This report prepared by Huaxia D&B China is sent to answer your inquiry on:

Jiangyin Changxin Industrial Co., Ltd.

Prepared for   :   D&B Registration (Normal) - 1 year
Subscriber Key   :   927012669
Delivery Date   :   Sep 26,2013
Printed on   :   Sep 26,2013

Inquiry Date   :   Sep 17,2013
Inquiry Subject   :   江阴市常新配件工业有限公司
Inquiry Address   :   华士镇华西村(陆桥田由工业园区 - , 214425
Inquiry Phone/Fax   :   (P)0510-86069209 (F)0510-86069858
Inquiry Reference   :   CUSTSR

Copyright © 2011-2015 Shanghai Huaxia Dun & Bradstreet Business Information Consulting Co., Limited

 

Jiangyin Changxin Industrial Co., Ltd.

Report compiled Sep 26,2013
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IDENTIFICATION & SUMMARY

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Identification

Company Name Jiangyin Changxin Industrial Co., Ltd.
Official English Name Yes
Chinese Name 江阴市常新配件工业有限公司
DUNS® Number 54-795-2817
Address No. 108 Hualu Rd., Huatu Town,
Jiangyin
Jiangsu
Postal Code 214420
Address (Chinese) 华士镇华陆路108号
江阴市
江苏省
Telephone 0510 86069273
0510 86069209
Facsimile 0510 86069858
0510 86069372
E-mail 1163174793@qq.com
Type of Business A limited company
Year Started 2000
History Clear (Complete Shareholder(s) and management information)
Exports Yes
Employees 1,000 (Here)
Principal Jianlong XU / Chairman & General Manager
US SIC Code 3714 0000
Primary Business Motor vehicle parts and accessories
 
 

Risk Summary

   
 
RISK EVALUATION
   
  EMMA Score 4  
  D&B Rating 3AA2  
  D&B PAYDEX® N/A  
  China Delinquency Score Risk Class 5  
 
LEGAL EVENTS
   
  Litigation Records 0  
 
PRINCIPAL INFORMATION
   
  Principal(s) 1  
 
PAYMENT INFORMATION
   
  Trade References 1  
 
COMPANY KEY EVENTS
   
  History Changes 1  
  Media Records 0  
 
FINANCIAL SUMMARY
   
  Registered Capital RMB 52,800,000  
 
 
Click on summary items for full details
 
 
 
CURRENCY
All monetary amounts quoted in this report are shown in Renminbi(RMB) unless otherwise stated.
 
REMARK
"-" stands for "Insufficient information" or "No comments".
 
 
   

Risk Assessment


  EMMA Score 4  
  Relative Risk  
 
 Below Average Risk
 
   
  1 10  
 
  D&B Rating 3AA2  
  Financial Strength 3AA (Registered Capital 8,500,000 - 84,999,999)  
  Composite Appraisal2 Good 

  China Delinquency Score 309  
 
  Likelihood this company will not pay on time over the next 12 months  
 
 
Delinquency Class: 5 
 
   
  1 5  
 

Subject's CDS score is 309, indicating the company is within the class of 5 in CDS distribution, which is within High level of delinquent risk range.

The likelihood of the company group to be delinquent in next 12 month is 52.2%, which belongs to High level delinquency risk group. Meanwhile, the theoretical probability of sever delinquency by subject company is referenced as 62.84%, indicating that the base line for initial credit granting could be based on group level delinquency, but should go through comprehensive overview of subject's credit worthiness before final decision.


Company Overview

Subject's mainly engaged in production and sales of auto parts. It was established in 2000. Currently, subject owns around 1,000 staff.

Current Investigation


On Sep 26,2013 , Ms. Cui(Tel: 1822671****) declined financial information but confirmed partially operational and historical data in this report. Other information from a third party source and last investigation.

The information in this report is collected and validated through telephone interview with subject, review of public web sites of the business and acquisition of data that is publicly available by the Chinese Government.

