Project Background

Flexible circuit board (FPC) is a printed circuit board made of flexible insulating substrate, which can greatly reduce the volume of electronic products and is suitable for the development of electronic products in the direction of high density, miniaturization and high reliability. Flexible circuit boards are widely used in smart phones, automotive electronics, wearable devices and other fields, and the market demand is growing.

A flexible circuit board enterprise (hereinafter referred to as the enterprise) is a professionalFPCDesign, production and sales of high-tech enterprises, the main customers are Huawei, Xiaomi,OPPOSuch as domestic and foreign well-known mobile phone brands. The company's performance has grown steadily in recent years, but it is also facing challenges such as intensified market competition, raw material price fluctuations, and customer credit risks.

Customer pain points

When the business conducts transactions with customers, it is usually required to provide a certain percentage of the credit line so that the customer can pay for the goods after receiving the goods. While this is conducive to promoting sales and maintaining customer relationships, there are certain risks, such as customer default or evasion of payments, deterioration of the customer's financial situation or bankruptcy. These risks may lead to liquidity difficulties for the enterprise and affect its normal operation and development.

In order to effectively prevent and control customer credit risk, the enterprise needs to conduct a comprehensive and accurate credit assessment of the customer, understand the customer's legal identity, credit situation, transaction situation and other information, in order to make effective judgments in the transaction activities. However, the company lacks professional credit evaluators and methods, cannot conduct in-depth credit investigation and analysis of customers, and can only rely on part of the information provided by customers and their own experience to make judgments, which can easily cause information asymmetry and misjudgment.

Project Purpose

20235In January, in order to solve the pain point of the enterprise, Shangpu Consulting Company (hereinafter referred to as Shangpu) accepted the entrustment of the enterprise to provide credit reporting business. The aim of the project is:

Through systematic credit investigation and analysis of the existing and potential customers of the enterprise, it provides comprehensive and accurate comprehensive credit information of customers;

Through the credit rating and risk assessment of customers, provide them with customer credit rating and risk rating, and give corresponding suggestions and measures;

Through customer tracking rating and monitoring services, timely detection and early warning of customer credit changes and risk dynamics, and timely update the content of the report;

By providing professional credit management consulting services, we help the company establish and improve customer credit management systems and processes, and improve customer credit management levels and capabilities.

Research object

The research object of the project is the existing and potential customers of the enterprise, including the following two categories:

Customers who have had transactions with the business, total50Home, mainly for domestic and foreign well-known mobile phone brands;

Customers who are interested in cooperating with the enterprise, totaling20home, mainly for automotive electronics, wearable devices and other fields of emerging consumer electronics manufacturers.

Project Content

The main contents of the project include the following aspects:

Credit investigation: by collecting and analyzing the customer's basic information, financial information, transaction information, industry information, market information, legal information, etc., to understand the customer's business status, financial status, credit status, transaction status, etc;

Credit rating: through the use of the credit rating model and method independently developed by Shangpu Consulting Company, the customer is scored comprehensively, and the customer is divided into different credit ratings and risk levels according to the scoring results;

Risk assessment: quantitative and qualitative assessment of customer risk exposure and impact by identifying and analyzing various risk factors faced by customers, such as market risk, industry risk, operational risk, financial risk, legal risk, etc;

Suggestions and measures: according to the customer's credit rating and risk level, as well as the enterprise's trading strategy and objectives, to provide them with corresponding suggestions and measures, such as credit limit setting, payment method selection, guarantee requirements, contract terms formulation, etc;

Tracking rating: through the collection and analysis of the latest information of customers on a regular or irregular basis, timely detection and early warning of customer credit changes and risk dynamics, and according to the situation to adjust the customer's credit rating and risk rating, and timely update the content of the report;

Credit management consulting: through the diagnosis and analysis of the current situation of customer credit management of the enterprise, find out the existing problems and deficiencies, and provide professional credit management consulting services according to the international common credit management concepts and methods, help them establish and improve the customer credit management system and process, and improve the level and ability of customer credit management.

Project Value

Improve the enterprise's understanding of the customer's credit situation, enhance the basis and efficiency of its transaction decision-making;

Reduce the customer credit risk faced by the enterprise, reduce its possible losses and impact;

Enhance the mutual trust relationship between the enterprise and its customers and promote long-term cooperation between them;

Improve the enterprise's customer credit management level and ability, enhance its competitive advantage in the market;

It helps the company to expand into new market areas and customer groups, creating more opportunities for its future development.