Izikweletu Zobumbano

Ukuqala kwebhizinisi nezinsizakalo zokuvikela impahla.

Thola Ukuhlanganiswa

Izikweletu Zobumbano

Lapho umnikazi webhizinisi eqonda ukuthi kubaluleke kangakanani ukusungula nokugcina Iphrofayili Yezikweletu Zobumbano, lapho-ke kubalulekile ukuqonda ukuthi ukusebenza kwaleli phrofayela kukalwe futhi kwafakwa kanjani yizikhungo ezihlukile zokubika. Lokhu kubalulekile ukuze umnikazi webhizinisi athole izindlela zokwenza ngcono iphrofayili yenhlangano yakhe futhi ngaleyo ndlela udumo lwayo nempumelelo. Yize iningi lalezi zinhlangano kanye nezinhlangano zilandela imibiko efanayo futhi ziqoqa imihlahlandlela, zonke zinendlela eyingqayizivele, yokuphathelene edinga ukucatshangelwa.

I-Dun & Bradstreet (D & B ™)

I-D & B ™ ine-database enkulu yamaphrofayili wesikweletu ezigidini zezinkampani- mhlawumbe iyinhlangano ebhekiselwa kakhulu enhlanganweni uma kufikwa ekufuneni izilinganiso zezikweletu zebhizinisi. I-D&B isebenzisa indlela eqondile yokulinganisa la mabhizinisi afaka uhlelo lokumaka lwamakhompiyutha wokuphathelene nokubaluleka kokuthenga ngesikweletu, kanye nohulumeni, kanye nohlelo lukahulumeni lwamazwe lonke olubizwa nge- “DUNS” (Idatha Universal Inombolo Yesistimu) okuluhlelo ihluke kakhulu, futhi isebenza kahle, indlela yokuhlukanisa inkampani. Uhlelo lwe-Paydex luhlanganisa umlando wokukhokha, kanye namakhono akhokhwayo wokukhokha kabusha manje manje ukuze anikeze amaphuzu ayisisekelo wokubala. Ngaphezu kwesikolo se-Paydex, i-D&B futhi isebenzisa uhlelo olulula kakhulu lwe-1 ku-4 uhlelo lokulinganisa isikweletu. Uhlu olungezansi yisilinganiso sePaydex:

UmphumelaInkokhelo
100Lindela
90Discount
80Phuthuma
70Yehlisa i-15
50Yehlisa i-30
40Yehlisa i-60
30Yehlisa i-90
20Yehlisa i-120
UNAyitholakali


Standard & Poors

Ama-Standard & Poor's, abizwa nangokuthi "S&P" izinkampani ezikala esikalini kusuka ku-AAA kuya ku-D, nge "NR" yezinkampani ezintsha kakhulu noma ezingakanelwanga. Kukhona izilinganiso phakathi kwebanga ngalinye lezinhlamvu elisho isikhundla phakathi kwalelo banga. Ngaphezu kwalokho, izikhathi eziningi i-S&P izophinda inikeze umbono noma isitatimende esinolwazi esaziwa yibo ngokuthi "iwashi lesikweletu" esisho ukuthi ngabe kukhona ushintsho oluzayo esilinganisweni. Iwashi lesikweletu lingasho ukukhushulwa okungenzeka, ukwehlisa noma ukubikezela ukungaqiniseki okuthile. Isilinganiso sazo simi ngale ndlela elandelayo:

UmphumelaIsilinganiso
AAAIsilinganiso esihle kakhulu - lokhu kusho izinkampani ezizinzile kakhulu, ezinokwethenjelwa.
AAIsilinganiso esihle kakhulu - lokhu kusho izinkampani ezithembekile ezinobungozi obuncane ukwedlula i-AAA
AIsilinganiso esihle - ukuma kwezimali kungathinteka ezomnotho noma emakethe.
BBBIsilinganiso esanelisayo. - Ukuma ngokwezezimali kungathinteka emnothweni noma emakethe
BBIsilinganiso esingaphansi kwesilinganiso esenelisayo - ukuthambekela kokuma ngokwezezimali okuthinteka emnothweni
BKuncane Kancane kunokugculiseka - ukuma kwezezimali kungazinzanga
CCCIsengozini yemvelo yezimali - ayizimisele
CCIba semngceleni omkhulu ngokwezezimali - kuncike kakhulu esimweni esihle somnotho - Ukuqagela okulindelekile
CUkuqagela Kakhulu - Kungaba sesimweni sokukhokha ngemuva kwesikweletu esithile, noma ngisho nokuqothuka
CINgemuva kwezinkokhelo zenzalo
REkuqothulweni nasezandleni ze-Regulatory ejensi ngenxa yokuma kwezezimali
SDKukhethwe Ngokuzenzakalelayo kwimalimboleko ethile noma isikweletu
DKufakwe ku-othomathikhi kwizibopho eziningi futhi i-S&P ibeka le phrofayili izosetshenziselwa iningi noma zonke izibopho
NRAkulinganiswanga


