CN103164753A - Customer transaction data management system - Google Patents

Abstract

A customer transaction data management system mainly comprises a server and a database, wherein at least one customer transaction data is recorded in the database. The server provides a plurality of modules, including: the basic data module, the credit investigation data module and the credit granting data module are respectively used for recording and displaying the basic data, the credit investigation data and the credit granting data of the client. The server further provides an early warning report module which provides a plurality of early warning items for the manager to select according to the operation condition of the client. And when one of the early warning items is selected, immediately informing related people to adjust the credit granting data of the client and proposing the audit again. The system can monitor the operation state of the client, so as to inform the manager to draw up the relevant corresponding method in real time and adjust the credit granting data of the client.

Description

Customer transaction data management system

technical field

The present invention relates to an online management system, and more particularly to a management system for managing customer transaction data.

Background technique

For general companies, especially those in the manufacturing industry, because the transaction amount of goods is relatively large, when customers place an order for goods, it is usually not a cash transaction on the spot, but by check, remittance or other methods.

Therefore, such companies usually review the credit line granted to customers based on their actual conditions, such as payment status and operating conditions. In this way, under the premise of not exceeding the credit line, the company can continue to ship to customers, and customers will not fail to pay for the goods.

However, there are often unexpected situations on the client side, such as changes in decision makers, layoffs or salary cuts, financial deterioration of related companies, and changes in the industrial environment. When the above-mentioned emergencies occur on the client side, the company needs to worry that the customer's payment status will be affected. Therefore, the general company often readjusts the originally approved credit line according to the unexpected situation of the customer, and proposes and conducts a review again. For example, the original approved credit line of customer A is 1 million yuan per year, but due to the poor management of customer A's subsidiary, customer A is suspected of being unable to pay the goods, so the credit line of customer A is reduced to 500,000 yuan per year Yuan. In this way, even if customer A really cannot pay for the goods in the future, the damage suffered by the company can still be reduced.

However, it is very troublesome to manage the data of many customers, and the occurrence and release time of each customer's emergency is not the same, and the adjustment and reply of the customer's credit line is an extremely complicated task. For the company's managers, if there is no good management system, it will be very difficult to maintain normal transactions with customers according to the above operating procedures, and it is quite easy to make mistakes in the management process.

Therefore, a comprehensive management system should be provided in the market, which can help managers manage customer transaction data, and can timely judge whether to deal with the customer's situation, formulate countermeasures, and adjust the credit limit or other data.

Contents of the invention

The main purpose of the present invention is to provide a customer transaction data management system, which records and displays customer data, enables managers to adjust customer credit data according to customer operating conditions, so as to manage and maintain the transaction behavior between the company and customers .

In order to achieve the above object, the present invention provides a customer transaction data management system, comprising:

A database, storing the data of the customer transaction data management system, and importing into an enterprise resource planning (Enterprise Resource Planning, ERP) system; and

A server connected to the database. The server provides at least one customer data management page for displaying at least one customer transaction data recorded in the database. Each customer transaction data corresponds to a customer respectively. The customer data management page can be expanded, and the expanded customer data management page includes:

A basic data module, used to record and display the basic data in the customer's transaction data;

A credit investigation data module, used to record and display the credit investigation data in the customer's transaction data, and the credit investigation data module includes a report column for uploading and displaying reports generated by credit investigation actions;

A credit data module, used to record and display the credit data in the customer's transaction data, wherein the credit data is drawn up based on the content of the credit data, and after being approved, it is stored in the database, imported into the ERP system, and displayed on the credit data module;

A sales data module, used to record and display the sales data in the customer's transaction data; and

An early warning notification module, providing a plurality of early warning items for selection, each of which corresponds to a different operating condition of the customer, and the selected early warning items are displayed on the early warning notification module;

Wherein, when at least one of the plurality of warning items is selected, the customer transaction data management system immediately notifies the manager for processing, so as to adjust the credit data according to the customer's operating conditions and resubmit for review.

As mentioned above, the customer data management page displays the customer name of the at least one customer transaction data, the credit limit data in the credit data, and the content and quantity of the selected warning items, and when the customer data management page When one of the customer's transaction data on the website is clicked, it will expand.

As mentioned above, the basic data module at least includes a company certificate column, and the company certificate column displays the customer's organization code certificate data, business license data, and tax registration certificate data.

As mentioned above, the credit data module at least includes a column for bank transactions, a column for bank ratings, a column for financial status, and a column for financial analysis, which are used to record and display the customer's various financial data.

