識別客戶信用風險

1、璇嗗埆瀹埛淇$敤椋庨櫓璇嗗埆瀹埛淇$敤椋庨櫓鍦兒垜浠 瘡鏈堜婦鍔炵兢鈥滃叏紼嬩俊鐢丨鐞嗘d寮忊？濋珮綰x爺淇彮涓娩紝浼佷笟瀹朵滑闄壬簡鍏沖績淇$敤綆$悊鐨勫師鐞嗗拰鍒跺害涔嬪 錛屾洿涓哄叧蹇冨叿浣撶兢鎶？鏈柟妗堛？傜绔熷摢浜涚鐞嗘妧鏈帾鏂藉 寮哄寲瀹埛璧勪俊綆$悊鑳戒駭鐢熻緝涓烘樉钁楃兢浣滅敤鍛？SPANIang=EN-US?目嬮潰鍒椾婦涓？浜屻？ ?SPAN Iang=EN-US絎竴欏規(guī)槸璧勪俊璋冩煡鎶？鏈?傚浜庨噸瑕佸鎴峰拰椋庨櫓杈冮珮鐨勫鎴鳳紝浼佷笟搴斿綋閲囧彇璧勪俊璋冩煡鐨勬墜孌點？備笓欏硅祫淇。皟鏌卡紒涓氬彲浠二湪鍐呴儴緇勤粐榪涜錛屼篃鍙 互濮旀墭涓撲笟璧勪俊璋冩煡鏈烘瀯榪涜銆備紒涓

2、氬紑灞疊祫淇。皟鏌二伐浣滐紝棣栧厛瑕佷緷璧栦簬鑷 韓寤虹珛璧風兢鈥滃鎴瘋祫淇C暟鎹簱鈥濄？備負姝袒紝鎴戜滑璁捐 浜?SPAN Ian g=EN-US91 柟闈兢淇C伅鍒嗙被鏍囧曖鏉二緩绔嬫 暟鎹 簱錛屽嵆錛氣憼瀹埛姒傚喌錛涒憽鍘嗗彶鑳屾櫙錛涒憿緇勤粐綆$悊 錛涒懀緇忚愉鐘跺喌錛涒懁璐姟鐘跺喌錛涒勲鍐呴儴璇勪環(huán)錛涒慟瀹怡湴鑰 冨療錛涒慷淇$敤璁板綍錛涒懆琛屼笟鍒嗘瀽銆 ？SPAN Iang=EN-US濮旀墭涓撲笟璧勪俊璋冩煡鏈烘瀯鎖愪緵鏍囧曖鐨勮祫淇C姤鍛婁篃鏄叏闈 簡瑙e 鎴風兢涓？涓湁鏁塚柟娉囉紝灝叾鏄浜庢柊瀹埛鏉日錛岃繘琛屼竴嬈笓闂丨兢璧勪俊璋冩煡鏄潪甯稿繀瑕佺兢銆傛湁鐨勪紒涓氳交瑙嗗瀹埛

3、鐨勮祫淇。皟鏌二伐浣滐紝瀹佽偗鑺卞嚑鍗冨厓璇峰鎴峰悆涓？欏塊豐錛屼篃涓嶈偗鑺卞嚑鐧懼厓鍋氫竴嬈。祫淇。皟鏌乃紝鍏剁粨 灞?寰?寰?鏄嚜椋熻鏈棤褰掔兢鎭舵灉銆?SPAN Iang=EN-US絎 簩欏規(guī)槸淇$敤鍒嗘瀽鎶？鏈？傛牴鎹垜鍥戒紒涓氱兢瀹為檯鎯呭喌錛屾垜浠 ？葷粨鎖愬嚭浜嗕袱涓瀹埛淇$敤榪涜璇勪及杈秫負瀹炵敤鐨勬柟娉囉紝榪欝簺鏂規(guī)硶涔熸槸鍥藉浼佷笟閫氬父閲囩敤鐨勩？ ?SPANIan g=EN-US1錛庣粡楠屽垎鏋愭柟娉曘？傝繖鏄竴縐嶇畝渚挎槗浜庢帉鎖$兢鏂規(guī)硶錛岄？傜敤浜疼竴鑸笟鍔漢鍛樺湪瀹為檯宸卡綔涓簲鐢紝鍏跺熀鏈師鐞嗘槸浠？SPAN Iang=EN-US6目熀鏈柟闈瀹埛鐘跺喌浣滃嚭緇

