版权说明:本文档由用户提供并上传,收益归属内容提供方,若内容存在侵权,请进行举报或认领
文档简介
riskified
Chargebackchallenges
andwhatyoucandoaboutthem
Globalinsights2024
NeworderNeworder
ackNeworderNeworder
NeworderNewchargeback
derNeworderNeworder
ChargebackrecoveredNeworder
NeworderNeworder
NeworderNeworder
NeworderNeworder
Contents
Executivesummary
3
01
Keyelementstounderstandingchargebackchallenges
Methodologyandglossaryofkeyterms
5
02
Howmanagingchargebacksbecamechaoticformerchants
9
03
Whychargebackmanagementissocomplex
13
04
Chargebackmanagementtransformed—fromcostbuckettorevenuerecoverymachine
20
05
Fourwaysmerchantscanimprovechargebackmanagement
23
Chargebackchallengesandwhatyoucandoaboutthem
2
Executivesummary
Intheboomingecommercelandscape,salessoar
annually,offeringlucrativeopportunitiesforbothestablishedgiantsandnewcomerstogrow.Butthisinfluxofsalesalsoleadstorisingchargebackrates.
Consumersincreasinglyturntochargebacksasameanstorecoupfunds,witharound75%ofAmericanandBritishcustomersfilingachargebackin2023*.Often,consumersfilethesechargebacksbecausetheygenuinelyhaven'treceivedanitemortheircardhasbeencharged
fraudulently.However,increasingly,consumersfile
chargebackstoreceivecompensationunderfalse
pretenses.
So,asecommercesaleshavegrown,sotoohave
chargebacksand,inturn,chargebackfraud.Addtothatthetremendouscomplexitiesandinefficienciesinmanaging
chargebacks,andmostwouldagree:ecommercehas
enteredaneraofchargebackchaos.
Merchantsknowfraudulentclaimsconstituteasignificant
portionoftheirtotalchargebacks,knownasfirst-partyfraud.Butcurrentmanagementprocessesmakeitmorecostly
todisputefraudulentclaimsthantosimplyacceptthem
inthelongrunorevenproactivelyrefund.
Newchargeback
NEWAOe=
Newchargeback
New
Newchargeback
Newchargeback
Neworde
Newchargeback
Newouer
Newcharcaha
k
Chargebackchallengesandwhatyoucandoaboutthem
Executivesummary
Consumerattitudestowardschargebacksin2023:ComparingtheU.KwiththeU.S.
(TelAviv:JUSTT,2023)https:/fjusttai/consumer-attitudes-towards-chargebacks/
3
Merchantsfacenochoicebuttoletrevenuesslipaway
duetoinefficienciesinchargebackmanagement.As
chargebackfiguresrise,itserosiononprofitsisreachinganepidemicpoint.
RiskifiedpartneredwithindustryadvisorsPaladinFraudto
interviewmorethan300chargebackmanagersfromleadingmerchantsworldwidetodiscover:
●Thesizeofthechargebackchallenge
●Howmerchantsmanagechargebackstoday
●Thebiggestpainpointsinchargebackmanagement
●Howmerchantscanrealizeabrighterfutureforchargebackmanagement
Atahighlevel,theresearchfound:
Chargebackscontinuerisingwith76%ofchargebackmanagersseeingasmanyormorechargebacksYoY.
Merchantsstruggletorecoupcosts,withthreeinfourmerchantsrecoveringlessthanhalfofallchargebacks.
Moreworryingly,merchantsknowinglyletrevenueslip
away,withmorethan73%sayingthat20%ormoreoftheirchargebacksarefirst-partyfraud(fraudulentchargebacksbycustomers).
Thetruecostofchargebacksquicklycreepsupbeyondlostmerchandiserevenue,drivenbycomplex,time-consuming,andinefficientchargebackmanagementprocesses.
Whenitcomestomanagingchargebackdisputes,merchantswantmoreautomation,platformconsolidation,betterdatamanagementandreportingabilities,andmoretoolstoaidprevention.
Chargebackchallengesandwhatyoucandoaboutthem
Executivesummary
4
01
Keyelements
tounderstanding
chargeback
challenges
Chargebacksexisttoprotectcardholders,butincreasingly,they
enableconsumerstobehavebadly,recoupingfundsunderfalse
pretenses.First-partyfraud,referringtochargebacksfiledforfalsereasons,informsasignificantportionofchargebacks—and
merchantsknowit.Buttheinefficienciesandtechnicalcomplexitiesofcurrentmanagementprocessesmakeitmorecostlytodisputefraudulentclaimsthantosimplyaccepttheminthelongrun.
