Data CopilotAI 跨境经营失血审计失血审计矩阵真实样例输出开放 API 门户
首页 › 失血审计矩阵 › 资金与汇率失血 › 应收账款账龄与催收 › 真实样例输出

📉 应收账款账龄与催收 · 真实样例审计输出

分层催收逾期账款，压缩 DSO 与坏账敞口

典型可挽回区间 3%~15% · 所属类别 💱 资金与汇率失血

以下输出由 Data Copilot 审计引擎对内置合成样例数据集（mode=sample，52 条记录）真实执行得到，不含任何客户真实数据；沙盒演示由引擎确定性规则生成，正式订阅包含 AI 深度诊断与逐笔明细。

📊 核心指标

Total invoices count
52
Total customers count
52
Total ar balance
17,893,461.02
Overdue ar amount
11,113,198.18
Overdue rate pct
62.11
Weighted dso days
127.90
Estimated bad debt exposure
4,220,496.20
Recoverable cash exposure
6,892,701.98
Health grade code
haz
Health grade label
🚨 坏账失血黑洞
Health grade color
#ef4444
参与分析记录数
52
执行模式
sample

🔍 分析明细

Root cause breakdown

Root causeWaste amountPct of totalAffected invoicesAction plan
⏳ 账期过度放宽与合同约束软弱4,694,099.2342.2417收紧信用期，推行早鸟折扣
🩸 客户经营恶化与破产暴雷违约4,012,120.8736.109立即停供，启动资产保全与诉讼
🏢 大客户恶意拖欠与超期付款1,375,558.4912.383升级高层直通催告与法务发函
🧾 发票争议/对账不符与验收延误1,002,952.749.023拉通业务/交付成立快反小组核销

Aging tier breakdown

Aging tierInvoice countTotal balancePct of totalOverdue balanceProvision amountAvg overdue days
31-60天82,363,838.8813.212,363,838.88236,383.8944.40
91-180天176,997,967.4439.116,997,967.443,498,983.72134.00
0-30天226,864,444.6438.3684,181.804,209.092.60
180天+1184,346.861.03184,346.86184,346.86217.00
61-90天41,482,863.208.291,482,863.20296,572.6474.80

Industry breakdown

IndustryCustomer countInvoice countTotal balanceOverdue balanceOverdue rate pctBad debt exposureWeighted dso days
智能制造与工业自动化18188,179,931.095,084,452.9062.162,202,226.07128.30
汽车零部件与后市场14144,588,445.233,997,624.9487.121,483,658.65157.70
跨境工贸与大宗批发771,314,788.11480,987.9436.5884,337.9686.30
消费品快消分销772,625,499.65852,494.9832.47181,367.8588.90
软件与 IT 企服661,184,796.94697,637.4258.88268,905.67142.30

Credit rating breakdown

Credit ratingCustomer countTotal balanceOverdue balanceBad debt exposureAvg risk score
C104,426,560.364,426,560.362,289,362.1887.20
A83,512,106.41733,838.2473,383.8219.30
AAA73,206,633.04729,612.97364,806.4823.30
BB123,661,785.783,661,785.781,243,984.5579.30
BBB5796,710.90796,710.9098,489.0641.40
AA102,289,664.53764,689.93150,470.1019.20

Status breakdown

Collection statusInvoice countTotal balancePct of totalBad debt exposure
诉讼追索2224,575.431.26188,369.72
停供冻结104,243,427.5523.712,121,713.77
正常未到期227,618,631.6642.5883,836.88
法务催告134,765,229.4826.631,726,625.22
温和提醒51,041,596.905.8299,950.60

Quadrant counts

Golden benchmark17
Agile turnover5
Overdue stressed9
Bad debt hazard21

Quadrant items

Customer nameIndustryTotal balanceOverdue balanceOverdue daysCredit ratingBad debt risk scoreQuadrant key
智能客户_A0智能制造与工业自动化40,228.5740,228.5749C91.00bad_debt_hazard
汽车客户_B1汽车零部件与后市场290,851.73290,851.73105C93.50bad_debt_hazard
汽车客户_C2汽车零部件与后市场167,329.190.00-21A19.70golden_benchmark
跨境客户_D3跨境工贸与大宗批发546,961.970.00-42AAA9.40golden_benchmark
智能客户_E4智能制造与工业自动化521,362.62521,362.62167BB87.70bad_debt_hazard
汽车客户_F5汽车零部件与后市场544,223.94544,223.94113BB87.70bad_debt_hazard
跨境客户_G6跨境工贸与大宗批发45,537.6445,537.6419BBB33.30agile_turnover
跨境客户_H7跨境工贸与大宗批发69,463.9369,463.93122BB80.40bad_debt_hazard
智能客户_I8智能制造与工业自动化414,964.210.00-11AA11.60golden_benchmark
智能客户_J9智能制造与工业自动化160,704.660.00-44AA6.80golden_benchmark

