江西省区域内客户企业信用风险评价数据
收藏资源简介：
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，江西省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 prevalent practice in the material manufacturing industry that parties to a transaction require the customer to pay an initial deposit of 20% to 30% before conducting the deal, with the remaining balance to be settled after the customer receives the full consignment. Nevertheless, delayed payment of the remaining balance by customers is a common issue. Corporate credit risk holds critical significance in the domain of economic management, as it enables all enterprises within the industry to identify and assess the credit risk of their client enterprises, thereby mitigating losses incurred from customer defaults. Through evaluating the credit risk rating of client enterprises, all enterprises in the industry can cooperate with excellent-rated entities with full confidence or lower the initial deposit proportion to increase transaction volume; for enterprises rated as good, all industry peers should maintain a deposit ratio of approximately 30% for cooperation; for enterprises rated as failed, all industry peers must require a deposit ratio of over 50% to proceed with cooperation, so as to avert losses caused by customer defaults. 1. Data Collection: Collect relevant data of enterprises that have cooperated with the industry in the past year. 2. Algorithm Rules: (1) a1: Award 20 points if the registered capital is ≥ 100 million yuan, 10 points if it ranges from 0.1 to 100 million yuan, and 5 points for all other cases. (2) a2: Award 20 points for enterprises located in first-tier cities, 10 points for second-tier cities, and 5 points for other regions. (3) a3: Award 15 points if the number of employees is ≥ 100, 8 points if it is between 30 and 100, and 3 points for other cases. (4) a4: Award 15 points if the total number of intellectual property rights is ≥25, 8 points if it falls between 15 and 25, and 5 points for other cases. (5) a5: Award 20 points for national-level honors, 15 points for provincial-level honors, and 8 points for municipal-level honors. (6) a6: Deduct 10 points if the enterprise has ≥20 judicial lawsuits, deduct 5 points if it has 5 to 20 lawsuits, and award 5 points if it has fewer than 5 lawsuits. (7) a7: Assign a score ranging from 0 to 10 subjectively. (8) a8: Award 15 points if the enterprise’s credit rating is Grade A or B, 8 points if it is Grade M, and deduct 2 points if it is Grade C or D. (9) a9: Deduct 10 points if the enterprise has ≥3 defaults with all enterprises in the industry, deduct 5 points if it has 1 or 2 defaults, and award 15 points if it has 0 defaults. 3. Credit Risk Value Calculation: The corporate credit risk value A is calculated as A = (a1 + a2 + ... + a9) * k1, where k1 varies across different provinces. The k1 value for Jiangxi Province is 1.08. 4. Credit Risk Rating Assessment: Classify the enterprises into three tiers based on the value of A: Excellent (A ≥ 85), Good (65 ≤ A < 85), and Failed (A ≤ 65). This framework assists all enterprises in the industry in identifying and evaluating the credit risk of their client enterprises, thus preventing losses caused by customer defaults.
数据集概述
数据集名称
浙江省数据知识产权登记平台
数据集描述
浙江省数据知识产权登记平台是由浙江知识产权研究与服务中心推出的区块链数据知识产权登记系统。该系统支持数据知识产权登记、知识产权证书申请、原创作品登记确权、维权服务申请、维权证据出具、知识产权转让等场景。通过区块链技术，从登记、确权、维权、交易等多维度为创作者的知识产权提供保护。
关键功能
- 数据知识产权登记
- 知识产权证书申请
- 原创作品登记确权
- 维权服务申请
- 维权证据出具
- 知识产权转让
技术特点
- 区块链技术应用
- 多维度知识产权保护
