Case 18: Supply-chain supplier admission

This case corresponds to USE-CASES scenario 18, “Supplier admission rating for supply-chain finance,” in the supply-chain finance domain. It targets factoring admission for upstream suppliers of a core enterprise, automatically producing the supplier rating, admission decision, approved factoring limit, guarantee requirements, and recommended settlement terms.

Industry scenario

In supply-chain finance led by a core enterprise, an upstream supplier applying for factoring credit must submit a complete profile: years since business registration, registered capital, qualification level (S/A/B/C/NONE), transaction volume with the core enterprise over the last 12 months, on-time delivery rate, incoming/delivery quality pass rate, contract fulfillment rate, months of cooperation, financial health (HEALTHY/STABLE/WEAK/RISKY), plus two negative flags — dishonest judgment debtor and major contract breach in the last 2 years. The core enterprise and the factoring bank need a consistent admission decision quickly during partnership negotiations or limit renewals.

The decision starts with two one-vote vetoes in the Service: a supplier listed as a dishonest judgment debtor is barred from admission and partnership talks are terminated; a major contract breach in the last 2 years (supply cutoff / quality incident) suspends admission for 24 months. After passing the vetoes, the rule script performs five-dimension scoring: qualification (0-20, axis on qualification level with fine-tuning by registered capital), fulfillment record (0-30, on-time delivery, quality pass, and contract fulfillment rates worth 10 points each), cooperation depth (0-15, 8 points for months of cooperation + 7 points for annual transaction volume), financial status (0-20), and registered years (0-15), totaling 100 points.

The total score maps to grades A/B/C/D: >=85 is grade A (strategic supplier), >=75 is grade B (qualified), >=60 is grade C (restricted), otherwise grade D (eliminated). Grades A/B are APPROVE directly; grade C becomes CONDITIONAL admission — a 10% performance bond or third-party guarantee is required, factoring is reviewed per individual receivable with no revolving line, and a 6-month observation period applies; grade D is rejected. The factoring limit is calculated as annual transaction volume times a grade-based ratio (A 20%, B 12%, C 5%), then capped twice — at 2 million yuan for grade C and at a hard 10-million per-customer ceiling. Recommended settlement terms are 90/60/30 days by grade. When financials are weak (WEAK/RISKY), a clause requiring proceeds to flow into a supervised core-enterprise account is attached; new suppliers with fewer than 6 months of cooperation get their first order reduced by 50% as a trial.

Business pain points

Rating criteria scattered across procurement, quality, and finance departments: delivery-rate brackets, qualification-level scores, factoring ratios, and settlement terms live in supplier-management policies and system code, making cross-department consistency hard.
Rating and limit policies change with the core enterprise’s strategy: factoring ratios of 20%/12%/5%, the 10M per-customer ceiling, and the grade-C 2M restriction line shift with risk appetite; hard coding means every change requires a release.
The three fulfillment dimensions need independent tuning: on-time delivery, quality pass rate, and contract fulfillment are worth 10 points each; the quality department wants to tighten the quality criterion alone, which a single coupled total-score formula cannot support.
Conditional-admission terms are numerous and combinatorial: bonds, per-transaction review, observation periods, supervised accounts, and new-supplier trial reductions trigger by rating, financial status, and cooperation months; manual checklists easily miss items.
Dishonesty and major breaches must be hard-blocked and auditable: even with perfect scores elsewhere, a dishonest supplier must never enter scoring, and review records must clearly show the veto basis.
Domestic-platform and legacy ERP environments at core enterprises cannot adopt heavy rule platforms: supply-chain systems are deeply integrated with existing ERP and SRM on JDK 8, requiring an embeddable rule solution with no standalone middleware.

Solution architecture

This case follows the six-piece skeleton: input model + decision result model + rule interface + XML rule script + Service orchestration + 6 test cases covering real business profiles.

