China Risk Finance

CRF Marketing Services

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CRF Decision Solutions

Our Services

·Scoring

·Strategy Development and Implementation

·Data Analysis

Our Products

·Credit Decision System

·Integrated Portfolio
Reporting

·Credit Attributes Data System

·Consumer Automated
Lending System

CRF Attributes

CRF attributes cover all the credit data collected in the Chinese credit reporting industry. The attributes are determined according to widely used 5C1S principles of consumer finance risk evaluation and value measurement. (Character refers to the consumer’s moral and behavioral type; Capacity refers to the consumer’s ability to repay debt; Capital refers to the debtor’s property reservation; Collateral refers to the liquidity level of a mortgage; Condition refers to the consumer’s living standard and life status; and Stability refers to the stability level of the consumer’s work and life).
CRF attributes include following categories:

The above attribute categories are processed according to credit card, mortgage loan, car loan and telecommunication usage, separately and collectively. Thousands of CRF attributes are constructed regarding each customer, to profile comprehensively the customer’s risk and value charter.