，Our Values
，Our Mission
，Our Clients		 　 Our Clients
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Bank of China Credit Card Center of Headquarters
Authorization Decision Systems Project
CRF developed the first real-time authorization system in China by systematically conforming credit card authorization policy with strategy and rating processes. The project used advanced risk control and value optimization measures to better manage consumer credit.
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China Construction Bank Credit Card Center of Headquarters
Behavioral Analysis
CRF successfully developed the first Credit Card Behavioral Rating System in China for GDB. The system performs credit limit strategy, debt collection strategy, and offers real-time and batch management of credit limits and collection. This is the first fully Integrated Risk Management Service platform in the Chinese credit card industry.
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Guangdong Development Bank Credit Card Center
Behavioral Analysis Systems Project
CRF successfully developed the first Credit Card Behavioral Rating System in China for GDB. The system performs credit limit strategy, debt collection strategy, and offers real-time and batch management of credit limits and collection. This is the first fully Integrated Risk Management Service platform in the Chinese credit card industry.

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Credit Information Service Co., Ltd.
Integrated Data Quality Evaluation Project
This project allowed CRF first hand access to several million consumer credit profiles in Shanghai. Based on our experience, we have already developed thousands of attributes localized for domestic conditions ranging from micro-analysis to historical personal credit data. Additionally, we are the only firm which has received access to this local credit bureau data.
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The People¨s Bank of China
Credit Business Consultation Project
CRF has provided professional advisory services to The People¨s Bank of China on the subject of Establishment of a Nationwide Credit System. CRF also provided operational training for Credit Management Organizations at PBOC.
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Jinan City Commercial Bank
Enterprise Asset Allocation Management Project
Personal Asset Allocation Management Project
Personal Consumer Credit Rating Card Development and Implementation Project
CRF built international standard asset allocation management analysis results for JCCB to guide its credit strategy. Based on its newly automated systems, JCCB was able to dramatically upgrade its asset allocation management. This project improved JCCB¨s ability to rate personal consumption by using a combination of analytical methodology and comprehensive system support.
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Shenyin & Wanguo Securities Co., Ltd.
Capital Statistic Monitor and Analytical System
The Shenyin & Wanguo Statistic Information Management System (SIMS) was developed by CRF as an integrated business management platform for data collection, data processing and form statement. SIMS implementation improved efficiency of data management by using real-time data to achieve higher statistical quality company-wide.
SIMS also increased decision-making efficiency and ensured data security. SIMS uses C/S and B/S combination modules and runs on a Microsoft Operations System. The relative data base uses an SQL Server and a form statement supported by Microsoft Reporting Services. The system provides a packaged solution to data collection, data process, data analysis, form statement, and system management.
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China Securities Regulatory Commission (CSRC)
Account Settlement Financial Regulatory System
CRF developed the Account Settlement Financial Regulatory System in April, 2004 in response to CSRC¨s No.3 decree. The system delivers auditing, credit records, information exchange, and statistical analysis through separately monitoring modules for each management, reporting and process control. The system was developed specifically to solve problems related to account settlement capital speculation.

Securities Company Management Officers Data Base System
CRF developed the Securities Company Management Officer Data Base System for CSRC in response to its No.24 Decree. The purpose was to improve efficiency in processing Securities Firms¨ Management Officers Qualification Applications, which the CSRC uses to approve and issue credits to management of Securities Firms. The project has played an important role in increasing operational and management standards at Securities Firms and protecting the rights and interests of investors.

1 Merrill Lynch
Inner-Enterprise Auction System
CRF developed a JAVA version Inner-Enterprise Auction System, which helped Merrill Lynch to reduce costs related to inner enterprise material cycles. The system is used in New York, Tokyo and Hong Kong.
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