I-Equifax

I-Equifax ihlinzeka ngeBanga Lobungozi Bokukweletwa Kwebhizinisi Elincane elihlose ukubikezela ubuqili kuma-akhawunti wezezimali, futhi lenzelwe imboni yezinsizakalo zezezimali. Le nombolo inezinombolo, phakathi kwe-101 ne-992, enamaki aphansi abonisa ubungozi obukhulu bokukhohlisa. Kanye nekhodi yezinombolo, i-Equifax idedela “amakhodi wezizathu” amane akhombisa ukukhombisa ukuthi yiziphi izici ezithinte kakhulu isikolo. I-Equifax futhi isebenzisa uhlelo oluhlukile lwe- “Commerce Score” oluhlukanisa “ukuhweba” kwesinye isikweletu (ukuqashisa, njll.), Ngokususelwa kusisekelo sokuthi abanikazi bebhizinisi kungenzeka bahlangane nezakhiwo, ukuqashisa, noma imigqa yasebhange yezibopho zesikweletu ngaphezulu izibopho ezihlobene nokuhweba. Lezi izikolo zizama ukubikezela uhlobo lwama-akhawuntri okungenzeka ukuthi afakwa kuwo ngokuzenzakalelayo.

Isikolo Solwazi Lwezikweletu

UmphumelaRisk
0-9Ubungozi Obuphansi Kakhulu
10-20Ingozi Yesilinganiso
21-30Ngaphezulu Kwengozi Yesilinganiso
31-40Risk High
41-69Ingozi Ephakeme Kakhulu
70Imininingwane iye yabikwa ku-Equifax eqhamuka Ehhovisi Lenkantolo Yase Bankruptcy

Score Information Score kuboniswa Kusetshenziswa Ishadi Landelayo:

Iminyaka isebenza e-Equifax database0-11.1-22.1-44.1-99.1 +
Umphumela108640
Inkomba Yamanje Yokukhokha51 +41-5131-4021-300-20
Umphumela107540
Inani lezinkomba zokukhokha ezinsukwini zokugcina ze-900-12-34-67-1011 +
Umphumela108530
Index Yenkokhelo yokugcina yekota edlule ikota efanayo ngonyaka odlule (umehluko ngamaphuzu)41 +21 + 4011 + 206-100-5
Umphumela108640
Inani lezinto ezidelelayo eminyakeni eyi-2 edlule10 +8-95-72-40-1
Umphumela108530
Yayisanda kangakanani into edangalisa ukwedelela (ezinyangeni)1-23-45-67-1212 +
Umphumela108640
Inani lezinto ezidelelayo njenge-% yamadola akweletwa abahlinzeki100%51-99%11-50%1-10%0%
Umphumela108520

Inkomba Yezinkokhelo

% yeDatabase
065Bonke abathengisi bezentengiselwano babika ukukhokha kungakapheli imigomo
1-108Izikhathi ezimaphakathi zokukhokha zingaphezu kwemigomo
11-206Isilinganiso sezinsuku okufanele zikhokhwe yi-10 kuya ezinsukwini ezingama-20 ezingaphezu kwemigomo
21-305Isilinganiso sezinsuku okufanele zikhokhwe yi-20 kuya ezinsukwini ezingama-30 ezingaphezu kwemigomo
31-406Isilinganiso sezinsuku okufanele zikhokhwe yi-30 kuya ezinsukwini ezingama-40 ezingaphezu kwemigomo
41-905I-5% yebhizinisi kuphela e-Equifax ewela kuleli banga
91-1003Bonke abathengisi bezentengiselwano babika kakhulu ngokudlule noma okuzenzakalelayo
NANAAkunabaphakeli bezentengiselwano ababikiwe ku-Equifax


I-ClientChecker

I-ClientChecker iyazibiza ngokuthi “i-freelancer's credit Bureau,” futhi incike emibikweni yabasebenzisi be-software yayo ye-invovois ukuze inikeze isilinganiso sebhizinisi ebhizinisini noma enhlanganweni. Le nombolo ichaza ukuthi inkampani le ikalwe ngokwezimali, futhi yaziwa ngokuthi uphawu lwePayQuo. Le nombolo ihambisana ne- “Aggregate Business Credit Report” efaka inani lokungakhokhi okubikiwe kanye nenani eliphakathi lokukhokha sekwedlule ezinsukwini.

