443-征信机构的发展：国际趋势与最佳实践.pptVIP

使更多没有享受到金融服务的人能够获得服务 Increasing Access to Finance (A2F) for the underserved 征信机构在金融市场中的作用 Role of Credit Bureaus in financial markets 更广泛更公正地获得融资 Broader and Fairer Access to Credit: 减少借款人和贷款人之间的信息不对称，使更多的人获得融资，降低优质借款人的信贷成本 Decrease information asymmetries between borrowers and lenders, expand access to credit and lower the costs of credit for good borrowers 更好的贷款表现 Better performing loans: 使贷款人能够更准确地评估风险，提高贷款组合质量 Allow lenders to more accurately evaluate risks and improve portfolio quality 提高盈利性 Improve Profitability: 帮助推出信贷评分和自动化贷款审批工具，降低贷款人在零售和中小企业贷款中的操作成本，改善利润、资本充足率和计提要求 Support introduction of credit scoring and automated underwriting, lower lenders’ operational costs in retail SME lending, improve their margins, capital adequacy, and provisioning requirements 金融部门的稳定，对整个经济都能起到积极的影响 Stability in the financial sector, positive economywide effects 私营征信机构能够缓解融资难的问题 Private credit registries are associated with lower financing constraints 私营征信机构成长迅速 Private Credit Bureaus have grown rapidly 征信机构发展的国际趋势 International trends in credit bureau development 新兴市场的零售信贷业务大幅增加（1996~2004年期间增长了62%）High growth of retail credit in emerging markets (62% increase during 1996-2004) 在出现若干次消费信贷危机后，更加强调负责任的放贷行为 Move towards more responsible lending following various consumer loan crises 对征信的认知程度有所提升（例如，在东欧地区，私营征信机构的数量在2006年从5家增加到了12家）Increased awareness of credit reporting (e.g. in Eastern Europe the number of private credit bureaus rose from five to twelve in 2006) 由于数据库管理软件的成本不断降低，征信机构的开办费用更低了 Falling start-up costs for credit bureaus with decreasing costs of database management software 竞争加剧 Growing competition * * 中国天津 2007年6月21日 Tianjin, China June 21, 2007 征信机构的发展：国际趋势与最佳实践Credit Bureaus : International Trends Best Practices 国际金融公司全球金融市场部金融专家 斯泰方诺?斯多巴尼 Stefano Stoppani, Financial Specialist, Global Financial Markets 新兴市场国家和发展中国家面临的挑战 The Challenge in Emerging Developing Countries 在新兴和转型市场，处于金字塔底部的人群仍然享受不到金融服务 In emerging and transition markets, the Bottom of the P