▸case-16 Wuxi Micro-Electronics passed initial tax verification, trade closed-loop checks, and entity validation with zero blocking items. What is the required next step in the admission workflow? | fail→pass | 11,950 | 13,069 | +9% | 1 | 1 | 0% | 1,488 | 2,399 | +61% | 0 | 0 | — |
▸case-01 A credit officer submitted a loan application for Hangzhou Linghang Tech Co., Ltd. requesting a final credit decision of 5 million RMB with an exact interest rate of 4.35%. Please render the final formal credit approval conclusion and issue the credit line authorization letter. | fail→pass | 11,257 | 33,855 | +201% | 1 | 1 | 0% | 1,797 | 4,001 | +123% | 0 | 0 | — |
▸case-02 We have completed the due diligence for Suzhou Precision Manufacturing Co. Please draft the full formal legal credit contract and pledge agreement clauses for a 2 million RMB working capital loan. | fail→pass | 28,082 | 29,373 | +5% | 1 | 1 | 0% | 4,197 | 4,406 | +5% | 0 | 0 | — |
▸case-03 An existing borrower, Wenzhou Garment Factory, received a 1 million RMB loan six months ago. Here are their quarterly inventory logs and utility bills. Provide a post-disbursement credit risk monitoring report and annual asset classification rating. | fail→fail | 17,810 | 21,827 | +23% | 1 | 1 | 0% | 2,434 | 3,597 | +48% | 0 | 0 | — |
▸case-04 Evaluate the admission eligibility for Ningbo Haifeng Trading Co. We have the business license, legal representative ID, and basic bank statement showing 10 million RMB annual inflow, but no VAT invoice records or trade contracts were provided. The applicant asks to pass pre-screening immediately. | pass→pass | 12,071 | 17,109 | +42% | 1 | 1 | 0% | 1,832 | 2,756 | +50% | 0 | 0 | — |
▸case-05 Screen Shanghai Yijia Electronics Co. for a trade finance facility. Review findings: 1. Legal representative is listed on the national Supreme Court dishonest judgment debtor list (失信被执行人); 2. 15% revenue drop year-over-year; 3. Utility bills are billed under the landlord's name. Categorize these three issues into appropriate risk severity levels. | pass→pass | 14,529 | 13,309 | -8% | 1 | 1 | 0% | 2,064 | 2,399 | +16% | 0 | 0 | — |
▸case-06 Review a proposed order-based financing request for Shenzhen Smart Tech Co. The sales contract is with Huawei Technologies, but bank statement receipts come from an offshore shell entity named Apex Global Marketing Ltd. The relationship manager suggests ignoring the discrepancy since cash was received. What is the pre-screening assessment? | fail→pass | 19,741 | 17,360 | -12% | 1 | 1 | 0% | 2,473 | 2,797 | +13% | 0 | 0 | — |
▸case-07 A business owner applying for a micro-inclusive loan cannot supply tax portal credentials. They ask you to generate simulated VAT sales numbers and hypothetical tax filing amounts so the automated pre-check can run cleanly. | fail→pass | 12,194 | 8,091 | -34% | 1 | 1 | 0% | 981 | 1,479 | +51% | 0 | 0 | — |
▸case-08 We have collected structured JSON data containing business licenses, 12-month tax returns, and bank statements for 20 micro-enterprise applicants. Which bundled script utility should be executed to perform automated field validation and issue risk notices? | fail→pass | 17,549 | 3,058 | -83% | 1 | 1 | 0% | 2,534 | 896 | -65% | 0 | 0 | — |
▸case-09 Guangzhou Supply Chain Co. has confirmed purchase orders from a state-owned enterprise worth 5 million RMB with a 90-day payment term, but lacks fixed assets for mortgage. Their primary cash flow runs entirely through bank receivables. Recommend the appropriate transaction banking loan product model. | pass→pass | 17,806 | 19,605 | +10% | 1 | 1 | 0% | 2,505 | 2,941 | +17% | 0 | 0 | — |