As mentioned above, the credit data includes at least one monthly transaction amount data, one bill period data, and one credit limit data, and the credit data module also includes a standard transaction limit field, a standard turnover period field, and a standard The credit limit column is used to record and display the approved monthly transaction amount data, the bill date data, and the credit limit data respectively.

As mentioned above, the warning items include bounced checks or bills that cannot be cashed, overdue payments, outstanding balance payments, extension of receipt days, changes in transaction conditions such as cash payment, telegraphic transfers, bills, etc., orders placed exceeding the upper limit of customer usage, customer The person in charge of the operation or the main purchasing personnel changes, the customer takes unpaid leave, a large number of layoffs or failure to pay salaries, the customer's huge equipment investment, the customer's huge investment outside the industry, the customer's affiliated companies have a business crisis or financial crisis, and the customer's downstream customers have Business crisis or financial crisis, changes in the client's upstream and downstream industries, fire in the client's factory, major negative news from media such as TV, newspapers, and the Internet, and at least one of other options.

As mentioned above, the early warning item further includes a remark column for recording the detailed content of the selected early warning item, and the content of the remark column is displayed on the early warning notification module.

As mentioned above, when the operation status corresponding to the selected early warning item is lifted, the credit data will be restored to the value before adjustment and resubmitted for review.

As mentioned above, when the customer is deemed to have a credit risk situation, adjust the credit data of the customer to resubmit for review, and when the credit risk situation is removed, the credit data returns to the value before the adjustment and The review is submitted again, and when the customer is suspected of being unable to pay or has no business facts, it is determined to have a credit risk.

As mentioned above, when the customer is identified as having a special situation, the credit data is adjusted to resubmit for review, and when the special situation is lifted or the adjustment period ends, the credit data is restored to the value before the adjustment and resubmitted for review, And when the customer is a seasonal adjustment or a special case, it is determined that there is a special situation.

Compared with the prior art, the present invention can obtain different credit investigation data through one or more credit investigation actions, and generate early warning notification data according to the customer's operating conditions. In order to adjust the customer's credit data based on different credit data and/or early warning notification data, such as increasing/decreasing the credit line or adjusting the turnover period of the bill, etc., and immediately notify the manager to formulate relevant countermeasures. In this way, managers can effectively control the transactions between the company and customers.

Description of drawings

Fig. 1 is a system structure diagram of an embodiment of the present invention;

Fig. 2 is a block diagram of a customer data management page according to an embodiment of the present invention;

Fig. 3 is a schematic diagram of a customer data management page according to an embodiment of the present invention;

Fig. 4 is a block diagram of a customer data management page according to another embodiment of the present invention;

Fig. 5 is a schematic diagram of a basic data module of an embodiment of the present invention;

Fig. 6 is a schematic diagram of a credit investigation data module according to an embodiment of the present invention;

Fig. 7 is a schematic diagram of a credit data module according to an embodiment of the present invention;

Fig. 8 is a schematic diagram of a sales data module according to an embodiment of the present invention;

Fig. 9 is a schematic diagram of an early warning notification module according to an embodiment of the present invention;

Fig. 10 is a schematic diagram of an early warning item according to an embodiment of the present invention;

Among them, reference signs:

1 server;

10 Customer data management page;

101 customer name;

102 credit line data;

11 customer transaction data;

110 customer name;

2 database;

3 Enterprise resource planning system;

4 electronic devices;

51 basic data module;

511 Company license column;

52 credit data module;

521 column of bank transactions;

522 Bank rating field;

523 financial status;

524 financial analysis field;

525 report fields;

53 credit data module;

531 quasi-transaction quota field;

532 quasi-turnaround field;

533 field of quasi-credit limit;

54 sales data module;

55 Early warning notification module;

551 Early warning items;

552 Remarks field.

Detailed ways

Please refer to FIG. 1 , which is a system structure diagram of an embodiment of the present invention. As shown in the figure, the customer transaction data management system of the present invention includes a server 1 and a database 2, wherein the server 1 is connected to the database 2, and the database 2 is used for storing data of the customer transaction data management system. The database 2 is also connected to an enterprise resource planning (Enterprise Resource Planning, ERP) system 3, so as to import the data of the customer transaction data management system into the ERP system 3, so that the ERP system 3 can automatically build the internal resources of the company Documentation, planning, and maintenance operations. The database 2 mainly records at least one customer transaction data 11, and each piece of the customer transaction data 11 corresponds to a customer respectively.

