SmallBusinessScoring小企业评分.ppt

Small Business Scoring Small Business Scoring小企业评分  September, 2004 2004年9月 Agenda议程 Agenda议程 Small business in Latin America拉丁美洲的小企业 Economic growth and social development by being the leading source of employment 作为最重要的就业渠道促进经济增长和社会发展 In Colombia the small business sector employs 63% of work force 在哥伦比亚小企业雇佣了63％的劳动力 In Mexico 78% of work force 在墨西哥小企业雇佣了78％的劳动力 Majority of production is for internal consumption 大部分产品供国内消费 Colombia 25% internal production 哥伦比亚25％国内产品 Mexico 68% internal production 墨西哥68％国内产品 Credit availability plays a fundamental role for survival of the small business 信用的可得性对小企业的生存起着基础性的作用 Small businesses have limited access to funding and consequently to the newest technology 小企业融资渠道受到限制从而导致最新技术的使用受到限制 Small business in Latin America拉丁美洲的小企业 Investigate deficiencies in small business credit 小企业信用的调查研究不足 No business plan 没有商业计划 Legal constitution 法律章程 Access to credit 得到信用的途径 Sources of credit 信用的来源 Own resources 自己的财力 reinvestment of revenues and capital from partners 收入再投资及从股东处取得的资本 Credit from providers 从供应商处得到的信用 short term credit, high interest rates and guarantee 短期信用，高利率和保证 Family and friends 亲属和朋友 Bank Financial Institution Credit 银行和金融机构信用 small percentage of the small business have access to this type of credit; medium to long credit term. 一小部分的小企业能取得这种中期到长期的信用形式 Deficiencies in the small business lending 小企业借款缺乏 Identify improvements in the banking and lending industry to allow small businesses growth and development 认识银行业和贷款企业在允许小企业成长和发展中的进步 Manage overall portfolio risk 控制总业务量风险 Streamline operations for increased cost efficiencies 优化操作以增进成本效率 Increase number of profitable relationships 增加可获利的关系 Identify predictive data elements to analyze the credit risk 识别有预测性的数据要素来分析信用风险 How scoring technology can help the lenders?评分技术是怎样帮助贷款人的呢？ Reduces cost by increasing efficiency and speed 通过增加效率和速度来减少成本 Make consistent ranking of risk and objective decisions 建立一致的风险评分等级和客观决策 Accurate risk prediction 精确的风险预测 Major