Inefficienciesinchargeback
managementforcemerchants
toallowrevenuetoslipaway.
Thisprofiterosionhasreached
anepidemicpointaschargeback
figurescontinuetorise.
5
Methodology
Merchantsbyregion
RiskifiedpartneredwithindustryadvisorsPaladinFraudto
interviewmorethan300merchantsworldwide,specifically
thepersonneldealingwithchargebackmanagementevery
day,todiscover:
·Thesizeofthechargebackchallenge
·Howmerchantsmanagechargebackstoday
·Thebiggestpainpointsinchargebackmanagement
●Howmerchantscanrealizeabrighterfuturefor
chargebackmanagement
Thecompaniesrepresentedincludeawiderangeofverticalsacrossphysicalanddigitalgoods,includingfashion,travel,food(groceryanddelivery),electronics,andmarketplaces,amongothers.
16%
41%
19%
23%
ThemajorityofrespondentsoperatewithinNorthAmerica,
withsignificantrepresentationfromEMEA(Europe,Middle
East,Africa),LatinAmerica,andtheAsiaPacificregions.
NorthAmerica:41%
EMEA(Europe,MiddleEast,Africa):23%
LatinAmerica:19%
AsiaPacific:16%
Other:1%
Chargebackchallengesandwhatyoucandoaboutthem
Methodology
6
Annualrevenueofmerchants
Percentageofmerchants
Asubstantialportionofmerchantsinthestudyreported
annualsalesvolumesbetween$500millionand$3billion,followedbythoseinthe$75millionto$500millionrange.
Chargebackchallengesandwhatyoucandoaboutthem
Methodology
Participantsbycompanydepartment
50%
18%
15%
15%
2%
Accountingorfinance
Risk/lossprevention
Other
Customer
success
Independent/
Cross-
dept.team
Percentageofmerchants
Chargebackmanagementteamsoperatethroughdifferentoperationalstructures.Justover50%ofthoseinthestudyreportthroughadedicatedrisk/losspreventionteamwithjustunder18%throughcustomersuccess.
7
Glossaryoffourkeyterms
01
Chargebackrate
Thepercentageofchargebacksamerchantreceivesoutofallsales.
02
Chargebackwinrate
Thepercentageofchargebackdisputes
thatamerchantsuccessfullywinsoutofall
chargebacksdisputed.
03
Chargebackrecoveryrate
Thepercentageofchargebackdisputes
thatamerchantsuccessfullywinsoutofallchargebacksreceived(whetherdisputed,accepted,orotherwise).
04
First-partyfraud
Alsoknownas“chargebackfraud,”
“chargebackabuse,”and“liarbuyer,”first-partyfraudreferstochargebacksthathavebeen
filedfraudulentlybycustomers.
Chargebackchallengesandwhatyoucandoaboutthem
Glossary
8
02
Howmanaging
chargebacks
becamechaotic
formerchants
Inrecentyears,ecommercesalessurgedandchargebacks
skyrocketed.Infact,inthelastyearalone,morethanthreeoutoffourcustomersintheUnitedStatesandUnitedKingdomfileda
chargeback*—anall-timehigh.Chargebacksnowrepresentanormalpartofconsumeronlineshoppingbehaviorandasignificantpartof
ecommercebusinessmanagement.
Threeoutoffour
customersintheUnitedStates
andUnitedKingdomfileda
chargebackinthelastyearalone
一anall-timehigh.*
Consumerattitudestowardschargebacksin2023:ComparingtheU.KwiththeU.S.9
(TelAviv:JUSTT,2023)https:/fjusttailconsumer-attitudes-towards-chargebacks/
76%ofchargeback
managerssaychargebacks
Theupwardtrendinchargebacks,inpart,stemsbacktotheCOVIDpandemic.Ofcourse,onlinereturnsandchargebacksexistedbefore2020,buttwokeybehavioralshiftslefta
lastingimpact:
·First,customerswereafraidtoleavethehouse
toshop,spurringtheonlineshoppingboom.
Second,chargebackstookoffaspeoplewere
alsolessinclinedtogothroughthereturnsprocess,whichofteninvolvedanin-storevisitoratripto
thepostoffice.
AreyouseeingachangeYoYinthevolumeofchargebacks?
