CSR & C redit M anagement Key P oints of Credit Investigation ( Five Cs )
Key P oints of Credit Investigation CHARACTER CAPITAL CAPACITY CONDITION COLLATERAL F I VE Cs
Key P oints of Credit Investigation CHARACTER CAPITAL CAPACITY CONDITION COLLATERAL ❖ History ❖ Proprietors ❖ Affiliates ❖ Management & A dministration CHARACTER F I VE Cs
Key P oints of Credit Investigation CHARACTER CAPITAL CAPACITY CONDITION COLLATERAL ❖ Alteration of C apital ❖ Capital R elationship CAPITAL F I VE Cs
Key P oints of Credit Investigation CHARACTER CAPITAL CAPACITY CONDITION COLLATERAL ❖ Equipment F acilities ❖ Employee s CAPACITY F I VE Cs
Key P oints of Credit Investigation CHARACTER CAPITAL CAPACITY CONDITION COLLATERAL ❖ Bank Reference ❖ Industry T rend ❖ Current Operation ❖ Prospect CONDITION F I VE Cs
Key P oints of Credit Investigation CHARACTER CAPITAL CAPACITY CONDITION COLLATERAL ❖ A ccredited Terms ❖ Guarantor B ackground COLLATERAL F I VE Cs
CSR & C redit M anagement Credit for Sustainability
Credit for Sustainability Economy Environment Society
Credit for Sustainability 【 Company G overnance 】 Economy Environment Society R easonable structure means certain independent directors in board, considering of sex, nationality, and union delegate, etc. Possessing board with reasonable structure
Credit for Sustainability 【 Company G overnance 】 Economy Environment Society R elated financial report was audited by Certified Public Accountant. Possessing effective audit system
Credit for Sustainability 【 Company G overnance 】 Economy Environment Society Possessing memberships in related association (such as industry association), domestic or international organizations, such as Board of the UN Global Compact, CBCSD,Committee of Corporate Citizenship, Environment Science Association and CSC9000T. Possessing member - ships in related association
Credit for Sustainability 【 Stakeholders 】 Economy Environment Society S takeholders include clients, consumers, investors, employees, community populace, government and civilian organization, etc. legal disputes include law cases about leaking out customers’ privacy and data, blindfolding clients, blindfolding investors or cooperators, price-fixing or exclusive dealership depending on monopoly position, etc. Legal disputes with stake - holders
Credit for Sustainability 【 Stakeholders 】 Malignant influence on safety and health Economy Environment Society In serving terms, related products or services will exert a malignant influence on consumers’ safety and health.
Credit for Sustainability 【 Stakeholders 】 Making relevant quality guarantee standards Economy Environment Society Making relevant quality guarantee standard for safety and perfect, protecting rights of consumers/clients,such as perfect after service system, national safety of product certificate, CCC, UC safety of certificate , S-Mark safety of certificate(Argentina), CSA certificate (Canada), FCC certificate (US), PSE certificate (Japan), CB internationalcertificate, C-Tick certificate (Australia).
Credit for Sustainability 【 Commercial Ethics 】 In economic disputes Economy Environment Society In economic disputes, such as corruption and bribery .
Credit for Sustainability 【 Commercial Ethics 】 Infringing intelligence property rights Economy Environment Society Infringing others’ intelligence property rights .
Credit for Sustainability 【 Commercial Ethics 】 disobeying ethic principle or social welfare Economy Environment Society Related products or services disobeying ethic principle or social welfare: correlation with drugs, alcohol and tobacco, firearms,eroticism,gambling,etc.
Credit for Sustainability 【 Environment M anagement 】 Building environment management systems Economy Environment Society B uilding environment management systems: such as ISO14000 certificate, EMS .
Credit for Sustainability 【 Environment M anagement 】 Implement-ing active environment strategy Economy Environment Society During investment or new technology development, implementing active environment strategy: such as Environmental Impact Assessment, Energy-Saving Design ， Environment Protection Material and Technology, callback mechanism.
Credit for Sustainability 【 Environment performance 】 With accident or hidden trouble Economy Environment Society W ith accident or hidden trouble .
Credit for Sustainability 【 Sustainable Development Report 】 Coming out with sustainable development reports Economy Environment Society C oming out with sustainable development reports: such as environment report, social report, corporate citizenship report, corporate social responsibility report, etc.
Credit for Sustainability 【 C ommonweal P hilanthropy 】 Taking part & supporting commonweal activities Economy Environment Society T aking part in commonweal activities, supporting social development and future: such as commonweal donation, commonweal advertisement, employee volunteer service.
Credit for Sustainability 【 L abor R elation 】 Disputes or law cases on labor controversy Economy Environment Society I f there are disputes or law cases, such as labor dispute: for example, discrimination in employment (including application), dismissal or promotion; in defer - ence to rights and individual belief of migrant workers, children,women,children,pregnant women,handicapped, equal rights on training, salaries and welfare; system for confirming actual employee’s age; special treatment for junior workers (Including overtime and night shift limit - ation , regular medical examination, etc.) ; special treat - ment for pregnant women.
Credit for Sustainability 【 L abor R elation 】 W ork accidents Economy Environment Society W ork accidents, occupational disease and w orking a ccident.
CSR & C redit M anagement CSR R esearch on E nterprises in China
CSR R esearch in China R esponding to the economic laws,and keep normal market order . I n order to solve the employment problem, the health wearfare and taining development of employees, don’t escape or dodge tax, respect and protect consumers . Focusing on environment protection . In general, the enterprises in China limited the liabilities to enterprise and society to economic and law, didn’t improve to the liabilities of morality and charity which was expected by the public. 【 Cognition of CSR 】
CSR R esearch in China Most of enterprises thought practice in workplace, influence by environment, company governance/ community problem are related with CSR. It showed that enterprises have certain cognition about corporate social responsibility. Mainland large enterprises and international companies are main undertakers; only few enterprises establish special popularity departments or social responsibility departments Most of companies did not establish the sense of corporate social responsibility, they only focused on Profit maximization. 【 Industrial characteristics of CSR 】
CSR R esearch in China 42% would like to invest in this listed company after reliazing the high quality information of listed company on ESG . 60% would like to invest in funds or management funds marked with SRI index. 44% would like to invest in high performance companies on the area of management, environment, society and working place . 【 Investment Activities of Financial Institutions in China 】
CSR R esearch in China 【 Investment Activities of Financial Institutions in China 】 28% would not like to invest in tobacco, gambling and alcohol drinks corporations . 48% has the will to invest in high performance company of management . 56% has the will to invest in high performance company of environment . 40% has the will to invest in well managed company in working place .