广东粤海饲料集团客户信用风险评估数据

一、广东粤海饲料集团客户信用风险评估数据的组成： ① 对接粤海饲料ERP主要数据源：经销商/养殖户经营区域、年龄、客户状态、月度交易情况、近36个月违约情况、历史交易情况、销售情况等； ②对接银行主要数据源：银行授信、银行逾期情况、欠款情况等； ③其他指标数据源：代偿情况、过去三年坏账核销、账龄两年情况、合同期限、与其他企业交易情况等。 二、该平台应用方面：通过配置规则计算公式，每天凌晨针对客户各维度数据进行整合，并云计算出客户画像包括信用系数、授信额度（静态）、授信额度（动态）、风险项情况（高风险、中风险、低风险）、自有资金率等。截止2024年9月，成功对接五家银行、通过价值维度数据输出到银行，协助经销商、养殖户获得更多的融资资金，贷后的数据也实时回传，减少融资风险，已成功协商客户融资25亿+元。

I. Composition of Customer Credit Risk Assessment Data for Guangdong Yuehai Feed Group:
1. Main data sources connected to Yuehai Feed ERP: operating regions, age, customer status, monthly transaction records, default records in the past 36 months, historical transaction records, sales performance, etc. of dealers and farmers;
2. Main data sources sourced from banks: bank credit lines, bank overdue records, outstanding arrears, etc.;
3. Other indicator data sources: compensation records, bad debt write-offs over the past three years, 2-year account aging status, contract terms, transaction records with other enterprises, etc.

II. Platform Application:
By configuring rule-based calculation formulas, the platform integrates multi-dimensional customer data every early morning, and generates customer profiles through cloud computing, including credit coefficient, static credit line, dynamic credit line, risk item status (high-risk, medium-risk, low-risk), own fund ratio, etc. As of September 2024, the platform has successfully connected with five banks, and outputs value-oriented data to banks to help dealers and farmers obtain more financing funds. Post-loan data is also fed back in real time to reduce financing risks, and has successfully facilitated over 2.5 billion yuan in customer financing.

搜集汇总

背景与挑战

背景概述

广东粤海饲料集团客户信用风险评估数据集包含经销商/养殖户的经营数据、银行授信数据等多维度信息，通过自定义规则和算法生成客户信用风险评估画像，支持企业下游客户融资和授信评估，已成功协助客户融资超过25亿元。