更广泛的信息共享有助于扩大信贷 Broader information ....ppt

更广泛的信息共享有助于扩大信贷 Broader information sharing expands credit 新兴市场国家发展私营征信机构所面临的挑战 Challenges in developing a private credit bureau in emerging markets “原有制度体系”：2006年摩洛哥的征信状况 The “Ancien Regime”: credit reporting situation in Morocco in 2006… 风险 Risks: 信用信息共享体制是分割的，缺乏长期愿景，存在地盘之争 Fragmentation of information sharing initiatives, lack of long term vision; turf battles; 主要贷款人不愿意共享信息（更不用说正面信息！） Reluctance of key lenders to share information (let alone positive information); 涉及所有利益相关人（贷款人、借款人）的规制框架不明确 Uncertain regulatory framework for all stakeholders (lenders, borrowers); 摩洛哥央行计划扩大其信贷登记，不设定最低贷款额门槛，将所有贷款都纳入进来（威胁将来私营征信机构的生存空间） BAM’s plans to expand its Credit Registry to include all loans without minimum threshold (crowding-out of any future private initiative) “原有制度体系”：2006年摩洛哥的征信状况（续） The “Ancien Regime”: credit reporting situation in Morocco in 2006…(Cont’d) 机遇 Opportunities: 摩洛哥央行享有较高声誉，并且是所有金融机构的监管者，因此，它是唯一能够推动整个进程，创建一个有利于征信的商业环境的机构 BAM’s reputation and as supervisor/regulator of all Financial Institutions the only player who could drive the process and create an enabling business environment for credit reporting; 有多方力量在推动征信体系的发展（在法语国家中比较少见） Country dynamism with various initiatives (uncommon for francophone countries!) 向摩洛哥推荐的模式 Recommended Model for Morocco “新体系”的好处 Some Benefits of the “Nouveau Regime” 建立了一个透明的、先进的、具有竞争力和非分割性的信息共享基础设施 Build a transparent, advanced, competitive and non-fragmented information sharing infrastructure 使得所有符合央行要求的征信机构都能运作（不论是本地的，还是国际的），并在质量、价格和增值服务方面展开竞争 Allow all CB providers which fulfill BAM’s requirements to operate (local or international) and compete on quality, pricing and value-added services 吸引跨国征信机构为摩洛哥带来先进的技术和投资 Attract to Morocco know how and investments of international CBs “新体系”的好处（续） Some Benefits of the “Nouveau Regime” (Cont’d) 使央行获得无偿的充足信息，以服务于它最根本的目标：监管全国的系统性信贷风险 Supply BAM with a wealth of information at no cost that can be used for its primary objective: supervision of the country system