(1) What are the rating and predicted rating in the background?
Rating rating: This shows the rating for the current month, which is the data corresponding to the last day of the previous natural month. The data for the current month will not change before the 5th of the next month.
Predicted rating: This shows the rating for the current day. The rating for the current day and the data for the four major capability items are updated every day. The website data statistics will have a delay of about 2 days.
(2) What is the statistical logic for the credit guarantee transaction volume in the last 90 days?
First, the last 90 days refers to the 90 days backward from the statistical day. For example, today is July 5. Because the website data statistics will have a delay of about 2 days, the data calculated is the 90 days backward from July 3, that is, the data from April 5 to July 3.
Secondly, the transaction volume excludes fake transaction orders. If an order is determined to be a fake transaction, then the order will not be included in the statistics. Finally, based on the authenticity of the transaction and the controllability of the risk, there are requirements for the proportion of the pending amount of the orders included in the transaction amount. Orders that do not meet a certain ratio will not be counted for the time being.
(3) To improve the star rating of the transaction conversion section, is there a monetary requirement for the credit guarantee transaction amount?
The merchant star rating is determined based on the scores of the four major capability items. The transaction amount is one of the very important indicators. Regardless of the industry, the star rating of the transaction conversion section must be one star (transaction amount of at least US$25,000), two stars (transaction amount of at least US$100,000) and three stars (transaction amount of at least US$300,000).