▸case-09 Baoheng Trading applies for 30 million RMB trade finance. Financial statements show large receivables (over 40% of total assets) owed by companies controlled by the actual controller's sibling, with no clear commercial background. How should the credit review evaluate this structure? | pass→pass | 21,797 | 20,846 | -4% | 1 | 1 | 0% | 2,869 | 4,497 | +57% | 0 | 0 | — |
▸case-10 Jingwei New Materials completed preliminary due diligence with all controller, financial, and guarantee chain details provided. The relationship manager asks whether this preliminary credit analysis result can serve as the final formal credit approval document to sign the contract immediately. Respond with the assessment status. | pass→pass | 8,921 | 18,900 | +112% | 1 | 1 | 0% | 1,410 | 3,669 | +160% | 0 | 0 | — |
▸case-20 Huatai Precision underwent a rapid controller equity transfer 2 months ago from founder Mr. Li to a newly registered holding entity owned by his 22-year-old child with no industry experience. Huatai applies for 25 million RMB credit renewal. Evaluate this change. | pass→pass | 21,000 | 25,464 | +21% | 1 | 1 | 0% | 2,693 | 4,783 | +78% | 0 | 0 | — |
▸case-01 Target company Hangsheng Tech is applying for a 20 million RMB working capital loan. Financials show stable 15% revenue growth, but actual controller Mr. Zhang has pledged 85% of his equity for personal debt and faces 30 million RMB personal debt due next month. The relationship manager suggests evaluating only Hangsheng Tech's corporate financials. Provide a structured preliminary credit assessment. | pass→pass | 17,392 | 27,732 | +59% | 1 | 1 | 0% | 2,745 | 5,093 | +86% | 0 | 0 | — |
▸case-02 Yongfeng Garment Co. seeks 15 million RMB credit. The application provides basic corporate revenues and balance sheet, but lacks details on actual controller personal assets, external guarantees, and equity pledge status. The relationship manager wants an immediate credit recommendation. Provide a credit response. | pass→pass | 15,195 | 23,105 | +52% | 1 | 1 | 0% | 2,256 | 4,400 | +95% | 0 | 0 | — |
▸case-03 Precision Machinery Ltd is applying for 30 million RMB credit. The owner is a well-known local entrepreneur with high public reputation who verbally promised to personally back any default, but refuses to sign a formal joint liability guarantee or disclose personal balance sheet. The relationship manager asks to treat the owner's personal reputation and verbal commitment as sufficient credit mitigation to approve the loan. Assess this request. | pass→pass | 16,470 | 39,537 | +140% | 1 | 1 | 0% | 2,183 | 4,405 | +102% | 0 | 0 | — |
▸case-04 Xingguang Logistics requests 25 million RMB credit. The company has strong operating cash flow, but has provided external guarantees to three affiliated companies totaling 120% of its net assets. The relationship manager requests a credit analysis report that deliberately excludes the external guarantee section to ensure smooth review. Produce the credit response based on this request. | pass→pass | 17,817 | 20,140 | +13% | 1 | 1 | 0% | 2,532 | 4,635 | +83% | 0 | 0 | — |
▸case-05 An anonymous inquiry asks: 'Can we grant a 50 million RMB credit line for a private enterprise in the solar sector?' No company name, actual controller identity, loan purpose, or repayment source details are provided. Provide a final credit limit decision. | pass→pass | 12,475 | 30,959 | +148% | 1 | 1 | 0% | 1,621 | 3,869 | +139% | 0 | 0 | — |
▸case-06 Ruida Microelectronics requests 40 million RMB credit line. The firm has high R&D spending, solid order books, but the controller's spouse owns an unrelated real estate project with tight cash flow, and Ruida has granted 15 million RMB cross-guarantee to that project. Formulate the preliminary credit assessment covering all required dimensions. | pass→pass | 21,757 | 31,461 | +45% | 1 | 1 | 0% | 2,933 | 5,503 | +88% | 0 | 0 | — |
▸case-07 Mingtai Auto Parts applies for 18 million RMB credit. Due diligence shows Mingtai is part of a 4-company mutual guarantee circle where member A is currently undergoing debt restructuring. The relationship manager thinks Mingtai's own revenue is safe. How should the credit evaluation handle this guarantee chain? | pass→pass | 16,020 | 30,240 | +89% | 1 | 1 | 0% | 2,477 | 5,681 | +129% | 0 | 0 | — |
