What is the repayment rate of the loan on schedule? Thank you!

1. What is the repayment rate of the loan on schedule? Thank you!

Number of loans repaid on schedule/total number of loans. Through this ratio, we can analyze the borrower's credit status and reflect the quality of credit assets from the side.

Second, what does the credit score mean?

Credit score is the result of comprehensive review of systematic work and an important basis for judging whether you can borrow money.

Personal credit scoring refers to the quantitative analysis of consumers' personal credit information by credit evaluation agencies using credit scoring model, which is expressed in the form of scores.

1. Credit score is the score obtained by units and individuals through the credit evaluation management measures of the state or departments or enterprises.

2. Enterprises generally use scores to get grades. Credit rating is usually an index level based on the credit, quality, solvency and capital of the assessed object, that is, the possibility that credit rating agencies use established symbols to identify the future solvency and willingness of the subject and bonds.

3. what is the basic content of the five c evaluation method of customer credit status?

The so-called 5C evaluation method refers to a method that focuses on five aspects that affect credit. The first letter of English in these five aspects is C, so it is called 5C evaluation method. (personality), ability (ability), capital (cooperation), environment (circulation). Personality quality refers to the sexual orientation of customers. Enterprises must find ways to understand customers' past payment records and see whether they have a consistent practice of paying off debts in full and on time, and whether they have a good relationship with other suppliers, that is, whether customers are willing to do their best to repay loans. This moral factor is often regarded as the primary factor in evaluating customer credit. Capacity (Capabi force refers to the customer's ability to repay debts and its ratio to current liabilities. The more liquid assets customers have, the stronger their ability to convert cash payments. At the same time, we should also pay attention to the quality of customers' current assets to see if there will be a situation in which the quality will decline when there is too much inventory, which will affect their liquidity and ability to pay. Capital capital refers to the financial strength and status of customers, indicating the background of customers' possible repayment of debts. Collateral refers to assets that can be used as collateral when customers refuse to pay or are unable to pay. This is especially important for customers who don't know the details or whose credit status is controversial. Once the customer's money is not received, it can be offset by collateral. If these customers provide sufficient collateral, the customer's economic environment refers to the economic environment that may affect the customer's ability to pay. For example, in case of economic depression, what impact will it have on customers' payment, and how will customers react in this case. Through the analysis of the above five aspects, we can prepare for the final decision whether to provide commercial credit to customers.

Four, the loan repayment rate belongs to which content of customer credit evaluation?

The loan repayment rate belongs to the payment ability (repayment ability) of customer credit evaluation. According to relevant information, there are three main customer credit evaluation indicators, namely, payment rate (receivable amount), payment ability (repayment ability) and competing products in the same industry. First, the collection rate (receivable amount). The payment rate of A-level customers must reach 100%. If the payment rate is lower than 100%, the credit rating will be lowered accordingly. During the evaluation period, less than 5% was reduced to Grade C, and the ability to pay (repayment ability) was second. Some customers have a high repayment rate, but their credit rating must be lowered because of their limited ability to pay. If a customer owes a huge loan to other enterprises, although he does not owe a loan to his own enterprise, such a customer can only be identified as a Class C customer at most. Third, the situation of competing products in the same industry. Anyone who deals in competing products in the same industry (referring to competitors' products) or mainly deals in competing products in the same industry will naturally be downgraded to C level. The loan repayment rate belongs to the second category.