信用登记提高银行风险监管能力的工具89.pptVIP

Credit Registers: a Tool for Improved Bank Risk Regulation and Supervision. 信用登记：提高银行风险监管能力的工具  Jerry Caprio The World Bank世界银行 ….. BejingSeptember 29, 2004北京2004年9月29日 Outline of the presentation讲演大纲 CR Access to credit market信用登记与信贷市场准入 CR Access to credit market信用登记与信贷市场准入 From Access to Credit to Credit Risk Management 从信贷市场准入到信贷风险管理 CR Credit Risk Management信用登记与信用风险管理 CR Credit Risk Management信用登记与信用风险管理 From Risk Management to Risk Based Supervision从风险管理到风险性监管 CR Risk Based Supervision信用登记与风险性监管 CR Risk Based Supervision信用登记与风险性监管 CR Bank Capital Regulation信用登记与银行资本金监管 CR Bank Capital Regulation信用登记与银行资本金监管 CR Bank Capital Regulation信用登记与银行资本金监管 CR Bank Capital Regulation信用登记与银行资本金监管 CR Bank Capital Regulation信用登记与银行资本金监管 CR Bank Capital Regulation信用登记与银行资本金监管 CR: Open Challenges信用登记：充满未知的挑战 CR: Open Challenges信用登记：充满未知的挑战 CR: Open Challenges信用登记：充满未知的挑战 * * Credit Registers are tools intended to broaden the access to credit markets … 信用登记着眼于拓宽信贷市场进入渠道… 2. … making possible better risk assessments on the part of the banks ... 使银行部门可能更好地进行风险评估… … in addition they may be a tool for more advanced risk based supervision… … 此外还有利于开展高级风险性监管 … … as in the case of the assessment of bank capital requirements... ... 同银行资本金要求的评估相似... …but important challenges lie ahead!! ... 但面临着重大的挑战!! ... Banks often do not lend to individual customers lacking “physical collateral” … 银行通常不向缺少实物担保的个人提供贷款 … and therefore restrict their credit to their wealthiest customers. …因此他们向最富有客户的信贷受到了限制 A good credit record represents an alternative and “wealth free” collateral: a “reputation collateral”… 良好的信用记录反映了另一种非财产担保的方式：信誉担保 ... that allows banks to lend to all customers independently from their wealth. ...这就使银行可向所有客户贷款而不需考虑他们的财产状况 World Bank research shows that lending may increase substantially, without increasing the risk exposure, when banks supplement their own information with that provided by Cre