History Changes

Date   Event
  Capital changed
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RISK ANALYSIS

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EMMA Score


10 


EMMA Score Analysis

Subject's EMMA score is mainly impacted by the following risk drivers:

  • Subject is a limited company, which is classified as a lower risk type of business.
  • Subject's history is Clear (Complete Shareholder(s) and management information), which indicates a lower risk level.
  • Subject/Industry PAYDEX® shows payment behaviour of the company/industry is good, indicating lower risk.
  • EMMA Score
    4


    By evaluating all risk factors, the company is assigned with EMMA score of "4", indicating "Below Average Risk".


    Industry Norm Grouping
           
      Industry Group SIC 3714  
      Industry Group Description Motor vehicle parts and accessories  
      Industry Group EMMA Score Quartile Values
    Lower Quartile 4
    Median 5
    Upper Quartile 6
     

    Company Risk Vs Industry Norm Chart
    EMMA Score
    Lower Quartile
    Median
    Upper Quartile
      0 1 2 3 4 5 6 7 8 9 10
    EMMA Score
    Jiangyin Changxin Industrial Co., Ltd. Industry
    Distribution of EMMA Score in Huaxia D&B China's Database
    40%
    35%
    30%
    25%
    20%
    15%
    10%
    5%
    0%
      1 2 3 4 5 6 7 8 9 10
     
    Score Distribution
    1 1%
    2 6%
    3 13%
    4 19%
    5 21%
    6 19%
    7 14%
    8 5%
    9 1%
    10 1%

    Note: please refer to the report appendix for the principle and major factors of Huaxia D&B China EMMA Score.

     

    Risk Assessment Matrix
    PAYDEX Risk Range
    Low
    (EMMA 1 - 3)
    Medium
    (EMMA 4 - 7)
    High
    (EMMA 8 - 10)
    PAYDEX>=80 AA BA CA
    80>PAYDEX>=60 AB BB (Subject lies in this group) CB
    PAYDEX<60 AC BC CC

     

    Interpretation and Analysis of Risk Assessment Matrix
    Classifications Risk Level Description Credit Policy
    Quality group AA->AB Business is sound, and the bills are paid promptly with good credit reputation. Favorable credit policy can be granted with automatic approval.
    Medium risk group BA->BB->AC Business is operated under medium risk, and some delay payment behaviors exist. Appropriate credit policy is suggested with some manual review.
    High risk group CA->BC->CB Business is operated under high risk, and some severe delay payment behaviors exist. Relatively strict credit policy is suggested with detailed manual review.
    Monitoring group CC Business is run under high risk or with high possibility of windup, and the bills are unable to be paid in time. Avoid credit sales. Cash settlement is suggested.
    *Risk levels are listed in order of risk from low to high.

     

    According to the Risk Assessment Matrix, subject is rated as "BB", which represents the subject belongs to the medium risk group:

  • The risk level of the subject is medium, which reveals its business risk is at the average level amid all Chinese enterprises;
  • The PAYDEX® of subject/industry indicates that some delay payment behavior exists. However, the time and amount of the delay is relatively acceptable, thus its delay payment behavior is not severe;
  • On the whole, Subject's business is operated at the average level and its business risk is also at the average level. And the subject/industry has some short-term delay payment behaviors. The subject is classified in the medium risk group. The appropriate credit policy should be granted, following a necessary manual review of the subject based on its capacity, internal policy and risk tolerance.
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    THIRD PARTIES REFERENCES

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    D&B PAYDEX®


    The D&B PAYDEX® is a unique indicator of payment performance weighted by the monetary value of the payment experiences as reported to D&B by trade references. A detailed explaination of how to read and interpret PAYDEX values can be found in the Appendices section of this report.


      PAYDEX of This Business UN
         
      PAYDEX of This Business      UN
         
      It requests at least three trade experiences to generate a PAYDEX. PAYDEX is not computable with the current payment information of the company.
         
