Overview
Our services have been introduced in about 40% of the listed companies and their affiliates We are steadily increasing our achievements by leveraging our database of more than 5.4 million companies, which is one of the largest in Japan, and our unique know-how on examinations, as well as the overwhelming speed and low cost made by utilizing the Internet. The credit management service is used by 7,498 corporate members (as of March 2024). Of these, we have a track record of approximately 40% listed companies and their affiliated companies introducing our services. It is also being actively introduced by growing companies aiming to go public in order to establish their risk management system. Construction/real estate related business Information and communication industry Transportation related business Less than 0.5 billion yen More than 0.5 billion yen and less than 1 billion yen More than 1 billion yen and less than 5 billion yen More than 5 billion yen and less than 10 billion yen More than 10 billion yen and less than 30 billion yen Reason １We provide clear and easy-to-understand credit information. RiskMonster was founded by a person from the examination department of a major trading company. The data provided daily by more than 30 information institutions are stored in our one-of-the-largest-in-Japan corporate databases and are constantly updated by exchanging data. Based on the accumulated data, our analysts make them into clear and easy-to-understand data on bankrupted companies. Credit management tends to depend on subjective judgments based on experience and intuition, but we make it possible for you to verify how likely a business partner is to go bankrupt with clear criteria. Regarding the calculation of the credit limit, we provide safe credit limits for you to avoid all risks by analyzing both your own management status and the creditworthiness of the business partner. Reason ２Our support on your credit management operation reduces costs and labor. If you do not assign dedicated personnel for credit management, you can still establish an internal management system based on clear criteria. In addition, you can check the status of your credit risk management by Portfolio Analysis, a consulting service. We also offer advice for improvements. By letting us undertake the services, you can reduce the cost and labor required for credit research and improve your work efficiency. Reason ３We provide highly accurate corporate ratings. We analyze the data accumulated in our one-of-the-largest-in-Japan databases daily and reflect them into our unique corporate ratings. We are proud of the high accuracy that more than 90% of bankrupted companies were the lower ranked companies. We improve the accuracy of your credit management operation with the indicators backed by bankruptcy records. The RM rating is our unique credit management index backed by the bankruptcy records. It ranks companies in six levels of A, B, C, D, E, and F (nine levels when including subdivisions). One of the major features of the RM Rating is that analysts continue to make corrections on them by collecting and analyzing daily credit information, in addition to making changes by regularly updating the data. We refer to the financial statements provided by the members and the creditworthiness and scale of the business partners to calculate the amount of the credit limit that is safe for the business transactions from the following three perspectives: Basic allowable amount for each rating according to your financial strength Maximum volume of sales in consideration of the business partner’s share of your transactions Maximum amount for approval according to your authority for providing approval. We provide the minimum value among them as the RM Credit Limit.