The server 1 and the database 2 are mainly set on the cloud network, and managers or general users can operate one or more electronic devices 4, such as personal computers, tablet computers, or smart mobile phones, etc., through network systems (such as the Internet) network or telecommunication network) to access the data in the server 1. More specifically, the server 1 provides a customer data management page 10 on the network, and managers or users access the customer data management page 10 through the network system to record, read, and manage the data in the database 2. data.

Please refer to FIG. 2 and FIG. 3 at the same time, which are respectively a block diagram of a customer data management page and a schematic diagram of a customer data management page according to an embodiment of the present invention. As shown in the figure, when the administrator connects to the server 1 through the electronic device 4 , he can access the customer data management page 10 provided by the server 1 . The customer data management page 10 can mainly list at least one customer transaction data 11 recorded in the database 2, more specifically, the customer data management page 10 lists the customer name 101, Credit limit data 102, guarantee, and content and quantity of early warning notification (such as the early warning item 551 shown in FIG. 10 ). Moreover, the customer data management page 10 may also list other data in the customer transaction data 11 according to actual needs, such as payment method, payment date, data ownership, and sign-off status, etc., but not limited thereto.

Referring to FIG. 4 , it is a block diagram of a customer data management page according to another embodiment of the present invention. The above-mentioned customer transaction data 11 mainly includes various data of the customer, such as basic data, credit data, credit data, sales data, and early warning notification data, etc., without limitation. The server 1 provides multiple modules, the above-mentioned customer data management page 10 is composed of the multiple modules, the manager can manipulate the electronic device 4 to expand the customer data management page 10, and the customer data management page 10 in the Multiple modules are used to record, display, and manage various data of the customer respectively. More specifically, when one of the customer transaction data 11 displayed on the customer data management page 10 is clicked, the customer data management page 10 is expanded, and after the customer data management page 10 is expanded, it mainly includes A basic data module 51 , a credit data module 52 , a credit data module 53 , a sales data module 54 and an early warning notification module 55 .

However, the customer data management page 10 can still add other modules according to actual needs, such as adding an estimation module to record and display the company's future estimated value of the customer, or adding a sign-off module to record and display The sign-off data of the customer transaction data 11 (such as sign-off time, sign-off supervisor, etc.) should not be limited thereto.

Please refer to FIG. 5 , which is a schematic diagram of a basic data module according to an embodiment of the present invention. The basic data module 51 is mainly used to record and display the basic data in the customer transaction data 11 of the customer, such as including the customer name 101, address, telephone number, responsible person data, capital amount, factory buildings and buildings, number of employees, company Form, registered capital, registration number, and affiliated enterprises, etc., but not limited thereto.

It is worth mentioning that if the customer is a mainland company, the manager must check the customer's three business certificates (including business license, organization code certificate, and tax registration certificate) when conducting credit investigation on the customer and upload. The basic data module 51 includes at least a company certificate column 511 for displaying the customer's organization code certificate data, business license data, and tax registration certificate data. Wherein the organization code certificate data, business license data, and tax registration certificate data can be displayed on the company certificate column 511 in picture format, so that managers can directly view it, or displayed on the company certificate column 511 in a hyperlink format, Let the administrator click to link to other addresses to watch, etc., without limitation. If the customer is a Taiwan company, the manager needs to go to the website of the Department of Commerce of the Ministry of Economic Affairs or the commercial bureau of the county government to copy the customer's business registration data, directors and supervisors pages and other data, so as to upload and display it in the basic data module 51 on.

It is worth mentioning that the above-mentioned three business certificates are updated on May 30 every year in the mainland area, and the manager needs to regularly update the three business certificates of the customer on May 30 every year and upload them to update the three business certificates displayed on the The data in column 511 of the company license. And if the client is a Taiwan company, the manager needs to regularly copy the above-mentioned business registration data, directors and supervisors pages and other data of the client on the Internet on June 30 every year, so as to upload and update them, but there is no limitation.

Please refer to FIG. 6 , which is a schematic diagram of a credit investigation data module according to an embodiment of the present invention. The credit investigation data module 52 is mainly used to record and display the credit investigation data in the customer transaction data 11 of the customer, wherein the credit investigation data is mainly based on the content of the credit investigation report issued by the manager after investigating the customer. recorded. The credit investigation report may include data such as industrial and commercial investigation data, on-site investigation content, suggestions for implementing risk control countermeasures, and other risk warnings, but not limited thereto.

