarations, tracking rating arrangements, credit rating paraphrases, comparing financial statements.

4. The rating method platform of claim 1, wherein the rating platform: the system comprises an internet intelligent rating system and off-line common office software for implementing evaluation operation.

5. The appended claims 1, 2, 3, 4 are only for the purpose of simplifying the above-mentioned report and do not limit the invention in any way, and any simple modification, equivalent change and modification of the above-mentioned report elements according to the technical essence of the present invention are within the scope of the technical solution of the present invention.