Layer	Responsibility	Files
Domain model	Supplier profile fields, admission and factoring-credit decision result (rating / limit / conditions / score breakdown)	SupplierProfile.java, SupplierAdmissionDecision.java
Rule set & XML	Five-dimension scoring criteria, rating thresholds, factoring ratios and settlement-term mapping	SupplierAdmissionRules.java, supplier-admission.xml
Orchestration service	Dishonesty/major-breach vetoes, rating-to-decision mapping, dual limit caps, condition assembly	SupplierAdmissionService.java
Tests	6 supplier profiles (strategic / qualified / restricted / dishonest / major breach / newly established)	SupplierAdmissionServiceTest.java

Rule method breakdown

Rule method	Criteria	Score/output
`scoreQualification`	Axis on qualification level S/A/B/C, fine-tuned by registered capital at 20M/5M/1M yuan; 0 without a level	0-20
`scoreFulfillment`	On-time delivery, quality pass, and contract fulfillment rates bracketed at >=98/95/90/85%, 10 points each	0-30
`scoreCooperation`	Cooperation months (>=36/18/6/3) 0-8 points + annual transaction volume (50M/20M/5M yuan) 0-7 points	0-15
`scoreFinance`	Financial status: HEALTHY 20, STABLE 15, WEAK 8, otherwise 2	0-20
`scoreRegisteredYears`	Registered years >=8/5/3/1 score 15/12/8/4, otherwise 0	0-15
`grade`	Total score >=85 A, >=75 B, >=60 C, otherwise D	A/B/C/D
`factoringRatio`	Factoring limit as a share of annual transaction volume by grade: A 0.20, B 0.12, C 0.05, D 0	Ratio
`settlementDays`	Recommended settlement term by grade: A 90 days, B 60 days, C 30 days, D 0 days	Days

Code implementation (complete & runnable)

Place the following files into the test directory of a JQuick-Java project following the source package structure: the two models go to src/test/java/com/github/paohaijiao/demo/model/, the rule interface and test class go to src/test/java/com/github/paohaijiao/demo/, the Service goes to src/test/java/com/github/paohaijiao/demo/service/, and the XML script goes to src/test/resources/demo/. Keep the package names exactly as in the source (com.github.paohaijiao.demo / .model / .service). Then run mvn test -Dtest=SupplierAdmissionServiceTest to execute all 6 cases.

SupplierProfile.java

package com.github.paohaijiao.demo.model;

import lombok.AllArgsConstructor;
import lombok.Data;
import lombok.NoArgsConstructor;

/**
 * 核心企业上游供应商档案（供应链金融保理准入要素）
 */
@Data
@NoArgsConstructor
@AllArgsConstructor
public class SupplierProfile {

    /**
     * 供应商编号
     */
    private String supplierId;

    /**
     * 供应商名称
     */
    private String supplierName;

    /**
     * 工商注册年限
     */
    private int registeredYears;

    /**
     * 注册资本（万元）
     */
    private int registeredCapitalWan;

    /**
     * 资质等级：S / A / B / C / NONE（未取得体系认证）
     */
    private String qualificationLevel;

    /**
     * 近 12 个月与核心企业交易额（元）
     */
    private double annualOrderAmount;

    /**
     * 准时交付率（百分比，可含一位小数，如 97.5）
     */
    private double onTimeDeliveryRate;

    /**
     * 来料/交付质量合格率（百分比）
     */
    private double qualityPassRate;

    /**
     * 合同履约率（百分比）
     */
    private double contractFulfillRate;

    /**
     * 与核心企业合作月数
     */
    private int cooperationMonths;

    /**
     * 财务健康状况：HEALTHY / STABLE / WEAK / RISKY
     */
    private String financeStatus;

    /**
     * 是否失信被执行人
     */
    private boolean dishonest;

    /**
     * 近 2 年是否发生重大合同违约
     */
    private boolean majorBreach;
}

SupplierAdmissionDecision.java

package com.github.paohaijiao.demo.model;

import lombok.Data;

import java.util.ArrayList;
import java.util.List;

/**
 * 供应商准入与保理授信决策结果
 */
@Data
public class SupplierAdmissionDecision {

    /**
     * 供应商编号
     */
    private String supplierId;

    /**
     * 准入结论：APPROVE-准入 / CONDITIONAL-附条件准入 / REJECT-淘汰
     */
    private String decision;

    /**
     * 供应商评级：A-战略 / B-合格 / C-限制 / D-淘汰
     */
    private String grade;

    /**
     * 综合评分（0-100）
     */
    private int totalScore;

    /**
     * 核定保理额度（元）
     */
    private double factoringLimit;

    /**
     * 是否要求追加担保/保证金
     */
    private boolean requireGuarantee;

