更广泛的信息共享有助于扩大信贷Broaderinformation...-精.pptVIP

更广泛的信息共享有助于扩大信贷 Broader information sharing expands credit 新兴市场国家发展私营征信机构所面临的挑战 Challenges in developing a private credit bureau in emerging markets “原有制度体系”：2006年摩洛哥的征信状况 The “Ancien Regime”: credit reporting situation in Morocco in 2006… 风险 Risks: 信用信息共享体制是分割的，缺乏长期愿景，存在地盘之争 Fragmentation of information sharing initiatives, lack of long term vision; turf battles; 主要贷款人不愿意共享信息（更不用说正面信息！） Reluctance of key lenders to share information (let alone positive information); 涉及所有利益相关人（贷款人、借款人）的规制框架不明确 Uncertain regulatory framework for all stakeholders (lenders, borrowers); 摩洛哥央行计划扩大其信贷登记，不设