文档介绍：“征信产品在商业银行信用风险管理中的应用” 国际研讨会 SYMPOSIUM ON “CREDIT REPORTING AND RETAIL & SME FINANCE” 主办 Sponsored by: 中国人民银行 The People’s Bank of China 国际金融公司 International Finance Corporation 2007年6月20-21日中国天津 20-21 June 2007 Tianjing, China
如何在住房按揭贷款中有效地使用征信机构服务 HOW TO USE CREDIT BUREAUS TO DO BETTER MORTGAGE LENDING
主讲人 By
国际金融公司住房融资咨询顾问 N科库拉鲁潘
N. Kokularupan Consultant, Housing Finance Group, International Finance Corporation
本演讲内容系作者观点,并不代表国际金融公司的观点
Views expressed in this paper are that of the author and does not represent the views of IFC
导言 INTRODUCTION
什么是征信 What is Credit Reporting
- 对财务关系表现信息的收集、共享和分发的过程 Process of gathering, sharing and distributing information regarding performance of financial relationships
征信服务可以由以下机构提供 Credit Reporting can fall under
(a) 征信机构 Credit Bureaus
(b) 公共信贷登记系统 Credit Registries
征信机构和公共信贷登记系统在运营方面有区别 Operational differences between a Credit Bureau and a Credit Registry
信用信息系统的特征 ATTRIBUTES OF A CREDIT INFORMATION SYSTEM
最好同时包括负面和正面信息
Contains both negative and positive information
- 可信赖 Trust
- 可靠且全面的数据 Reliable prehensive data
美国的征信机构 CREDIT REPORTING AGENCIES IN USA
美国的3大征信机构: USA – 3 major credit reporting agencies namely:
- Experian、Equifax和TransUnion
Experian, Equifax and Trans Union
- 属私营机构 panies
信贷评分 CREDIT SCORES
衡量逾期或违约风险的数值结果 Numbers calculated to measure risk of delinquency or default
被美国大多数住房按揭贷款人用于借款人评级 Used by most mortgage lenders in US to rank borrowers
确定借款人是否符合借贷条件 Determine borrowers’ qualifications for a loan
放贷额度 Quantum of loan
按揭利率 Mortgage rate
信贷评分的使用日益普遍 GROWTH IN USE OF CREDIT SCORES
信贷评分使用率的增长源于: Increasing use of credit scores results from:
技术进步 Technological advances
风险定价 Risk-based pricing
消费者越来越能够直接获得信贷评分 Increasing direct consumer access for credit scores
个人信用报告 CONSUMER CREDIT REPORT
收录了个人信用偿还历史的实际记录 Contains factual record of individual’s credit payment history
包括四大方面内容: Generally covers 4 broad areas:
身份识别信息 Identifying information
所有账户的信用信息 Credit i