小额融资和信用信息共享：发展趋势和关键问题.ppt

Micro Finance and Credit Information Sharing: Emerging Trends Key Issues小额融资和信用信息共享：发展趋势和关键问题 Credit information sharing contributes to… Lower interest rates More sustainable debt levels Better access to finance Some sources of micro credit information: Micro Credit Institutions (MCIs) = NGOs, for-profit lenders and cooperatives Banks NBFIs Wholesale retail merchants (e.g. vendors of consumer goods, durables or agricultural or industrial inputs) Public utility companies (gas, water, electricity, (cellular) telephone) Post dated checks Other businesses (accounts receivables) WB Study of Micro Credit Information Sharing—Phase1 世界银行关于小额信贷信息共享的研究－－第一阶段 1. Where how is micro credit information being formally shared? 小额信贷信息正在哪里并且怎样被分享？ [Litmus Test: Inclusion of Micro Credit Institutions (MCIs) = MC NGOs For-Profit Micro Lenders] 【测试：小额信贷机构的范围 小额信贷机构＝小额信贷非政府组织＋盈利性小额信贷机构】 2. What is the scope of micro credit information sharing? 小额信贷信息共享的范围是什么？ 3. What are the main factors key issues that determine the scope of micro credit information sharing? 决定小额信贷信息共享范围的主要因素和关键问题是什么？ Market structure of selected countries w/ formal micro credit information-sharing小额信贷信息共享在一些国家的市场结构 Integrating micro credit information 整合小额信贷信息 When does it make sense? Depends on… 这一举措什么时候产生效应？有赖于： Numbers of formal creditors 正式放贷者数目 Degree of client overlap 客户交迭的程度 How feasible is it? Depends on… 可行性怎样？有赖于： Ability to distinguish borrowers --unique IDs 区分借款者的能力－－唯一的身份鉴定 Level of development Scale of MCI operations 小额信贷机构的发展水平和规模 Problems of data quality/timeliness of reporting 数据质量和报告时间问题 Revenues must cover IT investments consultation fees 收入必须要超过信息技术投资和咨询费用 Demand for micro borrower data 对小额借款人资料的需求 How to achieve better integration? 怎样达到更好的整合？ Private Sector 私有部门 Organize into associations to:组成协会的形式 Lobby credi