T/CQXY 001-2021 Chongqing Enterprise Credit Evaluation General Specification

Scope

Main Technical Content: This document specifies the terminology and definitions of enterprise credit evaluation standards, enterprise credit evaluation services, data sources, evaluation indicators, classification evaluation methods, and enterprise credit rating representations. I. Terminology and Definitions - Standardizes terms such as credit repair, supervised learning methods, credit evaluation, unsupervised learning methods, reinforcement learning methods, and credit risk events. II. Enterprise Credit Evaluation Services - Establishes the basic principles and evaluation procedures for enterprise credit evaluation services. III. Data Sources - Specifies the main content of data used for credit risk classification evaluation. IV. Evaluation Indicators 1. For comprehensive enterprise data, evaluation is conducted using integrated Logistic scoring models and three-dimensional credit scoring models based on Linear regression, refining indicators across five dimensions: basic business information, contractual performance, operational behavior information, regulatory and judicial affairs, and growth potential. The indicators must comply with GB/T 23794, as follows: a) Dimension 1: Basic business information, including investment information, enterprise operating years, enterprise scale, enterprise nature, modification information, and enterprise information (19 refined indicators). b) Dimension 2: Contractual performance, including financial credit records and financial information (15 refined indicators). c) Dimension 3: Operational behavior information, including tax payments, administrative licensing information, social insurance information, housing provident fund information, invoice information, operational payments, qualification information, commendation and reward information, certification information, and project information (19 refined indicators). d) Dimension 4: Regulatory and judicial information, including custom

Development Information

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