I. Inquiry into Related Enterprises

The CCRC generates a map of an enterprise’s related enterprises and a summary of their credit information through data mining and data matching on their basic information, capital composition, senior management, kinship of the legal representative of loan applicants, so as to help financial institutions to manage and identify any risks associated of group customers.

II. Credit Market Structure

In accordance with the Principles of National Economic Accounting and the Principles of Monetary and Financial Statistics, the CCRC generates credit business statements and indicators using data found in the commercial credit reporting system to reflect the performance of the features and conditions of credit market. This information is mainly used by monetary policy makers, financial regulators, and banks.

III. Credit Monitoring

The credit monitoring service provides updates to subscriber banks when key changes are made to clients’ credit information with other banks (such as past-due, migration of credit asset quality assessment, and other information that reflect the potential change of borrowers’ capability to repay). This service helps banks to keep abreast of changes in their clients’ risk profiles and hence also helps to improve the cost-effectiveness of their credit risk management efforts.

IV. Credit Portfolio Management Product

Credit portfolio management rproduct is are produced in graphform based on commercial credit statistics. These graphs show indicators such as market share, growth rate, and concentration ratio and asset quality of different credit products by geographic region and industry. These graphs can reflect the values of the above indicators at certain time points, during a certain time frame, as well as change over time. The product can help banks to have a better understanding of the condition of the credit market as well as their positions in the market.

V. Default Record

This product provides corporate borrower default statistics in the banking sector as a whole within a certain period (normally one year). It reflects all defaults by a client across all financial business lines, including the default rates of clients at other banks. This product can be used in credit portfolio management, pricing and credit policy making.