陕西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。

It is a common practice in the material manufacturing industry to require a 20% to 30% advance deposit prior to initiating a transaction, with the remaining final payment due upon the customer's receipt of the full shipment. However, it is not uncommon for customers to delay paying the final balance for extended periods. Corporate credit risk plays a pivotal role in the field of economic management, as it enables all enterprises within the industry to identify and assess the credit risk of their client enterprises, thereby avoiding losses incurred from customer defaults.

By evaluating the credit risk level of clients, all enterprises in the industry can safely cooperate with enterprises rated as "excellent", or even reduce the deposit ratio to boost transaction volume; for enterprises rated as "good", enterprises in the industry should maintain a deposit ratio of approximately 30% when cooperating; for enterprises rated as "failed", enterprises in the industry must require a deposit ratio of over 50% to conduct cooperation, so as to avoid losses caused by customer defaults.

1. Collect relevant data from client enterprises that have cooperated with any enterprise in this industry over the past year.

2. Algorithm rules:
(1) a1: +20 points if the registered capital is ≥ 100 million RMB, +10 points if 10 million ≤ registered capital < 100 million RMB, and +5 points for all other cases
(2) a2: +20 points for first-tier cities, +10 points for second-tier cities, and +5 points for all other regions
(3) a3: +15 points if the number of employees ≥ 100, +8 points if 30 ≤ number of employees < 100, and +3 points for all other cases
(4) a4: +15 points if the total number of intellectual property rights ≥25, +8 points if 15 ≤ total number of intellectual property rights <25, and +5 points for all other cases
(5) a5: +20 points for national-level honors, +15 points for provincial-level honors, and +8 points for municipal-level honors
(6) a6: -10 points if the number of judicial lawsuits ≥20, -5 points if 5 ≤ number of judicial lawsuits <20, and +5 points if the number of judicial lawsuits <5
(7) a7: Subjectively scored on a scale of 0 to 10
(8) a8: +15 points for enterprises with credit ratings of A or B, +8 points for enterprises with credit rating of M, and -2 points for enterprises with credit ratings of C or D
(9) a9: -10 points if the number of defaults with all enterprises in this industry ≥3, -5 points if 1 ≤ number of defaults with all enterprises in this industry ≤2, and +15 points if the number of defaults with all enterprises in this industry = 0

3. Calculate the credit risk score A = (a1 + a2 + ... + a9) * k1, where k1 varies across different provinces; the value of k1 for Zhejiang Province is 1.08.

4. Evaluate the credit risk level of enterprises: enterprises with A ≥ 85 are rated as "excellent", those with 65 ≤ A < 85 are rated as "good", and those with A ≤ 65 are rated as "failed". This helps all enterprises in the industry identify and assess the credit risk of their client enterprises, thus avoiding losses caused by customer defaults.