     
      PAYDEX of This Industry
    75
     
     
     
     
       
      0 100  
     
      When weighted by value,payments to suppliers average 8 days beyond terms based on payments collected over the last 24 months
     
      Industry Name:Motor vehicle parts and accessories
      Industry Median:75
      Upper/Lower Quartile:80/61
      Based on:1554 businesses
         
     
    D&B PAYDEX® Key
    High risk of late payment(average 30 to 120 days beyond terms) Medium risk of late payment(average 30 days or less beyond terms) Low risk of late payment(average prompt to 30+ days sooner)

    Trade Payment Information


    Trade Payment Experiences Summary
    Value Bands - Now Owes
    RMB
    No. of Exp Sum of Now Owes
    RMB
    Within
    Terms
    1-30
    Days
    31-60
    Days
    61-90
    Days
    91+
    Days
    >10,000,000 0 0 0% 0% 0% 0% 0%
    1,000,000 - 9,999,999 0 0 0% 0% 0% 0% 0%
    500,000 - 999,999 0 0 0% 0% 0% 0% 0%
    100,000 - 499,999 0 0 0% 0% 0% 0% 0%
    50,000 - 99,999 0 0 0% 0% 0% 0% 0%
    <50,000 1 750 0% 0% 0% 0% 100%
    TOTAL 1 750 0% 0% 0% 0% 100%

     

    Note: Above Trade Payment Experiences Summary is derived by analysis trade payment experiences details within 24 months.



    Trade Payment Experiences Details

    (Amounts may be rounded to the nearest figure in prescribed ranges)

    Date Paying Record High Credit Now Owes Past Due Selling Terms Last Sale
    May 15,2012 Slow 150+ 750 750 750 Net --
     

    Note: The above payment record reflects how accounts are paid in relation to the terms granted. Slow-30, for example, indicates a 30 day term where 30 additional days are taken. In some instance, payment beyond terms can be the result of disputes over merchandise, lost invoices, etc

    Industry Payment Information


    According to the statistics collected by Huaxia D&B during the recent 12 months (2012.4-2013.3), the timely payment rate of automobile and parts industry grew stably. The timely payment rate increased to about 65% from 55% in the 12 months.

    In terms of the payment records and performances, the timely payment rate and the overdue during the recent 12 months was 61.57% and 27.10% respectively. Compared with the 53.81% and 35.31% of the last statistics (2012.1-2012.12), it had a certain improvement. The average overdue term reached 14 days, 3 days shorter than that of the last statistics, indicating that the payment performance turned better. In terms of the payment amount and the overdue period, about 18.30% of the total value was delayed, 4.83 percents lower than that of the last statistics. Among the delayed ones, the overdue period of 1-30 days had the largest proportion (7.93%).

    According to the information disclosed by the Statistics Bureau, the output of automobiles has boosted by 13.5% year-on-year. At the same time, the sales income of the companies in the industry has increased by 12.36%, indicating that the automobile and parts industry is gradually getting out from the downturn. The improvement of the payment performances of the industry was likely to result from the growth of sales.

    Supplier Reference

    Suppliers of subject were unavailable during current investigation, so no supplier comment was obtained.

    Customer Reference

    Customers of subject were unavailable during current investigation, so no customer comment was obtained.
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    HISTORY

    Summarise
     
       

    PRINCIPALS

    Summarise
     
       

    Principal(s)

    Jianlong XU - Chairman & General Manager/Legal Representative
    徐 建龙

    Started with Subject 2000
    Activity Status Yes
    Area of Responsibility Overall management
    Related Working Experience 5 Year+
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    OPERATIONS

    Summarise  
       

    Supply Capacity & Operation Nature

    Subject's mainly engaged in production and sales of auto parts.


    US SIC Code 3714 0000 Motor vehicle parts and accessories

    Licenses

    Subject is entitled to independent import and export rights.



