福建省区域内客户企业信用风险评价数据

材料制造行业普遍存在交易前先付20至30%的定金，等客户收到全部货物再付其余尾款，会存在有客户迟迟拖欠尾款的情况发生。企业信用风险在经济管理领域中起着非常重要的作用，可以帮助本行业所有企业识别和评估客户企业的信用风险，从而避免因客户违约而造成的损失。通过评价客户的信用风险等级，对于评优秀的企业，本行业所有企业可以放心合作或者降低定金比例促进双方交易量，而对于评良好的企业，本行业所有企业需要与客户企业维持在30%左右的定金比例上合作，而对于评不及格的企业，本行业所有企业一定需要与客户企业在50%以上的定金比例上才能合作，从而避免因客户违约而造成的损失。1.对近一年合作的企业采集相关数据。2.算法规则：（1）a1（注册资本≥1亿元加20分，在0.1至1亿元加10分，其余都只加5分）（2）a2（一线城市加20分，二线加10分，其余加5分）（3）a3（员工≥100人加15分，30至100人加8分，其余加3分）（4）a4（知识产权总数≥25个加15分，15-25个加8分，其余加5分）（5）a5（国家级荣誉加20分，省级荣誉加15分，市级荣誉加8分）（6）a6（企业有≥20司法诉讼减10分，有5至20条减5分，5条以下加5分）（7）a7（凭主观打0至10分）（8）a8（企业等级在A和B级的加15分，企M级的加8分，C和D级的减2分）（9）a9（与本行业所有企业有≥3违约的减10分，有1或者2次违约的减5分，0次违约的加15分）。3.计算信用风险值A=（a1+a2+......a9）*k1，k1不同省份值不同，浙江省k1值为1.08。4.评价企业信用风险等级，A大于等于85分为优秀，65-85分为良好，小于等于65分为不及格，从而帮助本行业所有企业识别和评估客户企业的信用风险，从而避免因客户违约而造成本行业所有企业的损失。

In the material manufacturing industry, it is a common practice to require a 20% to 30% down payment before a transaction, and the remaining balance to be paid after the customer receives the full shipment. However, there are frequent cases where customers delay paying the remaining balance. Enterprise credit risk plays a very important role in the field of economic management, as it can help all enterprises in the industry identify and evaluate the credit risk of their customer enterprises, so as to avoid losses caused by customer defaults.
By evaluating the credit risk rating of customers, for enterprises rated excellent, all enterprises in the industry can cooperate with them at ease or reduce the down payment ratio to promote transaction volume between both parties; for enterprises rated good, all enterprises in the industry need to maintain cooperation with a down payment ratio of about 30%; for enterprises rated failing, all enterprises in the industry must require a down payment ratio of more than 50% to cooperate, so as to avoid losses caused by customer defaults.
1. Collect relevant data from enterprises that have cooperated in the past year.
2. Algorithm scoring rules:
(1) a1: 20 points will be added if the registered capital is ≥ 100 million RMB, 10 points will be added if it is between 10 million and 100 million RMB, and 5 points will be added for the rest;
(2) a2: 20 points will be added for enterprises located in first-tier cities, 10 points for second-tier cities, and 5 points for others;
(3) a3: 15 points will be added if the number of employees is ≥ 100, 8 points for 30 to 100 employees, and 3 points for the rest;
(4) a4: 15 points will be added if the total number of intellectual property rights is ≥25, 8 points for 15 to 25, and 5 points for the rest;
(5) a5: 20 points will be added for national honors, 15 points for provincial honors, and 8 points for municipal honors;
(6) a6: 10 points will be deducted if the enterprise has ≥20 judicial lawsuits, 5 points will be deducted for 5 to 20 lawsuits, and 5 points will be added for less than 5 lawsuits;
(7) a7: Subjectively scored from 0 to 10;
(8) a8: 15 points will be added if the enterprise credit rating is Grade A or B, 8 points for Grade M, and 2 points will be deducted for Grade C or D;
(9) a9: 10 points will be deducted if the enterprise has ≥3 defaults with all enterprises in the industry, 5 points will be deducted for 1 or 2 defaults, and 15 points will be added for 0 defaults.
3. Calculate the credit risk value A = (a1 + a2 + ... + a9) * k1, where k1 varies by province, with a value of 1.08 for Zhejiang Province.
4. Evaluate the enterprise credit risk rating: enterprises with A ≥ 85 are rated excellent, those with 65 ≤ A < 85 are rated good, and those with A ≤ 65 are rated failing. This helps all enterprises in the industry identify and evaluate the credit risk of their customer enterprises, so as to avoid losses caused by customer defaults for all enterprises in the industry.