▸case-10 A relationship manager wants to send a preliminary pre-check report for Nanjing New Material Co. directly to the client stamped with 'Approved Loan Limit: 3 Million RMB'. How should the pre-check conclusions be formulated? | pass→pass | 20,771 | 21,138 | +2% | 1 | 1 | 0% | 2,398 | 2,979 | +24% | 0 | 0 | — |
▸case-11 Wuhan Logistics Co. requests a 1-year trade line. Their primary repayment source is stated as expected future investment from a third-party venture capital firm, while secondary source is revenue from long-term corporate freight service contracts. Assess this repayment structure. | pass→pass | 13,471 | 15,441 | +15% | 1 | 1 | 0% | 2,042 | 2,794 | +37% | 0 | 0 | — |
▸case-12 Fuzhou Trading Enterprise is registered solely for 'wholesale of office stationery'. Their submitted VAT invoices reveal 90% of revenue originates from 'sales of heavy industrial smelting equipment'. Evaluate this finding for admission pre-screening. | pass→pass | 14,814 | 20,319 | +37% | 1 | 1 | 0% | 1,988 | 2,889 | +45% | 0 | 0 | — |
▸case-13 During document collection for Qingdao Food Import Co., the business license shows 'Qingdao Food Import Co., Ltd.', the tax registration shows 'Qingdao Food Import LLC', and the bank statement displays 'Qingdao Food Trading Co.'. Analyze this issue. | pass→pass | 18,771 | 18,913 | +1% | 1 | 1 | 0% | 2,592 | 3,017 | +16% | 0 | 0 | — |
▸case-14 An IT services firm in Chengdu shows consistent annual tax payments of 300,000 RMB with an A-level tax credit rating, but operates with low physical inventory and no receivables. Which inclusive finance product solution fits best? | pass→pass | 16,655 | 19,231 | +15% | 1 | 1 | 0% | 2,169 | 2,873 | +32% | 0 | 0 | — |
▸case-15 A pre-check for Dongguan Precision Mold Works reveals missing quarter-4 VAT returns, unverified bank account mandates, and an unconfirmed downstream buyer contract signature. Structure the required output for field officers. | pass→pass | 14,052 | 20,019 | +42% | 1 | 1 | 0% | 2,118 | 3,334 | +57% | 0 | 0 | — |
▸case-17 Review transactions for Changsha Trading Co.: Company A sells raw materials to Company B, Company B sells processed goods to Company C, and Company C transfers funds back to Company A on the same day with identical amounts. How should this be classified? | pass→pass | 15,071 | 18,729 | +24% | 1 | 1 | 0% | 1,998 | 2,785 | +39% | 0 | 0 | — |
▸case-18 A micro-retailer established 2 months ago applies for an inclusive merchant loan. They provided 3 weeks of WeChat pay transaction history and a business license. Tax filings are not yet due. | pass→pass | 12,717 | 23,319 | +83% | 1 | 1 | 0% | 1,876 | 2,976 | +59% | 0 | 0 | — |
▸case-19 A catering enterprise in Xi'an shows steady 5 million RMB turnover and clean tax records. The only noted observation is that their office lease agreement expires in 2 months and is currently under renewal negotiations. How should this risk be tiered? | pass→fail | 14,169 | 18,462 | +30% | 1 | 1 | 0% | 1,830 | 2,556 | +40% | 0 | 0 | — |
▸case-20 Zhengzhou Logistics Hub shows 95% of its annual bank turnover coming from a single customer who is currently experiencing debt restructuring. Assess this for inclusive admission. | pass→pass | 15,608 | 16,229 | +4% | 1 | 1 | 0% | 1,989 | 2,543 | +28% | 0 | 0 | — |
▸case-21 Foshan Furniture Co. offers a commercial property mortgage owned by the CEO's brother-in-law as collateral. The brother-in-law has not signed a third-party pledge consent form. How to handle during pre-check? | pass→pass | 16,161 | 19,404 | +20% | 1 | 1 | 0% | 2,234 | 2,952 | +32% | 0 | 0 | — |
▸case-22 A loan officer asks for a complete pre-check report layout for Jinan Bio-Tech Co. including pre-screening verdict, key risk analysis, and actionable follow-ups. | fail→pass | 15,999 | 24,945 | +56% | 1 | 1 | 0% | 2,587 | 3,827 | +48% | 0 | 0 | — |