    Purchasing

    Purchase Territory

    Area Percent Region/Country
    Domestic 100%  

    Purchasing Terms

    Terms   Percent
    Credit 1-30 days -
    Agreement/Contract basis - -

    Purchasing Settlement Method

    Settlement Method Percent
    T/T  
    Check  

    Selling

    Sales Territory

    Area Percent Region/Country
    Domestic 60%  
    Overseas 40% Thailand
    South Korea
    United States  

    Selling Terms

    Terms   Percent
    Credit 1-30 days -
    Agreement/Contract basis - -
    L/C (Sight) - -

    Selling Settlement Method

    Settlement Method Percent
    T/T  
    L/C  
    Check  

    Employees

    Employee Size


    Type Number
    Here 1,000
    The above are approximate staff numbers.

    Major Functional Departments

    Department(s)
    Office Finance Dept.
    Business Dept. Production Dept.
    others  

    Operations Summary

    Subject's mainly engaged in production and sales of auto parts. Subject is entitled to I/E Rights. Subject's products 60% are sold in domestic market and 40% are exported.export country/region mainly include Thailand, South Korea and United States. Its selling settlement methods include T/T, L/C and Check. 100% of subject's purchasing is conducted in domestic market. Purchasing settlement methods are usually based on T/T, Check.

    Location

    Principal Place of Business

    Location Description An industrial area
    Land Area 150,000 sqm
    Used as Office and factory
    Occupation Type Rents
    Premises Condition Normal

    Other Place of Business

    Type REGISTERED ADDRESS
    Address (No.108,Hualu Rd.) Industrial Jizhong Dist.Huashi Town,Jiangyin
       

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    CORPORATE STRUCTURE

    Summarise
     
       

    Linkage Down

    Subsidiary (subject owns more than 50%)
    Address Duns
    Jiangyin Jinlei Valve Mouth Co.,Ltd. No.219, Chenglu Road, Huashi Town,Wuxi ,Jiangsu,China 52-752-8637
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    FINANCE & BANKING

    Summarise
     
       
    Financial Comments
     
    • Subject's financial statement is not disclosed.
     

    Banking

     

    During this current investigation, the bank information of subject is not available.

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    INDUSTRY HIGHLIGHTS

    Summarise  
     
       

    Industry Highlights


    Date Apr19,2013
    Source Statistics Authorities
    Detail As of the end of 2012, the number of enterprises in Chinese automotive manufacturing industry has reached 10,569, with 1,373 loss-suffering enterprises and the industry loss rate of 12.99%. The total sales income of the industry reached RMB 5,053.16 billion and the total profit was RMB 406.53 billion.
    In terms of market situation, the performance of automotive industry was at the beginning of the year and then experienced a downturn. The total production and sales volumes of automotives in 2012 reached 19,271,800 and vehicles respectively, with the respective year-on-year growth of 4.63% and 4.33%. The aforesaid two growth rates had experienced the growth of 3.79% and 1.88% respectively. The sales number of passenger vehicles was 15,495,200 (a year-on-year incr of 7.07%) and that of commercial vehicles was 3,811,200 (a year-on-year decrease of 5.49%).
    In terms of import and export, the import scale of automotives was continuously enlarged and the export volume hit a new high again. However, the growth rates of both import and export were slowed down. In 2012, the total automotive import and export amounts were 1,132,300 and 1,015, with the respective year-on-year growth of 9.00% and 19.48% (the two growth rates experienced the year-on-year decrease of 18.69% and 30.55% respectively).
    In terms of industrial investment, along with the gradual advance of R&D and production of new-energy vehicles, the industrial investment continued to increase rapidly. In 2012, the fixed asset investment in the automotive industry accu to RMB 80.04 billion, with the year-on-year increase of 32.8%.
    It is estimated that in 2013, with stabilization and recovery of macro economy, the growth in automotive industry is expected to rise continuously and the sales situation is likely to be better than that of 2012 as well.

    Litigation Records

    As of Sep 26,2013 , HDBC has searched the China Court website, website of local court in the place where subject is located, major domestic courts websites as well as our internal China court database, but no related court records can be found against the subject.