30%
27%
20%
11%
12%
Yes,it's
increasingsignificantly
Yes,it's
increasingalittle(<10%)
No,it'saboutthesame
Yes,it's
decreasing
significantly
Yes,it's
decreasinga
little(<10%)
(>10%)(>10%)
Percentageofmerchants
haveincreasedorremained
steadyinthelastyear,with
morethanathirdofthose
describing“significant”growth.
Chargebacksbecamepopularduringthepandemicfortheirconvenienceandsafety.Muchlikeonlineshopping,this
chargebackstrenddidn'trecedewhenlifereturnedto
normal.It'sreasonabletoassumecustomerpsychology
changedtoo-ifsuccessfullyreimbursedviaachargeback,customersfeelemboldenedtoclaimagain.Abusiveand
fraudulentclaimsbecamefarmorenormalizedwithoutthetraditionalfeelingsof“shame”associatedwithcommittingfraudin-store
Chargebackchallengesandwhatyoucandoaboutthem
Howmanagingchargebacksbecamechaoticformerchants
10
Merchants'profitscontinuetoerodeyearoveryeardueto
chargebacks.Withsomucheffortandcostinvolvedin
disputingchargebacks,it'sunsurprisingmanymerchants
weighwhetherit'sworththeeffortorcheaper,inthelongrun,tosimplyacceptfraudulentchargebacksasacostofdoingbusiness.
Threeinfourmerchantsrecover
lessthanhalfofallchargebacks
Nearly60%leave40%ormore
ofchargebacksundisputed
Atwhatratedoyoudisputechargebacks?
<10%
3%
10-20%
4%
20-30%
3%
30-40%
2%
40-50%
11%
50-60%
6%
60-70%
3%
70-80%
15%
80-90%
90-100%
29%
24%
Percentageofmerchants
Chargebackchallengesandwhatyoucandoaboutthem
Howmanagingchargebacksbecamechaoticformerchants
11
Merchantsfaceimpossibledecisionsconsideringwhich
chargebackstheycansourceenoughevidencefororarelikelytowin.AfterperiodsofhighspendingsuchasBlackFriday/CyberMonday,soonaftercomesaninfluxof
chargebacksthatteamssimplydon'thavetheresourcestohandle.
Morethan73%ofmerchants
believe20%ormoreoftheir
chargebacksarefirst-partyfraud.
Fraud
<10%
10-20%
20-30%
30-40%
40-50%
50-60%
>60%
chargebacksthatarefirst-partyfraud
12%
9%
11%
9%
9%
15%
35%
Percentageofmerchants
Chargebackchallengesandwhatyoucandoaboutthem
12
Howmanagingchargebacksbecamechaoticformerchants
03
Whychargeback
managementis
socomplex
Thetruecostofchargebackmanagementcreepsupfromdisparatesources,fromvaryingbankprocessingfeestothecostofgoodsandserviceslost-plustheoperationalexpensestorampupstaffto
supportchargebackoperationsduringseasonalspikes.Withmost
merchantsoperatingacrossseveralpaymentgateways,truly
comprehendingthecostandcomplexityofchargebackmanagementcanbeastruggle.
Theobviouscost—reversalofsale
●Valueoflostmerchandise
●Shippingcosts
●Chargebackprocessingfee·Operationalcosts
oFull-timeemployeesworkingonchargebackteams一onaverageonetothree
oEmployeetimeoneachdispute
oRootcauseanalysisandprevention
·Marketingcoststopromotetheitem
●Riskoflosinganacquiringaccountandpotentialfines(inextremecases)
Thefindingsinthisresearchrevealthreekeychallengesdriving
chargebackmanagementcostsandprofiterosion:operational,
technical,andbureaucratic.
13
Keychargebackmanagement
challenges
55%
managemultiple
chargebacksacross
multiplesystems
55%
findprocesstoo
time-consuming
36%
lackvisibilityand
difficultyin
and
monitoring
reporting
35%
can'taccessor
useallrelevant
dataasevidence
Chargebackchallengesandwhatyoucandoaboutthem
Whychargebackmanagementissocomplex
Newchargebacewchargeback
Newchargeback
Newchargeback
Newchargeback
Newchargeback
Newchargeback
Newchargeback
Newchargeback
Newchargeback
Newchargeback
Newchargeback
Newchargeback
Newcharge
Ne
Newcl
14
back
为e。
Currentchargebackmanagementchallenges
Processistootime-consuming
Lackofvisibility,difficulty
monitoring,andreporting
Inabilitytoaccessoruseall
relevantdataasevidence
Performanceistoolow
Notenoughheadcount
Difficultywithscalabiltyresulting
fromincreasedvolume
Other
55%
36%
35%
27%
23%
20%
12%
Percentageofmerchants
15
Chargebackchallengesandwhatyoucandoaboutthem
Whychargebackmanagementissocomplex
Operationalchallenges
tochargebackmanagement
Today,sizableteamsfocusonmanagingchargebacks.
