商业信用信息在信贷风险分析中的重要性知识课件.pptVIP

消除信息孤岛 ELIMINATE THE ISLANDS OF INFORMATION 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 为什么需要商业信用信息？ THE CASE FOR TRADE INFORMATION 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 INFORMATION PROGRAMS RESULTING IN 560,000,000 TRADE EXPERIENCES ANNUALLY 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 谢 谢 THANK YOU 商业信息产业协会（BIIA）亚太及中东有限公司对任何使用本次讲演或报告中所包含信息的行为不负有责任。本次演讲不隐含或表达任何形式的保证 The Business Information Industry Association Asia Pacific – Middle East Ltd. is not responsible for the use which might be made of the information contained in this presentation or report. Nothing in this presentation implies or expresses a warranty of any kind. BIIA感谢：邓白氏澳大利亚公司（BIIA成员）为此份演示提供了商业信用信息服务方面的资料 BIIA EXPRESSES ITS GRATITUDE TO ITS MEMBER DUN BRADSTREET AUSTRALIA FOR CONTRIBUTING INFORMATION ON ITS TRADE INFORMATION SERVICES FOR THIS CONFERENCE THANK FOR INTRODUCTION THANK ORGANIZERS INTRODUCTORY COMMENTS I WAS ASKED TO SPEAK ABOUT HOW TRADE CREDIT DATA CAN COMPLEMENT THE BANKER’S VIEW OF CREDIT HISTORY ACCORDINGLY I WILL COVER … … TO BEGIN WITH I AM REPRESENTING THE INFORMATION INDUSTRY ASSOCIATION ASIA PACIFIC – MIDDLE EAST OUR MEMBERS ARE AS THE NAME IMPLIES IN THE BUSINESS OF BUSINESS INFORMATION, LARGELY CREDIT INFORMATION, CREDIT SULUTIONS, DECISION SYSTEMS, COMPANY AND MARKETING INFORMATION BIIA PROVIDES A NEUTRAL FORUM IN WHICH WE DEBATE AND RE