优化利用征信数据，改善个人信贷决策Optimising the use of the credit .ppt

优化利用征信数据，改善个人信贷决策 Optimising the use of the credit bureau 导言 Introduction 很多国家都建立了征信机构 Most countries have a credit bureau 各国征信机构在数据收集和数据使用上存在较大差异 There is a lot of variation in the data they hold and how they are used 向征信机构提供数据符合所有信贷提供者的利益 It is in all credit providers interests to provide data to the bureau 我们银行每年花费500万美元从澳大利亚征信机构获得信用数据 My bank spends over US$5m on credit data from the Australian bureaux 我们每年的查询超过300万次 We make over 3 million enquiries each year 我们如何确保从征信机构获得最大价值？ How can I make sure that I am getting the best value from the bureau? 何时需要进行查询，何时不需要？ When do I need to enquire and when do I not need to? 在何种情况下我们可以只依赖于自有数据？ When can I rely on my own data instead? 优化利用征信机构数据 Optimising the use of the credit bureau 信贷决策需要在信贷生命周期的每一时点进行 Credit decisions take place at each point of the life cycle 征信机构数据在每一阶段都会带来价值——只是各阶段的价值不同 The bureau adds value at each stage – but not equally 在信贷生命周期的每个阶段，以及对于进行查询的不同机构来说，查询的价值都会有所不同 The value of a bureau enquiry will be different at each stage of the lifecycle and for each organisation making an enquiry 1. 直接营销 Direct Marketing 2. 贷款申请 Application 3. 行为 Behavioural 4. 收款 Collections 如何计算信用查询所带来的效益 How to work out the value of a credit enquiry 如何确定何时使用征信机构服务，何时不使用？ How can I decide when and when not to use the bureau? 分析现有客户数据——挑选一个位于两年前的起始点，附上根据自有数据得出的风险评分 Analyse existing customer data – choose a start point two years ago and attach a risk score built from your own data 观察每个账户的表现，识别优劣 Look at the performance of each account and identify the goods and the bads 使用该两年前的起始点，将同一客户群的名称发送给征信机构 Using the starting point two years ago send the same group of customers to the bureau 征信机构将提供针对该客户群的征信机构数据 The bureau will attach bureau data to this group of customers 观察每个账户的表现——哪些已发生坏账，哪些仍然保持正常 Look at the performance of each account – which ones went bad and which were good? 评判自有评分区分好坏贷款的准确度 See how well your own score separates the goods from the bads 如何确定何时使用征信机构服务，何时不使用？－ 续 How can I decide when and when n