Eventhe“simple”firststepsofidentifyingandcategorizingchargebackstakestime.However,justover60%of
chargebackteamsoperatewithonlyonetothreefull-timeemployees,androughlythesamepercentagemanage
chargebacksfullymanually.
Thehoursquicklyaddupwhennearlytwoinfivemerchantsspendatleast10minutesperdispute,and18%spendmorethan20minutesadispute.Teamsalsoinvestsignificant
timeinrootcauseanalysisandpreventionefforts,ahighlyresource-intensiveactivityifdonemanually.Unsurprisinglythen,that55%thinktheprocessistootime-consuming.
61%ofchargebackteams
operatewithonetothreefull-time
employees.
Numberoffull-timechargebackmanagementemployees
Percentageofmerchants
Chargebackchallengesandwhatyoucandoaboutthem
Whychargebackmanagementissocomplex
16
Operationalchallenges
tochargebackmanagement
Towinachargebackdispute,merchantsneedtocompile
evidencefromvariousgateways,teams,anddatastreams.
Thismeansdisputesandevidencecaneasilyfallthrough
thecracks,notforgettingthatteamsoutsideoffraudand
chargebackmanagementwillnaturallyconsideritlessofa
prioritytofindandsupplyevidence,whichcanfurtherhamper
Howmuchtimeonechargebacktakestoprocess
51%
efforts.
Twooutoffivemerchantsspendatleast
10minutesperdispute
O
18%spend20+minutesperdispute
17%
11%
5-10mins
<5mins
10-15mins
Percentageofmerchants
3%
15-20
mins
12%
20-25
mins
6%
>25
mins
17
Chargebackchallengesandwhatyoucandoaboutthem
Whychargebackmanagementissocomplex
Technicalchallengesto
chargebackmanagement
Technicalchallengesalsocausemajorheadachesin
chargebackmanagement.Mostmerchantsworkwith
severalpaymentserviceproviders(PSPs)andacquirers,soamajorchallengehereisthefragmentedtechnicaloperationthatunfolds.
Firstofall,teamsaccessandcorrelateinformationfrom
variousdisconnectedsystems,makingtheprocessslow
andcomplicated.Collectingandorganizingevidencefromseparatesourcesaddstothemanualload,leadingto
increasedhumanprocessingtimeandhigherriskoferrors.Finally,thedisparate,disjointedsystemscreatefragmenteddatathatteamsstruggletocollate,interpret,andmake
effectiveuseof.Theendresult:alackofclarity
intodisputeperformance,anddifficultytrackingand
reportingonKPIs.
Merchantresponsessupportthis—morethanhalf(55%)
foundhavingtomanagechargebacksacrossmultiple
systemswasamajorchallenge.Theinabilitytoaccessoruseallrelevantdataasevidenceremainsakeychallengefor
35%,whileasimilarnumberfeltalackofvisibilityand
difficultyinmonitoringandreportingweremajorhurdles.
55%
managemultiple
chargebacksacrossavarietyofsystems
35%
can’taccessoruseallrelevant
dataasevidence
Chargebackchallengesandwhatyoucandoaboutthem
Whychargebackmanagementissocomplex
18
Bureaucraticchallengesto
chargebackmanagement
Disputingchargebackclaimsalsocomeswithlotsof
regulationsandrules,primarilyfromcardschemesand
issuers,thatmaketheprocessmorecomplicatedandrequire
merchantstokeepaneyeonchangesandupdateprocesses
quicklyinlinewithregulations.
Paymentnetworksenforceincreasinglystricterguidelines
abouthowmuchinformationtheyneedtoauthorizea
chargeback.Periodically,theseregulationsevolvetoo.For
example,VisarolledoutCompellingEvidence(CE)3.0*in
April2023forfraudchargebacks,whilePayPalchangedits
SellerProtectionProgram**rulesinJanuary2024.Bothof
theserequiredmerchantstoquicklyadjustprocessesto
maintaincomplianceandsuccessfullyfiledisputes.Finally,in
extremecasesofexcessivechargebacks,merchantsrisk
losingacquiringaccountsorrackinguppotentialfines.
AlonLivneh,"UpdatestoVisaCompellingEvidence:WhattoknowaboutCE
3.0”Riskified,March9,2023.
