According to a Jiefang Daily report reprinted on the Shanghai Municipal Government website, the Jing'an Branch of the Bank of Shanghai and Naohai AI are exploring the use of platform creators' order-taking, performance and settlement records for credit evaluation. This is a specific cooperation dynamic, not a unified loan qualification open to all OPCs. The corporate financing in the report and the support that platform creators may receive cannot be confused with a sum of funds that have already been received.
Put a single business on the same timeline
The following is ChinaOPC’s operating record recommendations. When undertaking content production, software customization or data compilation, the dates of customer confirmation of requirements, first delivery, modification completion, acceptance confirmation, invoicing and actual arrival can be recorded separately. Just remembering "how many were signed this month" will put the intentions that are still being discussed and the contracts that have been fulfilled in the same number.
Expenses also have their own dates. Purchasing model usage, paying fees to voice actors, and renewing software may all occur earlier than customer acceptance; and modification requests may be delayed in confirmation. Only by laying out these nodes side by side can you see which period of waiting the team is responsible for, instead of judging the available funds based on the project quotation.
One delivery result, connecting three different states
Simulate a short film production task: the customer receives the preview file, which can only prove the delivery of the file; the customer confirms the version, indicating that the agreed results have been recognized; the receipt of payment is the corresponding fact of payment. The three events can occur on different dates, and the corresponding emails, acceptance notes, or payment slips should be retained in the records. One cannot be used to replace the other two.
This record sheet does not need to be filled with all the customer's business information. Linking contracts, deliverables and confirmation records within the scope of authority with project numbers is enough to help the team review the process. Before submitting materials to a third party, you should also confirm the scope of customer information that can be provided and conceal content irrelevant to the purpose of verification.
Before accepting the next order, first check the occupied delivery capacity
Having many projects does not mean that every order can be started at the same time. The team can mark items to be modified, accepted and settled separately, and estimate the labor that must be invested in the next week and the expenditure that has been determined. If key personnel are still occupied by old projects, the start time of new orders should be stated truthfully, rather than bumping all deliveries into the same end of the month.
When delays occur, record who proposed the changes, what work was added, and what new nodes were confirmed by both parties. Whether to adjust payment terms needs to be handled according to the specific contract and negotiation between both parties; this article does not replace the credit review, nor does it infer that any entity will be able to obtain a loan.
You can combine the Caliber Description of Entrepreneurship Business Figures to distinguish orders, income and receipts, and then record the actual nodes of this project. The value of such organization is to let the team know where the project in hand has gone, rather than packaging the record sheet itself into a financing commitment.