仅展示前 10 行，完整明细可通过开放 API 沙盒获取

Discrepancy logs

Invoice noCustomer nameIndustryBalance amountOverdue daysAging tierCredit ratingBad debt risk score
INV-2026-10019汽车客户_T19汽车零部件与后市场184,346.86217180天+C95.50
INV-2026-10001汽车客户_B1汽车零部件与后市场290,851.7310591-180天C93.50
INV-2026-10011汽车客户_L11汽车零部件与后市场131,343.809691-180天C89.00
INV-2026-10043智能客户_R43智能制造与工业自动化781,742.649391-180天C88.80
INV-2026-10004智能客户_E4智能制造与工业自动化521,362.6216791-180天BB87.70
INV-2026-10005汽车客户_F5汽车零部件与后市场544,223.9411391-180天BB87.70
INV-2026-10041汽车客户_P41汽车零部件与后市场185,002.7715891-180天AA87.50
INV-2026-10051智能客户_Z51智能制造与工业自动化916,445.1016891-180天C85.70
INV-2026-10021智能客户_V21智能制造与工业自动化703,264.9011191-180天C85.60
INV-2026-10031智能客户_F31智能制造与工业自动化729,612.9717191-180天AAA85.60

仅展示前 10 行，完整明细可通过开放 API 沙盒获取

Raw items

Invoice noCustomer nameIndustryInvoice amountBalance amountInvoice dateDue datePayment terms days
INV-2026-10000智能客户_A0智能制造与工业自动化294,640.8140,228.572025-12-232026-02-21120
INV-2026-10001汽车客户_B1汽车零部件与后市场604,628.80290,851.732026-01-242026-04-2490
INV-2026-10002汽车客户_C2汽车零部件与后市场167,329.19167,329.192026-08-042026-10-0360
INV-2026-10003跨境客户_D3跨境工贸与大宗批发572,152.57546,961.972026-09-242026-10-2430
INV-2026-10004智能客户_E4智能制造与工业自动化521,362.62521,362.622025-12-292026-03-2990
INV-2026-10005汽车客户_F5汽车零部件与后市场775,410.69544,223.942026-02-212026-05-2290
INV-2026-10006跨境客户_G6跨境工贸与大宗批发68,093.3645,537.642026-07-252026-08-2430
INV-2026-10007跨境客户_H7跨境工贸与大宗批发495,130.9969,463.932026-02-122026-05-1390
INV-2026-10008智能客户_I8智能制造与工业自动化858,572.99414,964.212026-07-252026-09-2360
INV-2026-10009智能客户_J9智能制造与工业自动化160,704.66160,704.662026-09-262026-10-2630

仅展示前 10 行，完整明细可通过开放 API 沙盒获取

🛠 引擎给出的落地行动清单

  1. P0 紧急清欠回血 (0-15天)：坏账高危客冻结与法务保全：导出 90天以上 逾期黑名单：一键锁止 ERP 发货与授信额度：下发律师函及启动财产保全程序
  2. P1 账期与折扣优化 (15-45天)：现金早鸟折扣 2/10 闪电回款：圈定毛利充沛的优质客户：沟通提供提前 20天付款享 2% 折扣的协议：结算财务系统自动抵扣
  3. P2 授信与风控重塑 (45-90天)：动态授信与逾期阻断引擎：引入大数据信用分模型：严格挂钩业务提成与真实回款：设立前置回款节点考核

Diagnosis

Executive summary全盘应收余额 ¥17,893,461.02，逾期率 62.1%，整体态势评级为【🚨 坏账失血黑洞】。预估坏账敞口达 ¥4,220,496.20，资金空转占用严重。
Overdue dso diagnosis加权平均回款周期 DSO 高达 127.9 天，过度宽容的授信和催收迟滞导致了规模化逾期沉淀。
Bad debt risk verdict高账龄（90天以上）占比显著，长尾账款已出现实质性坏账减值风险，亟需法律介入止损。
Action prescription立即启动 P0 级法务保全冻结止血；对 30天内 账款推行 2/10 现金早鸟折扣加速回笼，优化营运现金流 (EBITDA)。

🚀 想跑你自己的数据？

✅ 公共沙盒端点已开放无需注册、无需 API Key，把下面这段 curl 直接粘到终端，就能拿到与本页结构完全一致的 JSON（返回体包含 engine_name / record_count 与全部分析区块）。

curl -X POST 'https://data-copilot.whfc.cc/api/v1/sandbox/ar_aging' \
  -H 'Content-Type: application/json' \
  -d '{"use_sample": true}'

进入开发者门户 /docs查看该引擎的方法论与速算入口

🔗 继续看别的引擎真实输出

同一失血大类下，其它引擎的真实样例输出（免注册查看）：

页面来源：https://data-copilot.whfc.cc/demo/ar_aging

Data Copilot · AI 跨境经营失血审计 —— 把财务报表里看不见的流失，还原成可以逐笔挽回的现金。

商务对接与报告转发：bd@data-copilot.whfc.cc · 全部 54 个审计引擎 · 开放 API 开发者门户