"DanielKolko,"PayPalannouncessellerprotectionrulechangesformerchants
一here'swhat'schanged"Justt.ai,January2,2024.
Whychargebackmanagementissocomplex
Chargebackchallengesandwhatyoucandoaboutthem
Specialconsideration:Onlinetravelagencies
Spotlight:Travelandchargebackmanagement
Theresearchrevealedthattravelcompaniesonthewhole
benchmarkhigherthananyotherindustryforannual
chargebackratesandillustratessomeofthekeychallenges:Lower-than-averagerecoveryrates:Nearly90%of
respondentsseerevenuerecoveryoflessthan45%,
andzeroofthetravelmerchantssurveyedsawrecovery
ratesabove60%
Highratesoffirst-partyfraud:Halfoftravelmerchantsestimatedtheirrateofabusivechargebacksabove40%.
oWorryinglylowdisputerates:Justover50%oftravelmerchantsdisputelessthan10%oftheirchargebacks,andonly14%disputebetween80%to100%.
Biginternalteams:Themajorityhavefourfull-time
employees,while21%havemorethanfiveemployeesdedicatedtochargebacks.
Whatwouldmakethedifference?
Travelmerchantsoverwhelmingly(86%)wanttoautomatesomeoralloftheprocess.They'dalsoliketohaveone
centralizedplatformandtheabilitytomakebetteruseofdatatodisputechargebacks.
Travelmerchants(86%)
overwhelminglywanttoautomate
someorallofthechargeback
managementprocess.
andchargebacks
Onlinetravelagencies(OTAs)faceacute,uniquechallenges
withchargebacksbecauseoftheintermediaryroleplayed
betweencustomersandairlines.OTAshavenodirectcontrol
overmuchofthedataneededtoevidenceanddisputea
chargeback,includingdataandtransactiondetailsfromthe
airline,proofofservice,orcustomerinteractioninsights.
Relyingonairlinestoprovideaccurateandtimelyinformationthereforeexacerbatesexistingchargebackmanagement
challengesandsignificantlyhinderstheabillitytodispute
chargebacks.
Chargebackchallengesandwhatyoucandoaboutthem
Whychargebackmanagementissocomplex
20
04
Chargeback
management
transformed一
fromcostbucket
torevenue
recoverymachine
Chargebackmanagementcreptupontheecommerceindustryasanissue.Risingchargebackratesexacerbatedthecomplexityandlostrevenuestoapointwhereitcannolongerbeignored.JustasfraudpreventionshiftedinthelastdecadetobecomemoresophisticatedandAl-based,chargebackmanagementisreadytohaveitsdigitaltransformationmoment.
21
Howcanchargeback
managementbemore
effectiveandefficient?
Merchantscurrentlyuseacombinationofin-house,
third-party,orahybridapproachtomanagement,withthemajority(59%)managingallin-house.
Regardlessofwhatapproachtheytakeorplantotake,
chargebackmanagersknowtheyhavesignificantroomforimprovementtorecovermorerevenueandincrease
efficiency,accuracy,andmeasurement.
Mostimportantwaystochangechargebackmanagement
●Increasedautomation:
Themostrequestedimprovementacrossmerchants(65%)wasforamoreautomatedprocess.
●Simple,centralizedaccess:
Halfofrespondentsstressedtheneedtobeabletoaccessallchargebacksinoneplace.
●Betterlabelingandevidencemanagement:
Lessthan15%ofrespondentscustomizecompellingevidencebygateway/PSP,just17%byissuer,andastaggering35%don’tevencustomizeforreason
categories.
●Improvedpreventionstrategies:
Onethirdofchargebackmanagersfeltthattheycould
getmoreinvolvedinprevention,usingrootcausechargebackdataasafeedbackloopintothe
fraud-screeningprocess.
