商业信用信息在信贷风险分析中的重要性：补全银行的全面...2.ppt

September 2006 FEBIS ANNUAL CONFERENCE 2006 - WWW.BIIA.COM - All Rights Reserved - June 2007 TIANJIN, CHINA BUSINESS INFORMATION INDUSTRY ASSOCIATION ASIA PACIFIC - MIDDLE EAST All Rights Reserved - Prepared by Joachim C. Bartels - ieijcb@ 演讲内容 DISCUSSION TOPICS 演讲内容 DISCUSSION TOPICS 关于两个利益相关者的故事 THE CASE OF TWO STAKE HOLDERS 两个利益相关者 TWO STAKE HOLDERS 演讲内容 DISCUSSION TOPICS 信息孤岛 ISLANDS OF INFORMATION 演讲内容 DISCUSSION TOPICS 错过的信号 MISSED SIGNALS 错过的信号 MISSED SIGNALS 错过的信号 MISSED SIGNALS Cumminscorp公司的案例 THE CASE OF COMMINSCORP LTD. Cumminscorp公司的案例 THE CASE OF COMMINSCORP LTD 演讲内容 DISCUSSION TOPICS 成功因素——信息 SUCCESS FACTORS - INFORMATION 商业交换信息 TRADE INFORMATION EXCHANGE 商业信用信息的重要性 IMPORTANCE OF TRADE 及时性（T）和频率（F） TIMELINESS AND FREQUENCY 信贷风险评分的预测能力曲线 PREDICTIVE POWER CURVE OF CREDIT RISK SCORE 更准确的风险预测 HIGHER ACCURACY IN RISK PREDICTION 理想的信贷运作 OPTIMAL LENDING 贸易收支分析——年度趋势 Trade Payment Analysis - Annual Trend 贸易收支数据分析 ANALYZING TRADE PAYMENT DATA 贸易收支分析——行业趋势 TRADE PAYMENT ANALYSIS – INDUSTRY TREND 贸易收支分析——按年比较 TRADE PAYMENT ANALYSIS – YEARLY COMPARISON 将贸易收支信息用于金融业 UTILISING TRADE PAYMENT INFORMATION IN THE FINANCE SECTOR 演讲内容 DISCUSSION TOPICS 共同的需求 COMMON NEEDS 共享贷款信息 SHARING OF LOAN INFORMATION 消除信息孤岛 ELIMINATE THE ISLANDS OF INFORMATION 为什么需要商业信用信息？ THE CASE FOR TRADE INFORMATION 中国人民银行、国际金融公司国际研讨会 PEOPLE’S BANK OF CHINA AND INTERNATIONAL FINANCE CORPORATION SYMPOSIUM 银行数据库 BANK DATABASE 银行内部系统 BANK INTERNAL SYSTEMS 信息公司数据库 INFORMATION COMPANY DATABASE 商业信用信息 TRADE INFORMATION 银行征信机构数据库 BANK BUREAU DATABASE 征信机构系统 CREDIT BUREAU SYSTEMS 商业信用信息是预测潜在经营失败和付款拖欠的最具预测力的指标 TRADE IS THE MOST PREDICTIVE INDICATOR FOR POTENTIAL BUSINESS FAILURES AND PAYMENT DELAYS 90%的破产企业出现过拖欠、不稳定的或低于行业平均水平的还款行为 90% OF BANKRUPT COMPANIES EXHIBITED DELAYED, FLUCTUATING OR BELOW INDUSTRY AVERAGE PAYMENT BEHAVIOR 6000多名商业信用经理和300多家银行参与了商业信用信息共享计划，他们每年能提供5.6亿宗商业信用信息 OVER 6,000 TRADE CREDIT MANAGERS AND OVER 300 BANKS CONTRIBUTE TO TRADE INFORMAT