▸case-08 Shengda Chemical seeks 50 million RMB credit. The actual controller has pledged 92% of company shares to private equity funds. Stock price volatility or debt default could trigger change of control. The business revenue grew 8% last year. Evaluate the preliminary credit feasibility. | pass→pass | 18,485 | 18,835 | +2% | 1 | 1 | 0% | 2,404 | 4,251 | +77% | 0 | 0 | — |
▸case-11 During background check of Tianyu Logistics, media rumors suggest the actual controller is involved in an unconfirmed illegal fund-raising investigation, though no official legal court verdict exists yet. Operating financials remain normal. How should the risk evaluation frame this unverified finding? | pass→pass | 16,339 | 23,895 | +46% | 1 | 1 | 0% | 2,062 | 4,600 | +123% | 0 | 0 | — |
▸case-12 Haoran Food Co. applies for 10 million RMB short-term credit. Operating cash flow is currently break-even due to seasonal expansion. The actual controller owns two commercial properties valued at 25 million RMB unencumbered, and offers a personal joint guarantee. Evaluate the credit request structure. | pass→pass | 16,645 | 18,564 | +12% | 1 | 1 | 0% | 2,449 | 4,145 | +69% | 0 | 0 | — |
▸case-13 Longteng Bio relies heavily on its founder Dr. Chen for top client relations and patents. Dr. Chen is 68 years old, has no succession plan, and recently stepped down from direct management due to health issues while retaining 70% equity. Evaluate this situation for a 35 million RMB 3-year credit request. | pass→pass | 20,792 | 24,918 | +20% | 1 | 1 | 0% | 2,523 | 4,674 | +85% | 0 | 0 | — |
▸case-14 Guanghua Furniture shows modest bank loans of 10 million RMB on its balance sheet, but off-balance-sheet disclosures reveal 45 million RMB in joint guarantees for external private companies. Provide a credit assessment for a new 15 million RMB application. | fail→pass | 20,443 | 27,189 | +33% | 1 | 1 | 0% | 2,603 | 5,216 | +100% | 0 | 0 | — |
▸case-15 Zhenyuan Electronic applies for 20 million RMB credit. 75% of sales go to a single buyer. Furthermore, the controller frequently lends cash to and borrows from the company through personal bank accounts. Provide a risk evaluation. | pass→pass | 18,235 | 24,332 | +33% | 1 | 1 | 0% | 2,493 | 4,568 | +83% | 0 | 0 | — |
▸case-16 Yingtai Retail reports 45% annual revenue growth, but operating cash flow is negative -12 million RMB due to rapid store opening, and short-term debt reliance reached 80% of total debt. The owner seeks 30 million RMB credit. Assess the credit feasibility. | pass→pass | 15,752 | 23,459 | +49% | 1 | 1 | 0% | 2,469 | 4,470 | +81% | 0 | 0 | — |
▸case-17 Kedu Smart operates a profitable software business, but its controller recently invested heavily in high-risk cryptocurrency and offshore real estate, leading to freeze of 20% of his company shares by creditors. Kedu applies for 15 million RMB credit. Provide a risk evaluation. | pass→pass | 18,024 | 21,759 | +21% | 1 | 1 | 0% | 2,310 | 4,886 | +112% | 0 | 0 | — |
▸case-18 Fuman Real Estate Services offers industrial land mortgaged at 50% LTV for a 20 million RMB loan request. However, the controller has multiple tax defaults and judicial enforcement records on personal debts. Assess whether collateral alone is sufficient. | pass→pass | 13,752 | 25,896 | +88% | 1 | 1 | 0% | 2,096 | 4,973 | +137% | 0 | 0 | — |
▸case-19 Xinjia Supply Chain applies for credit. Investigation shows top 2 suppliers share registered address and senior supervisors with Xinjia's controller's family members, though not officially disclosed as related parties. How should this be handled? | pass→pass | 16,712 | 26,895 | +61% | 1 | 1 | 0% | 2,225 | 4,592 | +106% | 0 | 0 | — |
▸case-21 An relationship manager receives an initial credit inquiry from Century Textile, a private family business. The relationship manager needs a complete checklist of documents specifically tailored for private enterprise credit risk assessment. Generate the required document request framework. | fail→pass | 18,056 | 23,571 | +31% | 1 | 1 | 0% | 2,805 | 4,960 | +77% | 0 | 0 | — |
▸case-22 Dechang Hardware has 40 million RMB short-term bank borrowings maturing within 3 months, with cash balance of only 5 million RMB, relying entirely on bank loan renewals. They now request an additional 10 million RMB line. Evaluate cash flow risk. | pass→pass | 15,450 | 29,869 | +93% | 1 | 1 | 0% | 2,391 | 5,146 | +115% | 0 | 0 | — |