征信系统公共政策全球概况.pptVIP

Two Key Public Policy Objectives两个关键的公共政策的目标 Promote development of credit information 促进信用信息的发展 Public good aspects of information 信息公众受益 Network externalities 网络向外延伸性 Importance of credit data for bank stability 信用数据对稳定银行系统的重要性 Protect consumer rights 保护消费者权益 Privacy rights, esp. for individuals 隐私权，尤其是个人 Promote competitive markets 促进发展自由竞争的市场 Public policy objectives both complementary and in conflict公共政策的目标相互补充和制约 To develop fully, information sharing requires appropriate privacy, confidentiality protections 实现完全的信息共享需要适度的隐私机密的保护 Development of credit reporting facilitates access to information, increases transparency of credit markets, thus eroding some privacy – both for borrowers and lenders 征信体系的发展促进信息的获取，提高信用市场的透明度，也会破坏借款人、贷款人的隐私 Trade-off between privacy, competition 隐私保护与促进竞争的权衡 Public Credit Registries公共征信系统 Compel complete reporting by regulated financial institutions – positive as well as negative data 强制被监管的金融机构提供完整的信息－正面的和负面的 Use in bank supervision as well as for credit analysis by banks用于银行监管和信用分析 Central Banks / Bank Supervisors perceived as safe place for sensitive data 中央银行/银行监管部门被视为存放敏感数据的场所 Public Registry Policies公共征信系统政策 Public registries also have more limited distribution of data than private registries 公共征信系统比私营征信系统在数据发布上有更多限制 Public registries typically have very limited consumer attention, including facilities to challenge erroneous data 公共征信系统一般很少得到消费者的关注，包括审查错误数据的机制 But public registry data is valuable for supervision, provides empirically significant results on probability of default 但是公共征信系统的数据对监管很有价值，提供了实证上非常有效的破产概率数据 Public registries can be part of a strategy for strengthening a nation’s credit reporting systems 建立公共征信系统可以成为加强国家征信系统的战略的一部分 Relationship between public private registries公共与私营征信系统的关系 Most frequent case is where there is no direct relationship 大多数案例中，两者没有关系 Increasingly, new strategies are being tried 新的策略越来越多被尝试 Chile, Peru where public registries provide data to private sector credit reporting f