    /**
     * 建议结算账期（天）
     */
    private int settlementDays;

    /**
     * 评分明细
     */
    private List<String> scoreDetails = new ArrayList<String>();

    /**
     * 拒绝原因
     */
    private List<String> rejectReasons = new ArrayList<String>();

    /**
     * 风险提示与附加条件
     */
    private List<String> conditions = new ArrayList<String>();

    public void addScoreDetail(String detail) {
        this.scoreDetails.add(detail);
    }

    public void addRejectReason(String reason) {
        this.rejectReasons.add(reason);
    }

    public void addCondition(String condition) {
        this.conditions.add(condition);
    }
}

SupplierAdmissionRules.java

package com.github.paohaijiao.demo;

import com.github.paohaijiao.xml.param.Param;

/**
 * 场景 18（生产级样板）：供应链金融供应商准入规则集
 * <p>
 * 五维评分（企业资质 / 履约记录 / 合作深度 / 财务状况 / 注册年限），
 * 再映射评级、保理额度比例、担保要求与账期；失信与重大违约由 Service 一票否决。
 * 规则脚本见 {@code src/test/resources/demo/supplier-admission.xml}。
 */
public interface SupplierAdmissionRules {

    /**
     * 企业资质评分（0-20）：资质等级 + 注册资本
     */
    int scoreQualification(@Param("qualificationLevel") String qualificationLevel,
                           @Param("registeredCapitalWan") int registeredCapitalWan);

    /**
     * 履约记录评分（0-30）：准时交付率、质量合格率、合同履约率各 10 分
     */
    int scoreFulfillment(@Param("onTimeDeliveryRate") double onTimeDeliveryRate,
                         @Param("qualityPassRate") double qualityPassRate,
                         @Param("contractFulfillRate") double contractFulfillRate);

    /**
     * 合作深度评分（0-15）：合作月数 + 年度交易额
     */
    int scoreCooperation(@Param("cooperationMonths") int cooperationMonths,
                         @Param("annualOrderAmount") double annualOrderAmount);

    /**
     * 财务状况评分（0-20）
     */
    int scoreFinance(@Param("financeStatus") String financeStatus);

    /**
     * 注册年限评分（0-15）
     */
    int scoreRegisteredYears(@Param("registeredYears") int registeredYears);

    /**
     * 供应商评级：A / B / C / D
     */
    String grade(@Param("totalScore") int totalScore);

    /**
     * 保理额度占年交易额比例
     */
    double factoringRatio(@Param("grade") String grade);

    /**
     * 建议结算账期（天）
     */
    int settlementDays(@Param("grade") String grade);
}

