征信机构产品在信用卡业务中的应用11【企业信用管理】.pptVIP

* * ES solution provides full compliance for Basel II requirements and it’s based on best practice risk management. The different software components include: Integrated decision system And the Basel II components Covering the customers origination and management throughout the customer decision cycle (from origination to loss). * * * * * * * * Use this slide to reference the time line. This client compared each point in time when a triggered occurred to 30 days (basically the difference 30-x) to determine a cost. This total cost ended up being the savings of $2m. For instance, if a BK occurred on Day 3 then they would calculate how much they would have lost if they found out about the BK on Day 30 (a normal account review). The difference would be added with all the other results which would be ultimately the amount they’d be saving by using Triggers. This is the power of speed! * This slide emphasizes the importance of Risk Triggers and clearly shows how a bank can put itself in risk by not taking immediate action. * * * * * Page * Basel II Accord Part H – Solution for Requirements 围绕信贷生命周期的各类定制模型 Various Custom Models for Credit Life Cycle 增强活跃程度和使用次数 Increase activation and usage 行为记分卡 Behaviour Scorecard 触发因素/事件记分卡 Trigger/Event Scorecard 盈利性记分卡 Profitability Scorecard 交易欺诈记分卡 Transaction Fraud Scorecard 客户价值最大化 Maximise customer value 偏好记分卡 Propensity Scorecard 回应记分卡 Response Scorecard 提高收款和坏帐回收额 Improve collections and recovery values 收款记分卡 Collection Scorecard 坏帐回收记分卡 Recovery Scorecard 使保留收入最大化 Maximise retained revenues 保留/消耗记分卡 Retention / Attrition Scorecard 再激活记分卡 Reactivation Scorecard 通过吸引新客户来实现市场份额和盈利的最大化 Maximise market share and profitability by attracting new customers 预先筛选记分卡 Pre-Screen Scorecard 回应/收入记分卡 Response / Revenue Scorecard 新客户登记 Registering new customers 贷款申请记分卡 Application Scorecard 破产记分卡 Bankruptcy Scorecard 欺诈记分卡 Fraud Scorecard 营销 新业务 收款 回收 账户管理 保留 再激活 交叉销售 追加销售 Page * 二维风险级别 Two-Dimensional Risk Grading 根据通用和定制风险模型的二维矩阵形成战略