D&B Risk Management Solutions provide answers to key business questions such as:
- Is my prospect well established?
- What is the level of risk associated with my prospect?
- Will my customer pay, and when?
- How does my customer / supplier compare with his peer group?
- Can I depend on a supplier to deliver as promised?
- Has the financial condition and stability of my customer / supplier changed?
- Can we fund the specific start up project?
- Is the business plan projected by my prospective client, in tandem with the market requirements?
D&B Risk Management Solutions help you assess risk on an enterprise-wide level, gain deeper insights into customer
performance, optimize your cash flows and understand your counter-party better, prior to entering into a transaction.
D&B Risk Management Solutions include:
The Business Information ReportTM (BIR) is D&B’s most popular Risk Management product, used for evaluating new accounts, assessing existing customers and learning more about prospects. The BIR provides an overall profile of a company, including financial information, payment history, trends, history of business, ownership details, operational information, and details on related firms and special events (such as business moves, fires and other disasters, and quarterly performance). It is available on millions of establishments worldwide.
It attempts to help improve your understanding of a prospective client or supplier by providing:
- D&B Rating that gives you a quick assessment of a firm’s size and composite credit appraisal, based on the company’s financial statements and an overall evaluation of the firm’s creditworthiness
- D&B PAYDEX Score that is a unique indicator of payment performance based on experiences reported
to D&B by trade references
- Factual information on the existence, operations, financial condition, management experience, line of business, facilities and locations of the subject firm
- Special events, as well as any suits, liens, judgements or previous/pending bankruptcies
- Banking relationship and accountants
- Parent company, affiliated concerns, subsidiaries, branches and divisions, referenced with name
and D&B D-U-N-S® Number
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D&B’s Customized Credit Assessment Model is designed specifically for the Indian business environment and is customized to meet your company’s specific credit risk assessment needs. It is based on a detailed assessment
of your customer’s / dealer’s financial and non-financial parameters such as financial position, operational performance, sales, employee size, number of years in existence and management quality.
Benefits of D&B’s Customized Credit Assessment Model to your company:
- Authenticate the background of new customers / dealers before appointing them or doing business with them
- Obtain a neutral assessment
of the creditworthiness and business risk of each customer / dealer
- Assess whether or not to issue a credit line to these customers / dealers
- Frame decision rules pertaining
to extending credit lines to customers / dealers based on objective criteria
- Monitor credit risk of existing customers periodically to identify:
- High risk accounts
- Deteriorating accounts
- Marginal accounts that need
further control
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For large transactions and critical business decisions it is imperative to obtain an in-depth evaluation of the counter party’s stability and future potential.
D&B Special Reports are customized reports that meet this requirement. These reports are prepared to meet
specific customer needs and hence contain enhanced information and analytical content.
D&B provides different types of Special Reports depending on the intensity and depth of the customer’s information requirements.
In addition to providing a detailed insight into the subject’s history, operations, management quality and marketing capabilities, they also provide exhaustive financial analysis, industry benchmarking and SWOT analysis.
D&B Special Reports can be used for:
- Large ticket purchase or sale transactions
- Large credit decisions
- Providing business intelligence for mergers & acquisitions, joint ventures, collaborations etc.
- Marketing purposes - by providing prospective customers with D&B’s independent and unbiased opinion
of your company, along with its D&B Risk Rating
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India is witnessing an economic boom with a flurry of activity in the industrial and service sectors. Many new companies are being floated and projects are being initiated by existing companies as a part of related or unrelated diversification.
This poses a great opportunity as well as a risk to potential investors due to the uncertain nature of these projects.
D&B Project/Startup Grading is a comprehensive assessment of all the risk factors affecting project completion and its continued operations thereafter. It provides an indication of the likelihood of viable operations post project completion. A third party and neutral risk assessment opinion by a globally renowned institution such as D&B is vital for both the project sponsors and the funding agencies in bridging the credibility gap.
Benefits:
- Improved funding prospects
- Benchmark risks associated with the project
- Effective Marketing Tool
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As the country's exports grow rapidly, Indian exporters are exposed to payment risk globally. The increase in payment defaults impacts the cash flow and profitability of exporters adversely. In order to assist Indian exporters in the recovery of their export receivables, D&B India has introduced Receivable Management Solutions in India.
Benefits:
- Global Coverage - the service will be provided for important importing countries across North America, Europe, Australia, Asia and Latin America
- Success Based - Other than a token registration payment, clients will pay a commission only on the claim amount that has been recovered as part of the collection process
- Legal Collection Channels - D&B will pursue the collection through completely legal channels (letters, phone calls, legal notices etc) for collecting the outstanding debts on behalf of Indian exporters
- Minimal documentation and simple process
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D&B Industry Fin-Gauge is an extremely useful tool for credit officers, equity analysts, portfolio managers and other professionals and researchers for analyzing the financial performance of companies in different industries. This application draws upon over a decade long experience of D&B India in rating over 100,000 small and medium enterprises (SMEs).
