T/SSCMA 001-2023 The risk assessment system for small and micro enterprise supply chain finance on community financial cloud platform requires

Scope

Scope: This document stipulates the general principles, management requirements, evaluation objects, evaluation requirements, and continuous improvement of the risk assessment system for small and micro enterprises on the community financial cloud platform. This document is applicable to the construction and services of the risk assessment system for small and micro enterprises on the community financial cloud platform; Main technical content: 7.1 The evaluation of operational risks shall comply with the requirements of Table 1. Table 1: Evaluation of Operational Risks Serial No. Item Main Indicators Score Weight Assignments 1 Financial Risk Debt repayment ability Current ratio, quick ratio 100 2 Liability ability Liability ratio, net asset ratio, return on net assets 100 3 Profitability Sales profit margin, return on assets, return on net assets 100 4 Investment Risk Operating rate, debt service income ratio, break-even occupancy rate 100 5 Asset Management Accounts receivable turnover rate, inventory turnover rate, fixed asset turnover rate, asset turnover rate 100 6 Internal Risk Production and management Contracts for purchase and sale, safety production, quality control, technology, personnel 80 7 Operational Management Leadership decision-making, strategic positioning, business plan, organization, control 80 8 External Risk Policy Reform of the economic system, industry, finance, taxation, environmental protection policies 60 9 Social Risk Urban planning, regional development 50 10 Market Supply and Demand Changes in supply and demand, financing, and the national economic situation 80 11 Natural Risks Fire, storm, flood, earthquake, snowstorm, temperature 60 12 Technical Equipment and Materials Changes and updates in technical equipment and materials, engineering and technological innovations, shortages in productivity factors, information risks

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