4、忛 撇鎬x兢璇勪環(huán)錛屽嵆鍙鍏朵俊鐢口闄+搴八綔鍑哄元鑷寸兢鍒柇銆傝繖6涓 柟闈槸錛氣憼瀹埛鑳屾櫙鐘跺喌錛涒憽瀹埛綆$悊姘村鉤 錛涒憿瀹埛緇忚愉鐘跺喌錛涒懀瀹埛鍋垮 ？鴻兘鍔涳紱鈶鎴蜂俊鐢?SPAN Iang=EN-US浠樻）璁板綍錛涒勲瀹埛琛屼笟鐘跺喌銆傛寜緇忛撇 鍒嗘瀽鏂規(guī)硶錛屽彲灝嗗鎴峰垎涓?SPAN Iang=EN-US銆?SPAN Iang=EN-USB百?SPAN Ian g=EN-US銆?SPAN Ian g=EN-US鍥涗釜椋庨櫓絳夌駭 銆?SPAN Ian g=EN-US2錛庣壒寰佸垎鏋愭d鍨嬫柟娉曘？傜壒寰佸垎鏋愭d鍨嬫槸鐩 墠鍦厶浗澶 栦紒涓氫俊鐢丨鐞嗕腑搴旂敤杈秫負鏅亶鐨

5、勪竴縐嶆柊鐨勪俊鐢厶垎鏋愬伐鍏楓？傝妯瀷鐨勪富瑕佺敤閫斿氨鏄瀹埛鐨勮祫淇$妍鍐典綔鍑虹患錫塚？x兢璇勪及錛屽茍浠二畾閲懺寲鐨勬柟寮懺瀹埛鐨勪俊鐢丨瓑綰T綔鍑鴻瘎瀹氥？傜畝鍗曟澈璇達紝璇二d鍨嬪氨鏄粠瀹埛鐨勤 縐嶇壒寰佷腑閫夋嫨瀵逛俊鐢厶垎鏋愭剰涔夋渶澶C ?佺洿鎺卡笌瀹埛淇$敤鐘跺 喌鐩歌仈緋葷兢鑻二共鍥犵礌緙栦負鍑犵粍錛屽垎鍒榪欝簺鍥犵礌璇勫垎騫剁患錫蝸垎鏋愶紝鏈？錫庡緱鍒頒竴涓緝涓哄叏闈兢鍒嗘瀽緇撴灉銆?SPAN Ian g=EN-US璇二d鍨嬩竴鍏變嬌鐢?SPAN Iang=EN-US緇勬寚鏍囥？傜涓？緇勬槸瀹埛鑷韓鐗瑰緛錛屽寘鎷？SPAN Iang=EN-US欏規(guī)寚鏍困細琛口潰鍗拌薄銆

6、 佺粍緇囩 鐞嗐?佷駭鍝佷笌甯傚満銆佸競鍦虹珵浜夋? c ?佺粡钀m妍鍐點 ?佸彂灞曞墠鏅紱絎 簩緇勬槸瀹埛浼樺厛鎬x壒寰侊紝涓昏鎸囦紒涓氬湪鎸戦？夂 鎴鋒椂闇？瑕佷紭鍏堣？冭檻鐨勫洜绱狂紝鍖呮嫭6欏規(guī)寚鏍困細浜槗鍒+鼎鐜囥？佸浜y搧鐨勮姹傘?佸甯傚満錫稿紩鍔涚兢褰卞搷銆佸甯傚満绔炰簤鍔涚兢褰卞搷銆佹媴淇濇潯浠躲 ？佸彲鏇夸唬鎬b紱 絎 笁緇勬槸淇$敤鍙婅儲鍔$壒寰侊紝涓昏鎸囪兘澶熺洿鎺二弽鏄犲鎴蜂俊鐢丨妍鍐靛拰璐姟鐘跺喌鐨勫洜绱狂紝鍖呮嫭6欏規(guī)寚鏍困細浠樻璁板綍銆侀摱琛屼俊鐢b ?佽幏鍒+兘鍔涖？佽祫浜u礋鍊鴻璇勪及銆佸伩鍊 鴻兘鍔涖？佽祫鏈?婚銆?SPAN Ian g=EN-US璇二d鍨嬬

