河北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 common practice to collect a 20-30% deposit before transactions, with the remaining balance paid after customers receive the full shipment. However, there are cases where customers delay paying the final balance for extended periods. Enterprise credit risk plays a critical role in economic management, as it helps all enterprises in the industry identify and assess the credit risk of their customer enterprises, thereby avoiding losses caused by customer defaults. By evaluating the credit risk level of customers, all enterprises in the industry can safely cooperate with enterprises rated as 'excellent', or even reduce the deposit proportion to promote transaction volume. For enterprises rated as 'good', all enterprises in the industry should maintain a deposit proportion of approximately 30% when cooperating. For enterprises rated as 'failed', all enterprises in the industry must require a deposit proportion of over 50% before cooperating, so as to avoid losses caused by customer defaults. 1. Data collection: Collect relevant data from enterprises that have cooperated in the past year. 2. Algorithm rules: (1) a1: 20 points if registered capital ≥ 100 million RMB, 10 points if 10 million ≤ registered capital < 100 million RMB, and 5 points for all other cases. (2) a2: 20 points if located in first-tier cities, 10 points if in second-tier cities, and 5 points for all other cases. (3) a3: 15 points if number of employees ≥ 100, 8 points if 30 ≤ number of employees < 100, and 3 points for all other cases. (4) a4: 15 points if total number of intellectual properties ≥25, 8 points if 15 ≤ total <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 enterprise has ≥20 judicial lawsuits, -5 points if 5 ≤ number of lawsuits <20, and 5 points if fewer than 5 lawsuits. (7) a7: Scored 0-10 subjectively. (8) a8: 15 points if the enterprise credit rating is Grade A or B, 8 points if Grade M, and -2 points if Grade C or D. (9) a9: -10 points if the enterprise has ≥3 defaults with all enterprises in the industry, -5 points if 1 or 2 defaults, and 15 points if 0 defaults. 3. Credit risk value calculation: The credit risk value A = (a1 + a2 + ... + a9) * k1, where k1 varies by province. The value of k1 for Zhejiang Province is 1.08. 4. Credit risk level evaluation: Enterprises are categorized into three levels based on A: 'excellent' (A ≥ 85), 'good' (65 ≤ A < 85), and 'failed' (A ≤ 65). This helps all enterprises in the industry identify and assess the credit risk of their customer enterprises, thereby avoiding losses caused by customer defaults.

搜集汇总

数据集介绍

特点

该数据集包含河北省区域内客户企业的信用风险评价数据，主要用于材料制造行业评估客户信用风险，避免交易损失。数据规模为13932条，每年更新，包含多个评估字段和详细的算法规则。