Four-in-One, Risk Control System means, public disclosure by the debtor, public supervision by the creditor, monitoring by professional rating agencies and blacklisting.
1.Terminals for Collecting the Debtor Information
A debtor is provided, according to the rating data map, with a terminal with which to generate standardized credit information, to meet all the requirements for information disclosure, and to submit its information to the auditing and rating systems.
Independent professional auditors carry out the real-time auditing of the debtor’s provision of information, before the online auditing system passes on its information, after professional cleansing, to the credit rating system, thereby raising the rating agency’s efficiency and reliability.
Digitalized rating starts from the standardization of data to the computation of the degree of deviation between debt service sources and wealth creation capability. Its core technology operates on a credit engineering-based rating matrix consisting of quantified indices of the solvency environment, wealth creation capability, debt service sources, and solvency. It applies a simulation forecasting. It can identify a debtor’s weakest link in its all credit relations through up to 100 million times of computations and comparative analyses. Based on those results, it will determine a debtor’s credit grade and its secure debt ceiling within a given period of time. The advantage of digitalized rating is, it replaces rating methodology that mainly adopts qualitative instead of quantitative methodology and lacks of inner logic with a methodology that builds quantitative logic according to the inner connection of risk-formation, which greatly increases the reliability of ratings. Mass production efficiency meets the needs of Internet finance.