7、兢鍒嗘瀽璁$畻杈秫負綆 ？鎹鳳紝鍒？SPAN Iang=EN-US4目 鑱氾細(1)鏍規(guī)嵁棰勫厛鍒惰鐨勮瘎鍒嗘爣鍑嗭紝鍦?SPAN Iang=EN-US1锝?SPAN Ian g=EN-US1鑼冨洿鍐呭 涓婅堪錫勯鎸囨爣璇勫垎銆傚鎴鋒煇欏規(guī)寚鏍囨儏鍐佃秺濂斤紝鍒嗘暟灝辮秺楂橈紝鍦兒病鏈夎祫鏂欝俊鎭兢鎯呭喌涓嬪垯緇？SPAN Iang=EN-US鍒嗭紱 鐢口 鍏堢粰姣忛鎸囨爣璁 懼畾鐨勬潈鏁頒箻浠?SPAN Iang=EN-US1錛岃綆楀嚭姣忛鎸囨爣鐨勬渶 澶u瘎鍒嗗？鹼紝鍐嶅曉榪欝簺鏈？澶口瘎鍒嗗？肩浉鍔狂紝寰楀埌鍏口儴鐨 勬渶澶y彲鑳藉？鹼紱(3)鐢兒瘡欏規(guī)寚鏍囩兢璇勫垎涔樹互璇鎸囨爣鐨勬

8、潈鏁幫紝寰楀嚭姣忛鐨勫姞鏉冭瘎鍒嗗 ？鹼紝鐒跺悗鐩稿姞寰楀埌鍏口儴鍔 狗潈璇勫垎鍊鹼紱(4)灝嗗叏閮厶姞鏉冭瘎鍒嗗？間笌鍏口儴鏈？澶丫彲鑳藉？ 肩浉姣旓紝寰楀嚭鐨勤櫨鍒嗘瘮鍗寵紺哄璇二 鎴風兢緇煎悎鍒嗘瀽緇撴灉錛岀櫨鍒嗘瘮瓚婇珮琛丨于璇二鎴風兢璧勪俊紼嬪害瓚婇珮錛岃秺鍏鋒湁浜槗浠峰？箋？ ?SPAN Iang=EN-US鎴戜滑灝嗙櫨鍒嗘瘮浠?SPAN Iang=EN-US鍒?SPAN Iang=EN-US10錛呭 垝鍒嗕負 6 涓 瓑綰 b 紝鍗?SPAN Iang=EN-USCA鍒？SPAN Iang=EN-USCA錛 屽垎鍒 紺哄 鎴瘋祫淇$妍鍐電搴i紝 CA1鏈?濂斤紝 CA6鏈 ?宸?

9、傚叿浣撳垎綰u鏄庤 涓嬭錛?SPAN Iang=EN-US妗堜緥錛氫笉瑕佷釈浠卡紒涓氳妯O瘎瀹氬鎴蜂俊鐢?SPAN Iang=EN-US妗塚儏浠嬬粛姹熻夕鏌愬叕鍙?SPAN Iang=EN-US浠卡笅綆？縐版睙瑗垮叕鍙?SPAN Ian g=EN-US)鏄 竴瀹朵腑絳夎 妯$兢鐜葷拑鍣丨毧鐢熶駭鍘傦紝 1997騫達 紝鍏徃鍐沖畾鍦以帿鏂璁劇珛鍔炰簨澶勬澈璺熻釜瀹氬崟璐巾鐨勫洖鏀訛紝錫屽勾8鏈堬紝鍑犵粡鍔姏璇二叕鍙哥兢浜y搧榪涘叆褰撳湴鏈？澶 x兢鏃m敤鐧捐揣瓚呭競鈥斺？ ?SPAN Iang=EN-USANGEL為攣鍟嗗満閿？鍞? ?SPAN Iang=EN-USANGEL嗗満鍦厶綋鍦版槸涓？

