Project background:

A financial equipment company is a high-tech enterprise specializing in the research and development, production, sales and service of financial equipment.ATMmachine, money counter, money detector, clearing machine, etc. The company occupies a high share in the domestic market, and at the same time actively explores the international market, and has established cooperative relations with financial institutions in many countries and regions.

Customer pain points:

In the process of expanding into the international market, the company is faced with some credit risks and uncertainties, such as how to assess the credit status of potential customers, how to prevent fraud and default, and how to improve the efficiency and security of credit transactions. The company hopes to obtain comprehensive, accurate and timely comprehensive credit information of customers through professional enterprise credit reporting business, so as to provide important decision-making reference for its international market expansion.

Project purpose:

20236In January, the company commissioned Shangpu Consulting to carry out corporate credit reporting business, the main purpose is:

Understand the target customer's basic information, credit information, judicial information, financial information, negative records and other credit-related information;

Analysis of the target customer's credit status, credit score, credit limit and other credit indicators;

Provide reasonable credit recommendations and risk prevention and control measures for target customers;

Enhance the company's credibility and competitiveness in the international market.

Research object:

The project targets the company's potential customers in the international market, including various financial institutions, commercial banks, retailers, etc. According to the list provided by the company, Champ Consulting has a total100Target customers were surveyed.

Project Content:

The main contents of the project include:

Collect basic information of target customers, such as registration information, shareholder information, legal representative information, business scope, etc;

Query the credit information of the target customer, such as loan records, repayment records, overdue records, arrears records, etc;

Query the judicial information of the target customer, such as litigation records, arbitration records, execution records, breach of trust records, etc;

Query the financial information of the target customer, such as balance sheet, profit statement, cash flow statement, etc;

Check the negative records of target customers, such as the list of abnormal business operations, the list of serious violations and dishonesty, and the list of administrative penalties;

Analyze the credit status of the target customer, such as solvency, profitability, business ability, growth ability, etc;

Calculate the credit score of the target customer, according to the scoring model independently developed by Shangpu Consulting, taking into account various factors, give a.0-100The value between the points;

Calculate the credit limit of the target customer, according to the quota model independently developed by Shangpu Consulting, comprehensively consider various factors, and give a reasonable credit amount;

Provide the target customer's credit advice, according to the target customer's credit score and credit limit, give the corresponding credit rating and credit conditions;

Provide risk prevention and control measures for target customers, and give corresponding risk warning and risk response plans according to the credit risk and potential risk of target customers.

Project Value:

The project provides the company with the following values:

Help the company to understand the credit information of target customers comprehensively, accurately and timely, and provide important decision-making reference for its international market expansion;

Help the company to reasonably assess the credit status of target customers, and provide them with scientific credit advice and risk prevention and control measures;

To help the company improve the efficiency and security of credit transactions, reduce credit risks and losses, and increase credit returns and profits;

Help the company to enhance its reputation and competitiveness in the international market and win more customers and market share.