【精品】征信产品在商业银行信用风险管理中的应用.ppt

“征信产品在商业银行信用风险管理中的应用”国际研讨会 SYMPOSIUM ON “CREDIT REPORTING AND RETAIL SME FINANCE” 主办 Sponsored by：中国人民银行 The People’s Bank of China国际金融公司 International Finance Corporation 2007年6月20-21日 中国天津 20-21 June 2007 Tianjing, China 如何在住房按揭贷款中有效地使用征信机构服务 HOW TO USE CREDIT BUREAUSTO DO BETTER MORTGAGE LENDING 主讲人 By 国际金融公司住房融资咨询顾问 N?科库拉鲁潘 N. KokularupanConsultant, Housing Finance Group, International Finance Corporation 导言 INTRODUCTION 什么是征信 What is Credit Reporting - 对财务关系表现信息的收集、共享和分发的过程 Process of gathering, sharing and distributing information regarding performance of financial relationships 征信服务可以由以下机构提供 Credit Reporting can fall under (a) 征信机构 Credit Bureaus (b) 公共信贷登记系统 Credit Registries 征信机构和公共信贷登记系统在运营方面有区别 Operational differences between a Credit Bureau and a Credit Registry 信用信息系统的特征 ATTRIBUTES OF A CREDIT INFORMATION SYSTEM 最好同时包括负面和正面信息 Contains both negative and positive information - 可信赖 Trust - 可靠且全面的数据 Reliable and comprehensive data 美国的征信机构 CREDIT REPORTING AGENCIES IN USA 美国的3大征信机构： USA – 3 major credit reporting agencies namely: - Experian、Equifax和TransUnion Experian, Equifax and Trans Union - 属私营机构 Private Companies 信贷评分 CREDIT SCORES 衡量逾期或违约风险的数值结果 Numbers calculated to measure risk of delinquency or default 被美国大多数住房按揭贷款人用于借款人评级 Used by most mortgage lenders in US to rank borrowers 确定借款人是否符合借贷条件 Determine borrowers’ qualifications for a loan 放贷额度 Quantum of loan 按揭利率 Mortgage rate 信贷评分的使用日益普遍 GROWTH IN USE OF CREDIT SCORES 信贷评分使用率的增长源于： Increasing use of credit scores results from: 技术进步 Technological advances 风险定价 Risk-based pricing 消费者越来越能够直接获得信贷评分 Increasing direct consumer access for credit scores 个人信用报告 CONSUMER CREDIT REPORT 收录了个人信用偿还历史的实际记录 Contains factual record of individual’s credit payment history 包括四大方面内容： Generally covers 4 broad areas: 身份识别信息 Identifying information 所有账户的信用信息 Credit information on all accounts 公共记录 Public records 查询信