CreditReportingSystemsWorldwide全球的征信系统.pptVIP

World Bank Work on Credit Reporting Systems 世界银行关于征信系统方面的工作 Legal reform 立法方面的改革 bank secrecy, privacy and data protection, consumer rights 银行方面的必威体育官网网址、私密及数据保护，消费者权益 Regulatory Reform法规方面的改革 Establishment and enhancement of credit bureaus信贷局的建立与加强 special emphasis on SME and micro-finance credit reporting 对中小企业与小额金融征信的侧重 Public Database Modernization公共数据库的现代化 Education and Outreach 教育与覆盖面 - consumers, judiciary 客户，法律方面 /programs/credit_reporting/ Main messages of today’s presentation今日演讲主要信息 Value – credit reports greatly reduce the time and cost of providing credit 价值-信用报告大大地降低了提供信用的时间和成本 Public credit registries and private credit reporting firms are not substitutes – they can complement one another 公共信用登记系统与民营的信用登记公司并非互相替代，他们能够互相补充。 Main messages of today’s presentation今日演讲主要信息 3. Maximize the completeness of credit histories, data available to open user group 最大化信用历史的完整性及对开放用户群的数据可得性 The credit reporting industry is in transition, with many new entrants征信业正处在转轨之中，有许多新加入者 The median age of private registries in the survey sample is 10 years. Thirty percent of the private registries were established since 1995. 在所调查的样本中，私人登记机构成立年限的中间值为10年。30%的私人机构都成立于1995年之后。 Latin America led other regions in 1990s in establishment of public credit registries. 在建立公共信贷登记机构方面，拉丁美洲在90年代领先于其他各地区。 The credit reporting industry is in transition, with many new entrants征信业正处在转轨之中，有许多新加入者 Legal issues contributed to the creation of the public credit registry in approximately half of the countries – and legal issues are still pending in about half the countries with public registries. 约一半的国家中，法律问题是导致公共信贷机构创设的因素，而且，在建立了公共信用登记制度的国家中，有一半仍须解决法律问题。 Full Benefits of Credit Reporting are Absent in Most Countries大多数国家不能完全收益于征信 Wide variance in reporting environments worldwide全球征信环境的大相径庭 Closed-group reporting misses important experience from other industry sectors内部封闭的征信体系不能共享其他行业的重要经验 Privacy laws restrict positive reporting in many countries必威体育官网网址法律在许多国家制约了积极的征信 Established lenders ofte