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Public Policy for Credit Reporting Systems Workshop Group A Motivating Lenders to Share Their Data…. Is there a Role for the Public Sector? Is there a Role for the Public Sector? What are the Pitfalls of Such Intervention? Significant Incentives / Benefits for Banks Workshop Group A * Motivating Lenders to Share Their Data Is there a Role for the Public Sector: In Jump-Starting Information Sharing? What are the Pitfalls of Such Intervention? /game/489.html 蝙蝠侠：阿卡姆起源 Yes, Lenders Can Be Motivated, but …. ? Without Central Bank Mandate no Information Sharing. Time Wasted though Lack of Action! Mandate the Use of Shared Data in Risk Assessment Penalties for Non-compliance Forced Provisioning Higher Capital Requirements Legal Framework Support Pilot Studies Assistance in Start-ups Set Rules and Operating Requirements Issues License for Credit Bureau Operators Conducts Compliance Audits Access to Public Registers Safeguard Privacy and Confidentiality Central Bank is Responsible for Financial Health of the Financial Sector NONE: Because the Health of the Financial System and Economy is at Stake! Significant Incentives / Benefits for Banks and other Credit Grantors through the Use of Data Sharing Empirical Studies: Value of Data Sharing Enhances Lending – Benefit to Consumers and Businesses – Economy Greater Penetration of Credit Accurate Risk Prediction – Fraud Prevention Substantially Lower Loan Defaults More Value Added Products: Automated Decision Processes Fraud Prevention / Scoring and Monitoring Cost Reduction through Volume Discounts Lower Cost in Credit Process What’s Holding You Up? 学习动物精神 11、机智应变的猴子：工作的流程有时往往是一成不变的，新人的优势在于不了解既有的做法，而能创造出新的创意与点子。一味 地接受工作的交付， 只能学到工作方法 的皮毛，能思考应 变的人，才会学到 方法的精髓。 学习动物精神 12、善解人意的海豚：常常问自己：我是主管该怎么办才能有助于更好的处理事情的方法。在工作上善解人意， 会减轻主管、共 事者的负担，也 让你更具人缘。 * * *