企业与消费者数据在商业贷款中的应用.pptVIP

Integrating Business andConsumer Data in the Commercial Lending Process- UK Market Experience Bernie Grady Product Director Experian Agenda Brief Overview of Experian Overview of the UK Market How we integrate the data to increase the power of Business Information The benefits of this approach to commercial lenders The challenges for users of integrated data How Experian has resolved these issues Questions Company profile Annual sales in excess of$2.1 billion 13,000 people worldwide Offices in 22 countries including Hong Kong Sydney Melbourne Tokyo Seoul More than 40,000 clients in over 60 countries Part of the GUS Group Our parent company - GUS plc  Experian’s annual sales are in excess of $2.1 billion Experian helps organisations worldwide make fast, informed decisions What kind of decisions? Whether to accept or reject a credit application What credit limit to offer Which company to trade with Whether a credit application is fraudulent Whom to select for a new gold card What premium to set for an insurance policy Where to locate a new retail store Which pages to show to a web site visitor Whether a second hand car has been stolen or written off Our major client sectors Some of our clients Abbey National Alliance Leicester American Express AOL Time Warner Bangkok Bank Bank One Bank America Barclays Capital One Chase Citigroup Douglas Dao Heng Bank GE Capital HSBC JCB Lloyds TSB MBNA Morgan Stanley National Australia Group Royal Bank of Scotland Sears Société Générale Standard Chartered Bank Toyota Finance Vodafone The UK Market Political/Economic Environment 1.8m Ltd companies 3.0m+ Non-Ltd companies Government focus on small companies and self-employment Recent Tax legislation Bankruptcy legislation Reduced filing requirements 18% of people in the UK are now self-employed, compared to 7% in the US The UK Market Regulatory Environment – Ltd Companies All Ltd companies must register with Companies House Companies House is respo