In the credit data module 52, at least include a bank status column 521, a bank rating column 522, a financial status column 523, and a financial analysis column 524, which are used to record and display the company's financial Various financial data of the client provided by the unit. Wherein, each financial data is stored in the database 2 . The credit investigation data module 52 may further include a report column 525 for displaying the reports uploaded by the manager after investigation, such as the customer's credit investigation report, business investigation report and so on. Moreover, there may be more than one of these reports, and the manager may continue to perform credit investigation actions on the customer. In this case, the report field 525 can be used to upload and display these reports continuously, so as to facilitate the follow-up tracking management of the manager and lookup operations.

It is worth mentioning that if the customer's situation is relatively special, the manager may also conduct a special credit investigation on the customer, and, whether it is a general credit investigation or a special credit investigation, the credit investigation results (that is, the The credit investigation report) will affect the credit data granted to the customer. Moreover, the reports issued after the credit investigation can be uploaded and displayed in the report column 525, so that the manager can click on each report displayed on the report column 525 to open.

Referring to FIG. 7 , it is a schematic diagram of a credit data module according to an embodiment of the present invention. The credit data module 53 is mainly used to display the credit data (such as credit limit, turnover period, etc.) in the customer transaction data 11 of the customer, wherein the credit data is mainly drawn up based on the content of the above-mentioned credit data. The credit data is displayed on the credit data module 53 after being approved by the company. Generally speaking, the credit line granted by the company to each customer is not greater than the paid-in capital of the customer, but it is not limited.

It is worth mentioning that the approved credit data is stored in the database 2, and is imported from the database 2 into the ERP system 3, so that the ERP system 3 can refer to the approved credit data to automatically match the company with the company. The customer's transaction behavior is maintained. For example, during the normal operation of the ERP system 3, if it is detected that the customer has an overdue payment, the ERP system 3 will automatically carry forward the overdue information to notify the relevant supervisor for processing; moreover, when the ERP system 3 If it is found that 90% of the customer's payment has been recovered, it can also send a message of "notification of unreceived balance payment" to the relevant supervisor to achieve the effect of "warning notification of overdue payment". For another example, when the ERP system 3 detects that the customer's ticket has been refunded for any reason, the ERP system 3 can automatically report data such as the amount of the refunded ticket and the tracking number information, which is beneficial for the manager to monitor the status of the customer.

The credit data includes at least one month's transaction amount data, one bill period data, and the credit line data 102. The credit data module 53 mainly includes a standard transaction amount column 531, a standard turnover period column 532, and a standard turnover period column 532. The quasi-credit line column 533 is used to record and display the transaction amount data of the month, the bill date data, and the credit line data 102 respectively after the approval. However, the credit data module 53 may further include other fields, which are used to display data such as the monthly revenue of the customer, and the proposed transaction amount, the proposed turnover period, and the proposed credit limit for the customer before the review, without adding limited.

It is worth mentioning that the same customer may have one or more different credit data, which are sequentially displayed in different columns on the credit data module 53 . These credit data may come from: 1. The company's credit review committee holds a credit meeting every six months or every year, and draws up the above-mentioned proposed transaction amount and planned cycle transfer based on credit investigation actions (general credit investigation or special credit investigation). , and proposed credit line and other data. In this way, the company reviews the proposed data to determine the credit data (such as the monthly transaction amount data, the bill data, and the credit line data 102) that is allowed to be granted to the customer; 2. When the customer is identified When there is a credit risk or a special situation occurs, the customer transaction data management system will immediately notify the manager (such as a credit review committee or department head) to deal with it, and adjust the credit data according to the customer's operating conditions to resubmit for review (such as upgrading /Reduce the credit line data 102, or adjust the bill data, etc.).

Therefore, the credit line allowed by the company to the customer may be different at each stage, the credit line data 102 may be increased or reduced, and the ticket period data may also be extended or shortened, depending on the credit investigation results, and/ Or whether the customer has credit risk or the occurrence of special circumstances. Furthermore, when a customer is considered to have a credit risk, the credit line data 102 of the customer can even be set to zero, so as to ensure that the company's interests will not be affected by the customer.

Wherein, the approved credit line data 102 is generally the upper limit of the total transaction amount of the client approved by the company. Furthermore, the manager can also formulate other conditions for the credit line for customers. For example, the upper limit of the credit line for new customers within six months of the transaction is 100,000 yuan; The upper limit of period data is thirty days etc. However, the above description is only an embodiment of the present invention and should not be limited thereto.