Chargebackchallengesandwhatyoucandoaboutthem
Chargebackmanagementtransformed—fromcostbuckettorevenuerecoverymachine
22
Topwaystochangechargebackmanagement
Automatesomeoralloftheprocess
Manageallchargebacksfromonecentralizedplatform
Improvemeasurementandreporting
Usemoredataincompellingevidence
Getmoreinvolvedinupfrontchargeback(fraud)prevention
Hiremorepersonnel
7%
65%
50%
47%
46%
32%
Percentageofmerchants
automate
someorall
oftheprocess
50%
manageall
chargebacksfrom
onecentralized
platform
47%
improve
measurement
andreporting
46%
usemoredata
incompelling
evidence
32%
increase
involvementin
upfrontchargebackprevention
Chargebackchallengesandwhatyoucandoaboutthem
23
Chargebackmanagementtransformed—fromcostbuckettorevenuerecoverymachine
05
Fourways
merchants
canimprovechargebackmanagement
Newchargebackis
Then
Autoassign
PayPal,under$50,autosubmit
When
Newchargebackis
Then
Createevidencedocthen
Under$50
@Erik
Active
Under$50
Submit
Paypal,dateabouttoexpire,autoAccep
When
Newchargebackis
Then
Acceptchargeback
to
01Automation
Applyingautomationtosomeorallofthechargebackmanagementprocessincreasesefficiencymoreeffectivelythananyotheraction.Automationcanbeappliedinatieredstrategytoo.Forexample,
lowervalueormorestraightforwardchargebackscanbeautomated,whilemorecomplex,sensitive,andhighervaluecaseshandledwiththeexpertiseofagents.Automationalsofreesupteamstofocusonmorestrategicandchallengingdisputesandempowersthemto
tacklewhatmightpreviouslyhavegoneuncontested.
24
Fourwaysmerchantscanimprovechargebackmanagement
02Platformconsolidation
Centralizingdifferentchargebacksourcesnotonlymakeslife
easierforchargebackmanagersbutstopschargebacksand
keyevidencefromfallingthroughthecracks.Acentralized
platformcanserveasaone-stopshopforchargeback
management,whilealsostoringallhistoricaldata,documents,
andevidence.
03Datamanagementandreporting
Buildingontheabove,chargebackmanagersstruggletocompile,label,andslicedataastheyneedto.Asaresult,understandingperformanceandreportingbecome
challenging.Havingbettermeanstocaptureandcategorizechargebacks
温馨提示
- 1. 本站所有资源如无特殊说明,都需要本地电脑安装OFFICE2007和PDF阅读器。图纸软件为CAD,CAXA,PROE,UG,SolidWorks等.压缩文件请下载最新的WinRAR软件解压。
- 2. 本站的文档不包含任何第三方提供的附件图纸等,如果需要附件,请联系上传者。文件的所有权益归上传用户所有。
- 3. 本站RAR压缩包中若带图纸,网页内容里面会有图纸预览,若没有图纸预览就没有图纸。
- 4. 未经权益所有人同意不得将文件中的内容挪作商业或盈利用途。
- 5. 人人文库网仅提供信息存储空间,仅对用户上传内容的表现方式做保护处理,对用户上传分享的文档内容本身不做任何修改或编辑,并不能对任何下载内容负责。
- 6. 下载文件中如有侵权或不适当内容,请与我们联系,我们立即纠正。
- 7. 本站不保证下载资源的准确性、安全性和完整性, 同时也不承担用户因使用这些下载资源对自己和他人造成任何形式的伤害或损失。
最新文档
- 2024届云南省玉溪市通海县第二中学高三3月份模拟考试数学试题含解析
- (高清版)GB 146.2-2020 标准轨距铁路限界 第2部分:建筑限界
- 2024届沈阳外国语学校高考数学五模试卷含解析
- 2024年商南县一级造价工程师《造价管理》模拟试题含解析
- 2024年山西省临汾市曲沃县一级造价工程师《造价管理》深度预测试卷含解析
- 2024年三亚市临高县一级造价工程师《造价管理》深度预测试卷含解析
- G -B-T 17822.1-2024 橡胶树种苗 第1部分:种子(正式版)
- 2024-2034年中国六甲蜜胺行业发展监测及投资战略规划研究报告
- 中国苹果酸氯波必利行业市场现状分析及竞争格局与投资发展研究报告2024-2034版
- 中国复原乳行业发展分析及投资风险预测分析报告2024-2034版
- 征集和招录人员政治考核表
- 美国文学概论智慧树知到期末考试答案章节答案2024年吉林师范大学
- (茅台酒)白酒酿造工职业技能认定-制曲制酒考试题库附参考答案【预热题】
- 2022年7月浙江省普通高校招生学考科目考试历史试题及答案
- 2023年河北石家庄市市属国有企业招聘笔试参考题库附带答案详解
- 2022年江苏省南京市中考历史试题(含答案)
- 康宽合成路线及工艺
- 完整版《中药学》课件.ppt
- (免费)最新部编版七年级下册道德与法治第三单元测试卷
- 外研版2019-2020学年度三年级下学期英语期中考试试卷(II )卷
- 五年级分数混合运算100题.doc
评论
0/150
提交评论