Benefits:
- D&B Industry Fin-Gauge serves as a quick reference to compare the most commonly used financial ratios of a borrower against its closest peer group.
- The different statistics for each ratio contrast top and poorly performing companies in a sector.
- Useful in ranking sectors as per their financial risk profile.
- Facilitates enterprise-wide usage through its web-based medium
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One of the most crucial dynamic criteria for determining when, and if, a company is likely to fail is its past payment performance. Globally it has been observed that 90% of bankrupt companies exhibited delayed, fluctuating or below industry-average payment behaviour. Without this payment information you would not be warned of the signals that precede a company's failing. This could mean a decrease in your cash flow and eventually an increase in bad debts
for your company.
As part of D&B's Trade Exchange Program, we collect trade experiences from industry players (called Trade Partners), combine them with information from a wealth of data sources to complete the image of a business' stability - past, present and future. This payment data is a critical component of D&B Ratings and Scores to predict payment
behavior and risk of failure.
D&B's Trade Exchange Program helps management teams to improve collections and productivity, besides providing quality information to help business decision makers mitigate credit risk.
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Features:
- The Trade Exchange program is a 'shared information network' that gives you 24 hours online access to payment information on current and prospective customers across the Asia-Pacific
- On a monthly basis, each Trade Partner provides their receivables ledger to D&B - this information is then fed
into the D&B Database so as to provide a complete overview of the customers' payment habits
- In return for this data, the Trade Partner receives free of charge data that focuses on reducing Days Sales Outstanding (DSO) and risk. This information is provided through an offering called the Trade Web Incentive Program. Each Trade Partner has an individual site set up for their own use, which can be accessed only with
proper authentication
- D&B assures confidentiality of the data and its source. A written guarantee of confidentiality is signed by
D&B and issued to each Trade Participant on request.
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D&B Exporters' Encyclopaedia
If you are importing from or exporting to various countries, then D&B Exporters' Encyclopaedia is the right reference choice for you. D&B Exporters' Encyclopaedia can help you gain insight into the trading environment of more than 180 countries so you can decide to do business safely and profitably. It provides you with the following details:
- Trade regulations
- Documentation
- Key contacts
- Transportation
- Legislation affecting export commerce
International Risk & Payment Review
Investing or trading in foreign markets is high risk. That's why D&B's International Risk & Payment Review is vital reading for anybody doing business overseas.
International Risk & Payment Review:
- Presents the unique D&B Country Risk Indicator to show the relative strengths of 122 countries
- Provides alerts regarding political and economic risks
- Guides on payment terms and delays - essential for effective negotiating and planning
- Provides monthly analysis for monitoring changing market conditions
- Presents important data at one source, saving hours of research
- Presents country assessments in a standard format to facilitate the comparison of economic, political and commercial conditions across countries
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If you are investing in a country for the first time or are entering into a long term contract with a partner in a country with a high exposure, then this D&B publication is recommended for your use.
D&B's Country Report is a 50 page report containing critical information and analysis on the trade environment of a single country. For 80 countries, the D&B Country Report covers key risk factors such as:
- Political condition
- Commercial data, including banking controls
- Domestic and foreign policy
- Trading environment and investment policy
- Economic structure
- Exporters' data including import regulations and documentation requirements and payment terms
- Performance and outlook
- Country information such as population, capital, type of government, currency etc.
Dictionary of International Trade Terms is a specialized publication that seeks to explain international trade and commercial terms in a lucid and succinct manner. The publication is intended to be a ready desktop reference for exporters, importers, bankers and managers who are actively involved in cross-border business transactions.
Keeping track of the world's businesses
In today's global economy, D&B's Data Universal Numbering System (D-U-N-S® Number) is the widely recognized standard for identifying businesses among thousands of companies, marketplaces and regulatory entities.
Companies worldwide use it to link information about suppliers, customers and trading partners, providing a more complete picture of the risk and opportunity in their business relationships. No one else has this capacity to identify, verify, and inter-relate businesses to find new customers, reduce credit exposure, generate vendor savings and prevent fraud.
Its unique nine-digit code helps you identify more than 131 million company locations worldwide. Through this exclusive numbering system, businesses are creating new sources of knowledge and opportunity by integrating their data – and other third party data – with D&B's powerful information base.
Used by the world's most influential standards-setting organizations, the D&B D-U-N-S® Number is recognized, recommended or required by Governments and more than 50 global industry and trade associations, including the US Federal Government, the Australian Government and the European Commission. Several of the world's largest corporations also require their vendors and contractors to have a D&B D-U-N-S® Number.
For more information on D&B Risk Management Solutions, please email rms@mail.dnb.co.in Top |