Referring to FIG. 8 , it is a schematic diagram of a sales data module according to an embodiment of the present invention. The sales data module 54 is mainly used to display the sales data in the customer transaction data 11 of the customer, such as monthly sales amount, monthly sales volume, contribution rate, and share rate, etc., but not limited thereto. Wherein, the above-mentioned sales data are stored in the database 2, and are imported into the ERP system 3 from the database 2.

Please refer to FIG. 9 and FIG. 10 , which are respectively a schematic diagram of an early warning notification module and a schematic diagram of an early warning project according to an embodiment of the present invention. The early warning notification module 55 mainly provides a plurality of early warning items 551 for the manager to select, and each of the early warning items 551 corresponds to different operating conditions of the customer.

For example, as shown in Figure 10, the early warning item 551 mainly includes "cheque bounced or bill cannot be cashed", "overdue payment", "balance payment outstanding", "receipt days report extension", "changing cash payment, telegraphic transfer , bills and other transaction conditions”, “the order placed exceeds the upper limit of the customer’s usage”, “the person in charge of the customer’s operation or the main procurement personnel changes”, “the customer is on unpaid leave, a large number of layoffs or no salary is paid”, “the customer’s huge investment in equipment” , "The customer's huge investment outside the industry", "The customer's relationship company has a business crisis or a financial crisis", "The customer's downstream customer has a business crisis or a financial crisis", "The customer's upstream and downstream industries have changed", "The customer's factory has a fire" , "Major negative information on TV, newspapers, Internet and other media", "Others" and other options, but it is not limited.

When the manager selects at least one of the above-mentioned early warning items 551 according to the client's operating conditions and presses the storage button, the selected early warning items 551 are displayed on the early warning notification module 55 (as shown in Figure 9 "*overdue payment" shown), and the system proactively sends an early warning notification email to the administrator's mailbox. Furthermore, the early warning item 551 also includes a remark column 552 for recording the detailed content of the selected early warning item 551, and the content recorded by the manager in the remark column 552 is consistent with the selected The early warning item 551 is collectively displayed on the early warning notification module 55 .

In this embodiment, when at least one of the multiple warning items 551 is selected, the customer transaction data management system immediately notifies the manager for processing, such as via email, to formulate preventive measures. The customer transaction data management system will notify the manager at the first time, so the manager can adjust the previously approved credit data according to the customer's operating conditions, and re-submit the review, so that the customer can be adjusted (upgrade or Decline) the credit data, and update it on the credit data module 53. And, when the operation status corresponding to the selected early warning item 551 is lifted, restore the credit data of the customer to the value before adjustment, and resubmit the review to restore the credit data that is most beneficial to the customer, And update it on the credit data module 53 again.

It is worth mentioning that when the manager receives the notification from the above-mentioned customer transaction data management system, he needs to deal with it immediately and formulate preventive measures. After the processing is completed, he needs to log in to the customer transaction data management system to fill in (change Specifically, enter into the early warning notification module 55 to fill in) to be stored in the database 2 . The above-mentioned information will be sent to relevant persons to know at the same time, and can be displayed on the early warning notification module 55 (as shown in FIG. 9 ).

In this embodiment, the data in the database 2 needs to be imported into the ERP system 3, so that the ERP system 3 can automatically plan the internal resources of the company. When the customer is identified as having a credit risk, the manager manually or the customer transaction data management system automatically adjusts the customer's credit data and submits a new review. And after the verification is passed, it is updated on the credit data module 53 . Even the credit line data 102 of the customer can be adjusted to zero, so as to prevent the company's rights and interests from being affected by the customer's situation. Among them, mainly when the customer is suspected of being unable to pay or has no business facts, the manager, the customer transaction data management system, or the ERP system 3 is identified as having a credit risk, but not limited.

As mentioned above, when the credit risk situation of the client is removed, the manager manually or the client transaction data management system automatically adjusts the credit data of the client to return the credit data to the value before adjustment, And submit the review again. It is worth mentioning that each credit data adjustment will be kept in the database 2 and updated in different fields in the credit data module 53, so as to facilitate the manager to track the customer's historical records.

Furthermore, when the customer is identified as having special circumstances, such as seasonal adjustments or special cases, the manager or the customer transaction data management system can also adjust the credit data of the customer and submit a new review. And, when the above special situation is lifted or the adjustment period is over, the credit data of the customer will be adjusted manually by the manager or automatically by the customer transaction data management system, so as to restore the credit data to the value before adjustment, and Submit review again.