    Remark: The above mentioned channels are currently publicly available ones to search for the court records against China enterprises. However, due to lack of a centralized database in mainland China that covers all Chinese enterprises' litigation records, partial cases against subject might not be available.

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    APPENDICES

    Summarise  
       

    HDBC EMMA Score

    D&B EMMA Score (Emerging Market Mediation Alert Score) is a risk assessment model developed for emerging market countries. It is a score developed by data profiling approach and statistical modeling, which predicts the possibility of a business in perilous status of instability or unreliability, such as poor financials, delay payment, stale inventory, abnormal operational status, etc. The EMMA Score provides you with a quick assessment of a business' risk standing, and when used together with other information, allows you to make better risk decisions.

    The EMMA Score is based on a scale of 1 to 10, where 1 represents a lower risk and 10 a higher risk.

    EMMA Score for China is initially rolled out in May 2009, derived from the sample analysis of millions of company records. When using the Score to make individual applicant decisions, a customized version of this table based on an analysis of the Score against your customer account portfolio is recommended. It does not necessarily mean doing business with a company, which is assigned with higher Risk Score, will result in increased risk.

    Considering the particularity of Chinese business environment and in order to make EMMA Score analyze and reflect risk factors of Chinese enterprises more appropriately, HDBC conducted an optimization and adjustment toward EMMA Score in the first half of 2012, combined PAYDEX® to appraisal model as an important risk evaluating dimension and will try harder to deeply reflect the internal factors of enterprise risk. The optimized EMMA Score makes the scores more scientifically and effectively reflect the risk characteristics of current China as an emerging market and more objectively and deeply reflect risk level of Chinese enterprises.

    EMMA Score for China is calibrated on regular basis following D&B Global Modeling Methodology that captures business environmental change in China caused by macro economy shift and particular systematic events.

     

    HDBC EMMA Score Commentary
    Risk Range EMMA Score % of Report in Database   % of High Risk Business   Commentary  
    Low Risk Scores 1-3 28.9%   5.7%   Lower Risk Range  
    Medium Risk Scores 4-7 56.7%   9.1%   Average Risk Range  
    High Risk Scores 8-10 14.4%   36.4%   High Risk Range  


    The Key Drivers of the EMMA Score include the following:

    Business Information

    • Business Type
    • Line of Business
    • Employee Size
    • Sales Territory
    • Registered Capital
    • Year of Establishment
    • History Status
    • Property Ownership

    Geographical Information

    • Region & Province

    Public Record

    • Number of Negative Record

    Payment Information

    • Percentage of Overdue Payment
    • Company/Industry PAYDEX®
    EMMA Score Application
    • Low EMMA Score - May proceed to process the applicant quickly with minimal or no manual review depending on the extent of score validation analysis.
    • Medium EMMA Score - Medium Risk Scores - Recommend a manual review of the applicant based on the applicant's capacity, your internal policy and risk tolerance.
    • High EMMA Score - High Risk Scores - Requires thorough manual review of potential decline, or approval depending on the applicant's capacity, your internal policy and risk tolerance.

    Sample Data Analysis of Risk Assessment Matrix Database


    Risk Matrix Sample Distribution
    PAYDEX Risk Range
    Low Medium High
    PAYDEX>=80 13.6% 12.6% 0.5%
    80>PAYDEX>=60 15.2% 28.7% 1.7%
    PAYDEX<60 0.1% 15.4% 12.2%

    Possibility of High Risk Enterprise
    PAYDEX Risk Range
    Low Medium High
    PAYDEX>=80 5.8% 8.4% 9.1%
    80>PAYDEX>=60 5.6% 8.4% 14.5%
    PAYDEX<60 5.6% 11.1% 40.4%

    Interpretation and Analysis of Risk Assessment Matrix
    Classifications Risk Level Description Credit Policy
    Quality group AA->AB Business is sound, and the bills are paid promptly with good credit reputation. Favorable credit policy can be granted with automatic approval.
    Medium risk group BA->BB->AC Business is operated under medium risk, and some delay payment behaviors exist. Appropriate credit policy is suggested with some manual review.
    High risk group CA->BC->CB Business is operated under high risk, and some severe delay payment behaviors exist. Relatively strict credit policy is suggested with detailed manual review.
    Monitoring group CC Business is run under high risk or with high possibility of windup, and the bills are unable to be paid in time. Avoid credit sales. Cash settlement is suggested.

