Project background:

Cruise tourism is a new form of tourism market at home and abroad in recent years. It has the characteristics of high added value, high consumption and high quality, and is favored by more and more consumers. In the market competition, cruise tourism enterprises need to continuously improve their credit level and brand image to attract more customers and partners.

Customer pain points:

A cruise tourism enterprise (hereinafter referred to as the customer) is a company specializing in the development, sales and service of cruise tourism products.2015In 2002, it owned its own cruise and acted as an agent for well-known cruise brands at home and abroad. In the process of development, customers are facing the following problems:

When customers conduct credit transactions with suppliers, partners, financial institutions, etc., they lack effective credit certificates, resulting in increased transaction costs, increased financing difficulties, and reduced cooperation opportunities;

When customers conduct marketing with consumers, they lack authoritative credit evaluation, which leads to the brand image is not prominent, the customer trust is not high, and the market share is unstable;

When customers carry out internal management and risk control, they lack a systematic credit management system, which leads to the increase of hidden dangers of credit risk, frequent credit losses and imperfect credit culture.

Project purpose:

In order to solve the customer's pain point problem and improve the customer's credit level and brand image, the customer entrusts Shangpu Consulting Company (hereinafter referred to as Shangpu) to provide credit reporting business for it. The business aims to provide customers with the following values through a comprehensive, accurate and objective comprehensive credit evaluation of customers:

Help customers to obtain authoritative credit certificates and improve their bargaining power and competitive advantage in credit transactions;

帮助客户展示良好的信用形象，增强客户在市场营销中的吸引力和影响力；

帮助客户建立完善的信用管理体系，降低客户在经营活动中的信用风险和损失。

Research object:

The research objects of this project include the following three categories:

Customer itself: including the customer's basic information, business status, financial status, credit records, etc;

Customer related parties: including the customer's suppliers, partners, financial institutions, consumers, etc;

Industry environment: including the development status, trends, policies and competition of the cruise tourism industry.

This project has investigated the customer itself.1家，客户相关方20家，行业环境10个方面。

Project Content:

The main contents of this project include the following steps:

Collect information: through communication with customers, obtain relevant information provided by customers, including business license, financial statements, credit reports, etc;

Research and analysis: through contact with customer related parties, to obtain the customer's credit transactions, including contract performance, payment capacity, credit evaluation, etc.; through consulting industry information, to obtain the impact of the industry environment on customers, including market size, competition pattern, policies and regulations, etc;

Rating formulation: through the use of Shangpu's rating methods and standards, taking into account the customer's credit status, credit risk, credit prospects and other factors, to determine a credit rating for customers, and give the corresponding rating instructions and recommendations;

Report writing: According to the rating results, write a detailed credit report, including the rating object introduction, rating basis, rating conclusion, rating outlook, etc., and submit the report to the customer.

Project Value:

This project provides the following value to the customer:

为客户提供了一份权威、专业、全面的信用资信报告，为客户在与供应商、合作伙伴、金融机构等进行信用交易时提供了重要的决策参考，降低了交易成本和风险，增加了交易效率和效果；

To provide customers with a powerful letter of credit and credit publicity tools, for customers in marketing with consumers to provide a strong support, improve the customer's brand image and market share, enhance the customer's market competitiveness and profitability;

It provides customers with a valuable credit management reference, provides useful guidance for customers in internal management and risk control, helps customers improve their own credit management system and credit culture construction, and improves customers' credit level and credit image.