征信业务【企业信用管理】.pptVIP

* Emerging elements of good practice Public Credit Registry (PCR)新出现的可取经验：公共信用登记系统（PCR） Clear objectives for PCR 公共信用登记系统的明确目标 consult with financial institutions, private credit reporting firms 与金融机构和私营信用报告企业相互咨询 Complement, not compete, with private firms 与私营企业互补, 而非与之竞争 Focus on larger loan sizes重点集中于较大规模的贷款 Provide customer service if data is distributed to financial system 面向金融体系发布数据，提供客户服务 * Information in credit reports 信用报告提供的信息 Credit reports reduce problems of asymmetric information – adverse selection and moral hazard 信用报告减少了不对称信息问题-逆选择和道德风险 The heart of the credit report is the detailed payment history it provides信用报告的核心是详尽的支付历史记录 Positive payment history empowers good borrowers, creates reputation collateral正面的支付历史记录赋予好的借款者更大的能力，创造了声誉抵押 Negative payment data encourages honoring obligations 负面的支付数据激励还债心理 * Complete payment histories 完整的支付历史 Maintain data for a reasonable time frame – 5 years minimum保留合理时间框架-至少5年的数据 Do not delete data on late payments or defaults when debt repaid在还清债时别删掉拖债的数据 Do not provide amnesty for bad payment history 别宽恕有较差支付历史的人 Access to detailed information preferable 提供获得详细信息的渠道较为可取 loans described individually, not aggregates 贷款进行单笔记录，而非总量描述 institutions providing credit identified 提供信贷的机构应可识别 * Complete records not fragmented by sector 不按行业分割的完整记录 Open system, not closed network 公开的系统, 而非封闭的网络 Avoid fragmentation of data among sectors 避免行业间数据的分割 Integrity and transparency are paramount (数据)完整性和透明度是至关重要的 special standing of any group, including owners or government, will discourage participation 不鼓励特殊群体如所有者或政府参与 Reciprocity not necessary 无须互惠 Restrictions to prevent “cherry-picking”要采取限制措施，以防搭便车行为 Distribution reflects privacy considerations 信息的发布须考虑到保护隐私 * Barron-Staten results on predictive power of positive information关于正面信息预测能力的结论 * Barron-Staten results on predictive power of positive information关于正面信息预测能力的结论 * Barron-Staten on importance of non-fragmented credit data无缺信用数据的重要性 * Barron-Staten on