Category A
A+++A++A+A-
Customers with strong payment capacity, typically supported by substantial assets, stable cash flow, or significant disposable funds.
Customer Payment Capacity Model
Customer Level Definitions
Category B
B+++B++B+B-
Customers with moderate payment capacity. They have a realistic basis for payment but are usually more attentive to service value, staged payments, and cost-effectiveness.
Category C
C+++C++C+C-
Customers with limited or unstable payment capacity who may require lower-entry, standardised, or staged service options.
Customer Asset Reference Table
| Level | Disposable Cash-Flow Range | Typical Customer Profile | Household Asset Position |
|---|---|---|---|
| Level A | Annual income of at least RMB X, or disposable savings of at least RMB X | High-net-worth individuals, business owners, and senior executives. They have strong payment capacity, recognise the value of professional services, and are generally less price-sensitive. | Typically own at least two properties in major cities, including high-end apartments or villas; hold substantial financial assets such as shares, funds, or private-equity investments worth several million RMB or more; and may also hold operating assets or equity interests in businesses. Their asset allocation is diversified and their ability to withstand financial risk is strong. |
| Level B | |||
| Level C |
Customer Asset Reference Table
- Level
- Level A
- Disposable Cash-Flow Range
- Annual income of at least RMB X, or disposable savings of at least RMB X
- Typical Customer Profile
- High-net-worth individuals, business owners, and senior executives. They have strong payment capacity, recognise the value of professional services, and are generally less price-sensitive.
- Household Asset Position
- Typically own at least two properties in major cities, including high-end apartments or villas; hold substantial financial assets such as shares, funds, or private-equity investments worth several million RMB or more; and may also hold operating assets or equity interests in businesses. Their asset allocation is diversified and their ability to withstand financial risk is strong.
- Level
- Level B
- Disposable Cash-Flow Range
- Typical Customer Profile
- Household Asset Position
- Level
- Level C
- Disposable Cash-Flow Range
- Typical Customer Profile
- Household Asset Position
Customer Payment Capacity Reference Table
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| Level | Source of Funds | Typical Occupational Profile | Payment-Capacity Characteristics | Typical Payment Habits | Willingness-to-Pay Characteristics | Recommended Approach |
|---|---|---|---|---|---|---|
| +++ | Business income — management-based | Business owners, general contractors, team managers, capital operators, and people who create value through the work of others | Stable and sustainable, with strong cash flow and the ability to raise or reallocate funds | Primarily outsourcing-oriented. Accustomed to paying for time, expertise, and efficiency, and generally accepts the value of paying professionals to solve problems. | High, but negotiation-oriented. Willing to pay, while also assessing whether the professional can actually resolve the matter. Often accustomed to negotiating payment terms. | |
| ++ | Salary or business income — execution-based | |||||
| + | Savings or liquidation of personally owned assets | |||||
| - | Funds controlled by the other party or held in a joint account | |||||
| - | Financial support from parents, relatives, or friends | |||||
| - | Loans or credit cards | |||||
| - | Unclear or potentially improper source of funds |
Customer Payment Capacity Reference Table
- Level
- +++
- Source of Funds
- Business income — management-based
- Typical Occupational Profile
- Business owners, general contractors, team managers, capital operators, and people who create value through the work of others
- Payment-Capacity Characteristics
- Stable and sustainable, with strong cash flow and the ability to raise or reallocate funds
- Typical Payment Habits
- Primarily outsourcing-oriented. Accustomed to paying for time, expertise, and efficiency, and generally accepts the value of paying professionals to solve problems.
- Willingness-to-Pay Characteristics
- High, but negotiation-oriented. Willing to pay, while also assessing whether the professional can actually resolve the matter. Often accustomed to negotiating payment terms.
- Recommended Approach
- Level
- ++
- Source of Funds
- Salary or business income — execution-based
- Typical Occupational Profile
- Payment-Capacity Characteristics
- Typical Payment Habits
- Willingness-to-Pay Characteristics
- Recommended Approach
- Level
- +
- Source of Funds
- Savings or liquidation of personally owned assets
- Typical Occupational Profile
- Payment-Capacity Characteristics
- Typical Payment Habits
- Willingness-to-Pay Characteristics
- Recommended Approach
- Level
- -
- Source of Funds
- Funds controlled by the other party or held in a joint account
- Typical Occupational Profile
- Payment-Capacity Characteristics
- Typical Payment Habits
- Willingness-to-Pay Characteristics
- Recommended Approach
- Level
- -
- Source of Funds
- Financial support from parents, relatives, or friends
- Typical Occupational Profile
- Payment-Capacity Characteristics
- Typical Payment Habits
- Willingness-to-Pay Characteristics
- Recommended Approach
- Level
- -
- Source of Funds
- Loans or credit cards
- Typical Occupational Profile
- Payment-Capacity Characteristics
- Typical Payment Habits
- Willingness-to-Pay Characteristics
- Recommended Approach
- Level
- -
- Source of Funds
- Unclear or potentially improper source of funds
- Typical Occupational Profile
- Payment-Capacity Characteristics
- Typical Payment Habits
- Willingness-to-Pay Characteristics
- Recommended Approach