【精品PPT】银行保密法对征信发展的影响.pptVIP

Impact of Bank Secrecy Laws on the Development of Credit Reporting银行保密法对征信发展的影响 David Medine Wilmer Cutler Pickering Hale and Dorr LLP Introduction to Credit Reporting关于征信的介绍 Credit reporting refers to the exchange of borrower payment history information between lenders 征信是指贷款人之间关于借款人还款历史信息的交换 data in credit reports enables lenders to better evaluate risk 信用报告中的数据使贷款人能够更好地评价风险 provides for automation of credit decision process 为信用决策过程自动化作准备 reduces time and cost of extending credit 减少提供贷款的时间和成本 often results in: 常常导致： expansion of credit markets 信贷市场的膨胀 more competition 更多的竞争 Introduction to Bank Secrecy银行保密法的介绍 Bank secrecy laws protect customers from unwanted distribution of their personal financial data 银行保密法保护客户，使其个人财务数据免于不必要的散布 Can encourage deposits 能够鼓励存款 Sometimes subject to criminal penalties 有时使触犯者受到刑事处罚 Reasons for Bank Secrecy Laws制定银行保密法的原因 Reasons for the existence of bank secrecy laws include: 银行保密法存在的原因包括： Legitimate reasons, often involving concealing wealth: 合法的原因，通常涉及隐蔽财产 avoid theft, extortion and kidnapping in developing countries 避免发展中国家的偷窃，勒索和绑架 protect against fraud 以防欺诈行为 general privacy concerns 一般的隐私考虑 Less savory: 不好的方面 tax evasion 逃避税赋 avoid legal obligations, e.g., child support or alimony 逃避法律责任，例如：孩子的抚养或赡养费 money laundering 洗钱 hide poor performing loans 隐瞒不良贷款 Relationship Between Bank Secrecy and Credit Reporting银行保密与征信的关系 Credit reporting is established in virtually every developed country 事实上，征信系统建立在每一个发达国家 But, still absent from many developing nations 但是，许多发展中国家还没有 Bank secrecy laws often cited as: 银行保密法通常被引用作为： primary reason for the absence of credit reporting or 没有信用报告的主要原因或 for significant limitations on credit reporting 信用报告有重大局限的原因 such as information sharing being restricted to negative information 例如：信息分享只限于负面的信息 Study Methodology研究方法论 Dataset developed on 84 countries 在84个国家基础之上发展起来的数据集 Information on their legal systems, bank secrecy and data protection laws and existence of public and private credit reporting 基于