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魏德明：征信系统零售信贷成功的基石.ppt

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Credit Bureau –
The Foundation for
essful Consumer Lending
by
Christian Weidemann
Agenda
Challenges for Automotive Financing
Advantages of a Nationwide Credit Bureau
Key Facts / Standard Handling
Example: Germany - Schufa
Next Steps
Challenges for Automotive Financing
Automotive Financing Challenges
Deregulation of Used Car Market
Elimination of Cumbersome Procedures
Nationwide Credit Bureau Missing
Securities for Car Financing
Variation of Regional & Local Government Regulations
Regulated Interest Rates
Advantages of a Nationwide Credit Bureau
Micro Economical Impact
Profitability Improvements
Statistical Data Collection
On-line Data Access
Potential Link to Automated Scoring Systems
Same Information for All Concerned Parties
Macro Economical Impact
Partial Elimination of Fraud / Minimizing Risk
Availability of Updated Information
Availability of Data Infra-Structure
Easy Data Management for Other Debt Related Industries
Bad Debt/Loss Ratio Improvement
Key Facts / Standard Handling
Legal Structure / Shareholding
Creation of a Data Pool or Link between Different Data Pools
High Standards for Data Protection / Reciprocity
Participants in Information Sharing
Limited Access to Data Pools via Registration
Win – Win Situations for Participants
On-going Update of Information During a Contractual Relationship
Offer of Mathematical/Statistical Based Scoring Methods on

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