    *Risk levels are listed in order of risk from low to high.

    Risk Assessment Matrix is the tool for investigating the insight of subject combined with EMMA Score and PAYDEX®. EMMA Score can indicate the risk level of subject. With the help of  PAYDEX®, one can also further analysis subject's risk and find out the internal factors causing risks based on the payment records of subject. In summary, the assessment matrix can make further insightful analysis towards the enterprises with similar EMMA Scores.

    When using EMMA Score and Risk Assessment Matrix, the combination of other information, such as internal assessment policy of enterprise, commercial information provided by HDBC, and feedback from the people who directly contacts with subject, etc., is recommended. With these information, it will allow you to be more convenient to make risk decisions.

    D&B Rating

    D&B Rating Interpretation Tables


      Financial Strength   Composite Credit Appraisal
    Tangible Net worth Registered Capital Renminbi (RMB) Strong Good Fair Limited Undetermined
    5A 5AA > 450,000,000 1 2 3 4 -
    4A 4AA 85,000,000 - 449,000,000 1 2 3 4 -
    3A 3AA 8,500,000 - 84,999,999 1 2 3 4 -
    2A 2AA 6,500,000 - 8,499,999 1 2 3 4 -
    1A 1AA 4,500,000 - 6,499,999 1 2 3 4 -
    A AA 2,500,000 - 4,499,999 1 2 3 4 -
    B BB 1,750,000 - 2,499,999 1 2 3 4 -
    C CC 1,000,000 - 1,749,999 1 2 3 4 -
    D DD 650,000 - 999,999 1 2 3 4 -
    E EE 450,000 - 649,999 1 2 3 4 -
    F FF 300,000 - 449,999 1 2 3 4 -
    G GG 200,000 - 299,999 1 2 3 4 -
    H HH < 200,000 1 2 3 4 -
      Alternate Ratings   Explanation               
    N Financial Strength is negative     3 4 -
    O Financial Strength is undisclosed 1 2 3 4 -
    NB New Business: Less than 24 months 1 2 3 4 -
    NQ Out of Business: Business has ceased to trade 4  
    BR Branch or division location
    INV Investigation is undergoing

    Explanation of PAYDEX

    A score of 80 denotes that payments reported to D&B have generally been made within terms. Scores over 80 indicate that payments reported to D&B have been made earlier than terms. The chart below outlines the specific 0-100 score and what it means.

     

    D&B PAYDEX®   Payment Habit
    100   Anticipate
    90   Discount
    80   Prompt
    70   15 days beyond terms
    60   22 days beyond terms
    50   30 days beyond terms
    40   60 days beyond terms
    30   90 days beyond terms
    20   120 days beyond terms
    0-19   Over 120 days beyond terms
    UN   Unavailable

    Explanation of China Delinquency Score

    HDBC's China Delinquency Score predicts the likelihood that a company will pay its bills in a severely delinquent manner based on the information in HDBC's files. A severely delinquent business is defined as a business with less than 75% of its trade experiences paid in a satisfactory manner (prompt or within 30 days) and at least 10% of its payments 90 days or more past due or one or more events classified as leading to failure, such as meeting of creditors, administrator appointment, bankruptcy, receiver appointed, litigation records within 2 years and negative media information within 1 year.

    The China Delinquency Scoring System uses statistical probabilities to classify public and private companies into three risk classifications of Business Delinquency: a 279-641 Score, 1-5 Credit Classes and 1-100 Percentile Ranking. These classifications are based on the chance of a business experiencing the above definition of "bad" over the next 12-months period. The China Delinquency Scoring model utilizes the combined power of HDBC's vast information database including Payment, Demographic, Financial, and other information, when and if available.