supplier-admission.xml

class="header">

<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE javas PUBLIC "-//PAOHAIJIAO//DTD API JAVA 1.0//EN"
        "classpath:paohaijiao/dtd/Jquick-java.dtd">
<javas namespace="com.github.paohaijiao.demo.SupplierAdmissionRules">
 <!-- 企业资质评分：0-20 -->
    <java name="scoreQualification" returnClass="int">
        <![CDATA[
            int def scoreQualification(str:qualificationLevel, int:registeredCapitalWan) {
                if (qualificationLevel == "S") {
                    if (registeredCapitalWan >= 2000) {
                        return 20;
                    } else if (registeredCapitalWan >= 500) {
                        return 18;
                    } else {
                        return 16;
                    }
                } else if (qualificationLevel == "A") {
                    if (registeredCapitalWan >= 2000) {
                        return 16;
                    } else if (registeredCapitalWan >= 500) {
                        return 14;
                    } else {
                        return 12;
                    }
                } else if (qualificationLevel == "B") {
                    if (registeredCapitalWan >= 500) {
                        return 10;
                    } else if (registeredCapitalWan >= 100) {
                        return 8;
                    } else {
                        return 6;
                    }
                } else if (qualificationLevel == "C") {
                    return 4;
                } else {
                    return 0;
                }
            }
        ]]>
    </java>
 <!-- 履约记录评分：0-30，三项比率各 10 分 -->
    <java name="scoreFulfillment" returnClass="int">
        <![CDATA[
            int def scoreFulfillment(double:onTimeDeliveryRate, double:qualityPassRate,
                                    double:contractFulfillRate) {
                int total = 0;
                if (onTimeDeliveryRate >= 98.0) {
                    total = total + 10;
                } else if (onTimeDeliveryRate >= 95.0) {
                    total = total + 8;
                } else if (onTimeDeliveryRate >= 90.0) {
                    total = total + 5;
                } else if (onTimeDeliveryRate >= 85.0) {
                    total = total + 3;
                } else {
                    total = total + 1;
                }
                if (qualityPassRate >= 98.0) {
                    total = total + 10;
                } else if (qualityPassRate >= 95.0) {
                    total = total + 8;
                } else if (qualityPassRate >= 90.0) {
                    total = total + 5;
                } else if (qualityPassRate >= 85.0) {
                    total = total + 3;
                } else {
                    total = total + 1;
                }
                if (contractFulfillRate >= 98.0) {
                    total = total + 10;
                } else if (contractFulfillRate >= 95.0) {
                    total = total + 8;
                } else if (contractFulfillRate >= 90.0) {
                    total = total + 5;
                } else if (contractFulfillRate >= 85.0) {
                    total = total + 3;
                } else {
                    total = total + 1;
                }
                return total;
            }
        ]]>
    </java>
 <!-- 合作深度评分：0-15 -->
    <java name="scoreCooperation" returnClass="int">
        <![CDATA[
            int def scoreCooperation(int:cooperationMonths, double:annualOrderAmount) {
                int monthsScore = 0;
                if (cooperationMonths >= 36) {
                    monthsScore = 8;
                } else if (cooperationMonths >= 18) {
                    monthsScore = 6;
                } else if (cooperationMonths >= 6) {
                    monthsScore = 4;
                } else if (cooperationMonths >= 3) {
                    monthsScore = 2;
                }
                int orderScore = 0;
                if (annualOrderAmount >= 50000000.0) {
                    orderScore = 7;
                } else if (annualOrderAmount >= 20000000.0) {
                    orderScore = 5;
                } else if (annualOrderAmount >= 5000000.0) {
                    orderScore = 3;
                } else {
                    orderScore = 1;
                }
                return monthsScore + orderScore;
            }
        ]]>
    </java>
 <!-- 财务状况评分：0-20 -->
    <java name="scoreFinance" returnClass="int">
        <![CDATA[
            int def scoreFinance(str:financeStatus) {
                if (financeStatus == "HEALTHY") {
                    return 20;
                } else if (financeStatus == "STABLE") {
                    return 15;
                } else if (financeStatus == "WEAK") {
                    return 8;
                } else {
                    return 2;
                }
            }
        ]]>
    </java>
 <!-- 注册年限评分：0-15 -->
    <java name="scoreRegisteredYears" returnClass="int">
        <![CDATA[
            int def scoreRegisteredYears(int:registeredYears) {
                if (registeredYears >= 8) {
                    return 15;
                } else if (registeredYears >= 5) {
                    return 12;
                } else if (registeredYears >= 3) {
                    return 8;
                } else if (registeredYears >= 1) {
                    return 4;
                } else {
                    return 0;
                }
            }
        ]]>
    </java>
 <!-- 评级映射 -->
    <java name="grade" returnClass="java.lang.String">
        <![CDATA[
            str def grade(int:totalScore) {
                if (totalScore >= 85) {
                    return "A";
                } else if (totalScore >= 75) {
                    return "B";
                } else if (totalScore >= 60) {
                    return "C";
                } else {
                    return "D";
                }
            }
        ]]>
    </java>
 <!-- 保理额度比例 -->
    <java name="factoringRatio" returnClass="double">
        <![CDATA[
            double def factoringRatio(str:grade) {
                if (grade == "A") {
                    return 0.20;
                } else if (grade == "B") {
                    return 0.12;
                } else if (grade == "C") {
                    return 0.05;
                } else {
                    return 0.0;
                }
            }
        ]]>
    </java>
 <!-- 建议账期 -->
    <java name="settlementDays" returnClass="int">
        <![CDATA[
            int def settlementDays(str:grade) {
                if (grade == "A") {
                    return 90;
                } else if (grade == "B") {
                    return 60;
                } else if (grade == "C") {
                    return 30;
                } else {
                    return 0;
                }
            }
        ]]>
    </java>
 style="--0:#7FDBCA"></javas>

ejava">SupplierAdmissionService.java