I-PayQuo Score ikhishwa ngokuya ngethebula elilandelayo:

UmphumelaIsilinganiso
90Kukhokhelwe Kwangoko noma Ngokwemigomo
80Ukukhokhelwa kwe-10 noma imigomo yangaphambilini yezinsuku ezimbalwa
70Izinsuku ezikhokhelwayo ze-20 noma imigomo embalwa edlule
60Izinsuku ezikhokhelwayo ze-30 noma imigomo embalwa edlule
50Izinsuku ezikhokhelwayo ze-60 noma imigomo embalwa edlule
40Izinsuku ezikhokhelwayo ze-90 noma imigomo embalwa edlule
30Izinsuku ezikhokhelwayo ze-120 noma imigomo embalwa edlule
20Ukukhokhelwa kwe-120 noma imigomo edlule eyedlule, noma bekubhaliwe

Ishadi lisetshenziselwa ukuthatha isilinganiso ukuze kuhlolwe amaphuzu.


I-Experian

I-Studan ingenye ye-mega-3 bureaus yesikweletu (kanye ne-Equifax neTransunion), futhi futhi isebenzisa izilinganiso ezithile zeProfayili Yezikweletu Ezihlinzekiwe ukuze inikeze izikolo ezikweletini namabhizinisi izinkampani izilinganiso zokufaneleka. Isipiliyoni sithembela kuzinhlelo ezimbalwa. Olunye uhlelo lwe-Intelliscore oluklanyelwe ukubikezela ukuqeda okukhokhayo ngaphezulu kwezinsuku ze-90. Isetshenziselwa amabhizinisi wanoma yiluphi usayizi, i-IntelliscoreSMIsistimu inika umaki wobungozi osuka ku-0 uye ku-100, nezikolo eziphakeme kakhulu ezibonisa ubungozi obuncane.

Enye indlela esetshenziswa yi-Experian uhlelo lwe-Vantage Score. Lolu hlelo kuhloswe ngalo ukukala inkambu yokudlala, uma kungathiwa, ukuze umehluko ezilinganisweni zezilinganiso phakathi kwama-ejenti wokulinganisa ahlukile uwumphumela wamapharamitha ahlukile, hhayi nje izikolo ezihlukile zezinkinga ezikweletwayo ezifanayo. Lezi zikolo ziqondaniswe ngokungaguquki kuyo yonke inkampani ebika isikweletu ukwenza amabanga ukusuka ku-501-990 elihambelana nohlobo lwesikole lwesikole olulula (futhi cishe oluzwisiswa yizwe lonke) A, B, C, D, noF.

Amabanga ahla kanjena:

UmphumelaIsilinganiso
901-990A
801 - 900B
701 - 800C
601 - 700D
501 - 600F

Kukhona, ezinye izinhlangano eziningi zokubika izikweletu nezinhlangano eziningi, yize sifingqe izinhlangano ezaziwa kakhulu.


I-BusinessCreditUSA ™

Le nhlangano iyingxenye encane ye-InfoUSA ™, futhi ilungiselelwe ukuhlinzeka ngombiko wesikweletu olula, ongabizi, kodwa ofundisayo. Ikhipha umbiko oqukethe izinto ezinjengamagama wezikhulu noma abaphathi benkampani, imininingwane yabo yokuxhumana, izinkomba, inombolo yokuhlunga kwe-UCC, kanye nohlelo lokulinganisa olulula oluyishadi le- “A ngokusebenzisa C”, elineshadi Isilinganiso se- “U” se- “akwaziwa.” Siqoqa ulwazi oluningi kusuka kubanikazi bebhizinisi uqobo, kodwa luqinisekisa lolu lwazi ngokuzimela.

Leli yishadi lezilinganiso zeBusCCUSUSA:

A+95 +
A+90-94
B+85 - 89
B80-84
C+75-79
C70-74
UUnknown


I-FactualData ™

I-FactualData (eyake yaziwa ngokuthi yi-FDInsight) inikezela ngendawo yokubika eyingqayizivele yababolekisi abangahle noma ababambisene nabo kwebhizinisi ngokunikela ngokukhetha okufana nemenyu yesethenjwa noma izinkundla zokucinga Besebenzisa uhlelo lwabo oluhlukile lokuqoqa idatha, bangabheka, izinkomba zebhange, isifinyezo sezezimali zebhizinisi, kanye namarekhodi omphakathi obugebengu. Inkampani yokubika yesibili ngobukhulu emkhakheni wezezindlu obambiso / wezindlu nomhlaba, basebenzisa ingalo enamandla yokucwaninga eqoqa futhi iqinisekise imininingwane enikeziwe.


Kukhona, ezinye izinhlangano eziningi zokubika izikweletu nezinhlangano eziningi, yize sifingqe izinhlangano ezaziwa kakhulu.