    China Delinquency Score is calculated through logistic regression using below 16 risk drivers:

    Demographic Information
    • Business Type
    • Years in Business
    • Line of Business (SIC)
    • Region & Province
    • History Status
    • Existence of Court Record

    Financial Information

    • Age and existence of B/S
    • Current Ratio
    • Liabilities to Net Worth
    • Return on Assets
    • Current Assets
    Payment Information
    • Number of Payment Experiences
    • Payment Term
    • Percent of Satisfactory Payment Experiences
    • Percent of Medium Delinquent Payment Experiences
    • Percent of Severe Delinquent Payment Experiences

     

    The China Delinquency Score assigns the following measurements of risk:

    A “Score” of 279–641, where a 279 represents businesses that have the highest probability of severe delinquency, and a 641 which represents businesses with the lowest probability of severe delinquency. This score provides a direct relationship between the score and the level of risk. The marginal odds of being good doubles for each 40 point increase. For example, a business that scores a 340, on a marginal basis, is half as risky as a business that’s cores a 300. This score enables a customer to utilize more granular cutoffs to drive their automated decision-making process.

    A “Class” of 1–5, which is a segmentation of the scoreable universe into five distinct risk groups where a one (1) represents businesses that have the lowest probability of severe delinquency, and a five (5) represents businesses with the highest probability of severe delinquency. This Class enables a customer to quickly segment their new and existing accounts into various risk segments to determine appropriate marketing or credit policies.

    Risk Quintile in 5 Class
    Class MinScore MaxScore % of Population Actual BadRate(% of Accounts) Predicted BadRate(% of Accounts) Cum. Pct. Bads(% of Accounts)
    5 279 380 10% 52.6% 52.2% 48%
    4 381 480 20% 13.1% 13.4% 72%
    3 481 523 40% 5.7% 5.6% 93%
    2 524 556 20% 3.0% 3.1% 99%
    1 557 641 10% 1.6% 1.5% 100%
    Delinquency Level by 5% Quantile
    Quintile MinScore MaxScore % of Population Actual BadRate(% of Accounts) Predicted BadRate(% of Accounts) Cum. Pct. Bads(% of Accounts)
    20 279 333 5% 61% 60% 28%
    19 334 380 5% 44% 44% 48%
    18 381 435 5% 21% 22% 58%
    17 436 457 5% 13% 14% 64%
    16 458 474 5% 10% 10% 68%
    15 475 480 5% 8% 8% 72%
    14 481 483 5% 8% 7% 75%
    13 484 487 5% 7% 7% 79%
    12 488 495 5% 7% 7% 82%
    11 496 501 5% 6% 6% 85%
    10 502 509 5% 5% 5% 87%
    9 510 516 5% 4% 5% 89%
    8 517 520 5% 4% 4% 91%
    7 521 523 5% 5% 4% 93%
    6 524 532 5% 4% 4% 95%
    5 533 539 5% 3% 3% 96%
    4 540 546 5% 3% 3% 97%
    3 547 556 5% 3% 3% 99%
    2 557 584 5% 2% 2% 99%
    1 585 641 5% 1% 1% 100%

    Customer Service


    Customer Service Contact Information
    Web www.huaxiadnb.com
    Email enquiry@huaxiadnb.com
    Telephone 400-820-3536 (Shanghai)
    400-810-3531 (Beijing)
    800-830-9032 (Guangzhou)
     
    Our ref: 201309179309300163

    Your ref: CUSTSR
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    Remarks

    Whilst Huaxia D&B China attempts to ensure that the information provided is accurate and complete by reason of the immense quantity of detailed matter dealt within compiling the information and the fact that some of the data are supplied from sources not controlled by Huaxia D&B China which cannot always be verified, including information provided direct from the subject of enquiry as well as the possibility of negligence and mistake, HDBC does not guarantee the correctness or the effective delivery of the information and will not be held responsible for any errors or omissions therein.


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