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To ensure secure business transactions, TDB provides credit risk management solutions based on acquired knowledge needed for TDB's unique corporate credit research and Japan's largest database. TDB supports "Credit Risk Management" from the perspectives of overall management, continuity management, and management of priorities.
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This service consists of zoning the customers into 4 grades after assessing the relation between TDB rating and transaction values, and to provide information on risk distribution in dot matrix form. This allows an understanding of overall trends of the customer and credit exposure management according to the degree of risks involved.
TDB monitors for an entire year changes and movements observed in registered companies that are subject to credit control. With a credit research performed twice a year, TDB releases relevant information such as business environment and credit information as soon as these are obtained. This allows regular risk management of major customers, new customers, as well as competitors.
TDB provides necessary basic data for calculating statistically significant bankruptcy probability according to rating, industrial category, and size of business, based on COSMOS2 Corporate Profile File and Bankruptcy File. From these data, the customer can calculate yearly bankruptcy probabilities of the last 18 years.
Based on qualitative information obtained through direct visits that has been evaluated by strict standards and credit information collected by TDB, the probability of a company going into bankruptcy within a year is being predicted in numerical terms as "Japanese Corporate Bankruptcy Prediction Mode". These values are ideal risk management indicators for monitoring activities and portfolio analysis of customers.
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