6C respectively represent integration (integration), continuity (business continuity), comprehensive BuRA (recovery and archiving), compliance (compliance), content management (content management) and classification and policy services (classification and policy services), and represent six elements to accelerate the realization of information lifecycle management.
In the United States and Europe, enterprise credit evaluation has attracted great attention from academic and practical circles, and there are endless discrimination methods and models, but so far there is no recognized, effective and unified method. Enterprise credit evaluation is highly valued because a large number of methods and models have been developed and utilized. The reason lies in its importance: firstly, as an early warning system, methods and models can warn managers whether the enterprise is deteriorating and whether targeted measures should be taken to prevent failure; Secondly, these discriminant methods and models can be used to help decision-makers of financial institutions evaluate and select enterprises, because these models are related to loan decision-making models. Although the loan decision-making problem is not the same as the enterprise credit problem, the lender can effectively use the enterprise credit rating discrimination model to evaluate the feasibility of the loan.
In the practice of many years, western banks have gradually formed a set of standards, that is, the so-called "6C" principle of loan review. "6C" refers to: (1) personality (2) ability (3) capital (4) collateral (5) business environment (conditions) (6) business continuity or LAPP principle, that is, liquidity.