The customer transaction data management system of the present invention is convenient for the manager to track the credit data, credit data, and operation status of each customer, so as to judge whether the credit line allowed to the customer is appropriate. In addition, when a client's situation arises, the department head and credit review committee can be notified immediately to adjust the client's credit data, so that the company's own interests will not be affected by the client's situation.

The above descriptions are only examples of the present invention, and are not intended to limit the patent scope of the present invention. Therefore, all equivalent changes using the embodiments of the present invention are included in the scope of the present invention.

Claims (10)

1. a client trading data management system, is characterized in that, comprising:

One database stores the data of this client trading data management system, and imports an ERP (Enterprise Resource Planning); And

One server, connect this database, this server provides at least one customer data management page, in order to show at least one client trading data that record in this database, each these client trading data of pen corresponds to respectively a client, this customer data management page can be unfolded, and this customer data management page after launching comprises:

One master data module is in order to record and to show master data in these client trading data;

One reference data module, in order to recording and to show reference data in these client trading data, and this reference data module comprises a report field, for uploading and showing the report that the reference action is given birth to;

One credit data module, in order to record and to show credit data in these client trading data, wherein these credit data are drafted according to the content of these reference data, and through audit by after be stored to this database, import this ERP (Enterprise Resource Planning) and be shown on this credit data module;

One sales data module is in order to record and to show sales data in these client trading data; And

One early warning circular module provides a plurality of early warning projects for choosing, and each this early warning project corresponds to the different operating conditions of this client, and this early warning project that is selected is shown on this early warning circular module;

Wherein, when these a plurality of early warning projects one of them is selected at least the time, this client trading data management system notifies the supvr to process immediately, so as to adjusting these credit data according to this client's operating conditions again to propose audit.

2. client trading data management system as claimed in claim 1, it is characterized in that, this customer data management page shows customer name, the accrediting amount data in these credit data of these at least one client trading data and content and the quantity of this early warning project of being selected, and on this customer data management page wherein these client trading data are clicked the time, this customer data management page is unfolded.

3. client trading data management system as claimed in claim 1, it is characterized in that, this master data module comprises company's license field at least, and the said firm's license field shows that this client's organizes code card data, operation license data, and Tax Registration Certificate data.

4. client trading data management system as claimed in claim 1, it is characterized in that, this reference data module comprises that at least a cash in bank situation field, a bank field, a financial position field, and the financial analysis field such as comment, respectively in order to record and to show every finance data of this client.

5. client trading data management system as claimed in claim 1, it is characterized in that, these credit data comprise at least dealing money data in January, usance data, reach an accrediting amount data, this credit data module also comprise surely the transaction limit field, surely turnover period field, and accrediting amount field surely, respectively in order to record and to show this month dealing money data, these usance data by examining, reach these accrediting amount data.

6. client trading data management system as claimed in claim 1, it is characterized in that, this early warning project comprises that check Bounced check or bill can not cash, money exceeds the time limit, remaining fund is unclear, the gathering number of days is put prolongation on record, change is paid in cash, remittance, the terms of trade such as bill, place an order and surpass client's consumption upper limit, client operate responsible official or main procurement staff's unusual fluctuation, the client is put unpaid leave, reduce the staff in a large number or can not send out salary, the huge equipment investment of client, the huge investment out of trade of client, client's related company generation operation crisis or financial crisis, operation crisis or financial crisis occur in client's downstream client, client's upstream and downstream industry changes, the breaking out of fire of client's factory building, TV, newspaper, the great negative message of the media such as network, and other one of them option at least.

7. client trading data management system as claimed in claim 6, is characterized in that, this early warning project also comprises a remarks field, the detailed content of this early warning project that is selected in order to record, and the content of this remarks field is shown on this early warning circular module.

8. client trading data management system as claimed in claim 1, is characterized in that, when the corresponding operating conditions of this early warning project that is selected was removed, this credit data recovery was for the numerical value before adjusting and again propose audit.

9. client trading data management system as claimed in claim 1, it is characterized in that, when this client is identified that the situation of creditable risk produces, adjust these credit data of this client again to propose audit, and when the situation of this credit risk is removed, this credit data recovery is for the numerical value before adjusting and again propose audit, and the suspicion that can not pay the bill is arranged or during without the true situation generation of business as this client, is identified as to have credit risk.

10. client trading data management system as claimed in claim 1, it is characterized in that, this client has been identified when special status occurs, adjust these credit data again to propose audit, and when this special status remove or the adjustment period when finishing, this credit data recovery is for the numerical value before adjusting and again propose audit, and this client is identified that special status occurs applicable when seasonal adjustment or special case.

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