Policy Yes No 1

CRE officier already finished credit report but found out applicant has HQ score P5, CRE can change scoring several times to change the result.

• Yes

• No

The content of scoring can not only guiding the direction of credit evaluation, but also reduce the opinion difference between CRE and MKT.

• Yes

• No

According to CILC policy, if company A holds 25% of company B, company A and B are considered as related company.

• Yes

• No

Internal sales record can be trusted when the figure matches with the transaction in bank statement.

• Yes

• No

Revenue of applicant on Financial statement is high, CRE can approve this case even though GD doesn't understan manufacturing procedure.

• Yes

• No

Industry Limitation can help MKT and CRE understand the potential systematic risk and avoid possible delinquent.

• Yes

• No

Accountant of applicant shared that company only issue 10% invoice of their revnue. It is still important to evaluate applicant's VAT and financial Statement.

• Yes

• No

Applicant works in an industry that revenue between high season and low season has huge difference. Comparing sales trend via VAT can help to verify the real operation situation of applicant.

• Yes

• No

If 70% income of applicant is trading business and 30% income is manufacturing, GPM of this company usually higher than company with 100% manufacturing.

• Yes

• No

A well-structured company usually has clear internal report about revenue, AR AP and manufacturing figure.

• Yes

• No