Industry The ior/cf-HSG realizes projects with diverse partners from the secondary sector of the economy as well. Find your link to our activities! For the management of commercial credits, the ior/cf-HSG developed the credit quality index (CQI) that allows a quick classification of customer groups according to the traffic light principle. For risk management in general, our projects range from identification over quantification and management to controlling activities along business processes. And the competence with respect to methods and models translates into further fields of application.