10、瀹惰秴澶y瀷緇煎悎榪 為攣鍟嗗満錛屽叕鍙歌 涓鴻鍟嗗満鑳藉鍙戝睍鍒板姝元鐨勮妯 紝鍏惰祫閲戝疄鍔涗笌淇。獕姣嬪焊璐丨枒錛岃偗瀹氫笉浼氭嫋嬈狗湰鍏徃鏁伴 涓嶅元鐨勮揣嬈俱？傚嚭浜庤繖縐嶈？冭檻錛屽叕鍙告妸娉兒剰鍔涙洿 澶氬湴鏀懼湪鍏朵粬灝懺鎴瘋韓涓娩紝鏀炬澗浜嗗ANGEL星嗗満鐨勪俊鐢丨洃鎺b紝蹇借浜嗗 璇二晢鍦虹兢淇C伅鎼滈泦宸卡綔銆 ？SPAN Ian g=EN-US姹熻夕鍏 徃鎸変唬閿？錫蝸悓姣忔湀涓 ？SPAN Iang=EN-USANGEL嗗満 緇撶畻涓？嬈紝欏哄埄錫堜綔鎸佺畫鍒 ?SPAN Iang=EN-US199騫?SPAN Ian g=EN-US3鏈堛？傚叾錫庯紝 ANGE鍟嗗

11、満鍊熷彝姹熻夕鍏徃鐨勪駭鍝佸湪甯傚満涓婂弽搴斾笉浣熾？佺日鍘嬪崄鍒嗕弗閲嶃？佽川閲忎笌錫蝸悓瑙勫 畾涓嶇絳夌悊鐢憋紝钃勬剰鎷栧歡銆佸皯緇撹揣嬈劇洿鑷沖共鑴嗕互璧勯噾 鍛以漿涓嶇伒涓虹敱瀹屽叏鎷掍粯銆備緘姹熻夕鍏徃浠嶆寔鍘熸湁璁/瘑錛岃涓烘嫋嬈犲彧鏄殏鏃剁兢錛屾湭瀵?SPAN Iang=EN-USANGEL嗗満鐨勫 叏闈俊鐢兒儏鍐佃繘琛岃緇嗙兢璋冩煡涓疼簡瑙c ?傚埌1999騫?SPANIan g=EN-US5鏈堬紝姹熻夕鍏 徃绱 踞?SPAN Ian g=EN-USANGEL嗗満鎷 栨瑺12涓囩編鍏冿紝璧勯噾鍛以漿鍥伴毦銆備負浜嗚蛋鍑哄洶澧冿紝鍏徃灝嗘妗蝸鎵樼粰涓滄柟淇濈悊涓績澶勤悊銆傛垜浠湪

12、鍙楁墭錫庨鍏蝸ANGEL星嗗満榪涜 浜嗚皟鏌刁紝鍙戠幇ANGE鍟嗗満璧勬湰緇撴瀯涓？熻捶姣斾緥榪囬珮錛岃祫閲戝懆杞凡鏋佷負鍥伴毦錛屽姞涔嬭妯?？囧紝綆$悊姘村鉤鏈兘錫屾 鎖愰珮錛屽 鑷撮攢鍞 笉鐣咃紝浠?SPANIan g=EN-US1998騫?SPAN Ian g=EN-US3鏈堣搗鍙兘渚濋潬鎷栨瑺鍘傚璐巾 鑻嫤緇存寔錛岀洰鍓嶅浜庣牬浜x兢杈圭紭錛屽茍涓斿彂鐜?SPANIan g=EN-USANGE鍟嗗満鐨勫元閮厶垎鐗+笟宸茬粡鎶墊娂緇欝簡褰撳湴閾惰 銆備笓涓氭満鏋勤珛鍗沖悜褰撳湴娉曢擾鎖愬嚭浜嗗 ？烘潈鐧昏錛屾渶緇蝸湪 1999 騫？SPAN Ian g=EN-US 鏈？SPAN Ian g=EN-USANGE星嗗満鐮翠駭鍊 掗棴鏃訛紝鏀跺洖5000緹庡厓鐨勮揣嬈俱？傚姞涓婂綋鍦版硶闄垂鐢紝姹熻夕鍏 徃鎹熷療鍏辮揪100涓囧厓浜烘皯甯併？ ？SPAN Ian g=EN-US鍒嗘瀽涓庡惎紺?SPAN Iang=EN-US浠疼互涓婃渚嬩笉闅劇湅鍑猴紝浼佷笟緇濅笉鑳藉崟鍑鎴風兢瑙勬d澶u ?屼綆浼板叾淇$敤椋庨櫓錛屾洿涓嶈兘鍥犱負瀹埛瑙勬d澶u?屾斁鏉懼 淇