优化利用征信数据，改善个人信贷决策.ppt

文档介绍：优化利用征信数据,改善个人信贷决策Optimising the use of the credit bureau
David Grafton
Executive General Manager
Credit Risk Management & Analytics
Retail Banking monwealth Bank of Australia (CBA)
澳大利亚联邦银行信贷风险管理部
执行总经理大卫格兰顿
导言 Introduction
很多国家都建立了征信机构 Most countries have a credit bureau
各国征信机构在数据收集和数据使用上存在较大差异 There is a lot of variation in the data they hold and how they are used
向征信机构提供数据符合所有信贷提供者的利益 It is in all credit providers interests to provide data to the bureau
我们银行每年花费500万美元从澳大利亚征信机构获得信用数据 My bank spends over US$5m on credit data from the Australian bureaux
我们每年的查询超过300万次 We make over 3 million enquiries each year
我们如何确保从征信机构获得最大价值? How can I make sure that I am getting the best value from the bureau?
何时需要进行查询,何时不需要? When do I need to enquire and when do I not need to?
在何种情况下我们可以只依赖于自有数据? When can I rely on my own data instead?
优化利用征信机构数据 Optimising the use of the credit bureau
信贷决策需要在信贷生命周期的每一时点进行 Credit decisions take place at each point of the life cycle
征信机构数据在每一阶段都会带来价值——只是各阶段的价值不同 The bureau adds value at each stage – but not equally
在信贷生命周期的每个阶段,以及对于进行查询的不同机构来说,查询的价值都会有所不同 The value of a bureau enquiry will be different at each stage of the lifecycle and for anisation making an enquiry
COLLECTIO
NS
ACQUISITION
T
T
COLLECTIO
行为 Behaviour
ACQUISITION
营销 Marketing
申请 Application
收帐 Collections
信贷生命周期 The Credit Lifecycle
1. 直接营销 Direct Marketing
ACQUISITION
T
T
ACQUISITION
营销 Marketing
获得新客户 Acquiring new customers
预先筛选 Prescreening
2. 贷款申请 Application
T
T
申请 Application
身份识别 Identify verification
信用审核 Credit checking
欺诈防范Fraud prevention
3. 行为 Behavioural
COLLECTIO
NS
T
T
COLLECTIO
行为 Behaviour
提高信贷额度
Credit limit increase
预先审批的服务/贷款 Pre-approved offers
客户评分 Customer score
Pre-approved Offer
低风险 Low Risk
高风险 High Risk
4. 收款 Collections
T
ARGETING
T
收款 Collections
NS
NS
MGMT
提前收款
Early collections
逾期收款
Late collections
追收和采取法律行动 Recovery and legal action
如何计算信用查询所带来的效益How to work out the value of a cre