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Assessment  Factor

Concrete     Factor

Character

It means enterprises’ quality and character, which has a direct influence on the aspiration of fulfilling contract or paying. According to the research of D&B, compared with some developed countries, quality has a more significant influence on Chinese enterprises. We generally carry out study and measurement according to enterprises’ historic payment records, quality of management, degree of management standardization, legal paying management and products’ quality.

Capital  Scale

Under other situations of same conditions, enterprises that have a larger scale enjoy a stronger capability of preventing risks. While, scale that associates most directly with commercial credit is capital scale. Net assets, working capital, sales revenue are common measurement index

Repaying Capability

As per the study of D&B, in the whole world, the main factor that causes a poor credit performance still lies in the absence of repaying capability. The cases of big enterprises that went bankruptcy due to the lack of repaying capability can be found everywhere. Risks of repaying capability include short-term risk and long-term risk. Analysis of enterprises’ financial status and management status is the basis of studying repaying capability.

Mortgage Collateral

It means stand-by guarantee of repaying debts provided by enterprises. Generally, it is necessary to appraise the mortgaged assets, and analyze warrantor’s credit to decide the value of mortgage collateral. Study of the aspect is a fine guarantee measure for enterprises’ commercial credit. Furthermore, collateral status provided by enterprises for the third party also needs to be taken into consideration.

Condition

As to the area of environment and condition, we consider influence of some system risks, such as some peculiar risks of country, region and industry on enterprises’ credit.