SmallBusinessScoring小企业评分.ppt

Small Business Scoring 小企业评分,September, 2004 2004年9月,Cheryl St John,Agenda议程,Project scope 项目范围 Small business pooled models 小企业集合模型 Preliminary results in Latin America 在拉丁美洲的初步成效 Next Steps 后续步骤,Agenda议程,Project scope 项目范围 Small business pooled models 小企业集合模型 Preliminary results in Latin America 在拉丁美洲的初步成效 Next Steps 后续步骤,Small business in Latin America 拉丁美洲的小企业,Economic growth and social development by being the leading source of employment 作为最重要的就业渠道促进经济增长和社会发展 In Colombia the small business sector employs 63% of work force 在哥伦比亚小企业雇佣了63的劳动力 In Mexico 78% of work force 在墨西哥小企业雇佣了78的劳动力 Majority of production is for internal consumption 大部分产品供国内消费 Colombia 25% internal production 哥伦比亚25国内产品 Mexico 68% internal production 墨西哥68国内产品 Credit availability plays a fundamental role for survival of the small business 信用的可得性对小企业的生存起着基础性的作用 Small businesses have limited access to funding and consequently to the newest technology 小企业融资渠道受到限制从而导致最新技术的使用受到限制,Small business in Latin America 拉丁美洲的小企业,Investigate deficiencies in small business credit 小企业信用的调查研究不足 No business plan 没有商业计划 Legal constitution 法律章程 Access to credit 得到信用的途径 Sources of credit 信用的来源 Own resources 自己的财力 reinvestment of revenues and capital from partners 收入再投资及从股东处取得的资本 Credit from providers 从供应商处得到的信用 short term credit, high interest rates and guarantee 短期信用，高利率和保证 Family and friends 亲属和朋友 Bank medium to long credit term. 一小部分的小企业能取得这种中期到长期的信用形式,Deficiencies in the small business lending 小企业借款缺乏,Identify improvements in the banking and lending industry to allow small businesses growth and development 认识银行业和贷款企业在允许小企业成长和发展中的进步 Manage overall portfolio risk 控制总业务量风险 Streamline operations for increased cost efficiencies 优化操作以增进成本效率 Increase number of profitable relationships 增加可获利的关系 Identify predictive data elements to analyze the credit risk 识别有预测性的数据要素来分析信用风险,How scoring technology can help the lenders? 评分技术是怎样帮助贷款人的呢？,Reduces cost by increasing efficiency and speed 通过增加效率和速度来减少成本 Make consistent ranking of risk and objective decisions 建立一致的风险评分等级和客观决策 Accurate risk prediction 精确的风险预测 Majority of risk identified at origination! 大多数的风险在产生时就会被识别出来！ Competitive edge 竞争优势 Faster response times 更快的反应时期 Better risk assessment 更好的风险估计,Agenda议程,Project scope 项目范围 Small business pooled models 小企业集合模型 Preliminary results in Latin America 在拉丁美洲的初步成效 Next Steps 后续步骤,Fair Isaac expertise with financial institutions Fair Isaac 为金融机构提供专门技术,Small business definition- United States 小企业的定义美国,Annual Sales of up to $5 million 年销售额最高达到5百万美元 Credit of up to $250,000 信用最高达到25万美元 Types of Small Businesses: 小企业的类型： Sole Proprietors 个体所有者 Partnerships 合伙企业 Corporations 公司,The beginning of Small Business Scoring Service (SBSS) in the United States 小企业评分机构在美国的起步,Fair Isaac partners with Robert Morris Associates (RMA) Fair Isaac 与Robert Morris Associates (RMA) 成为合伙企业 17 banks each contribute 100 goods, 100 bads, 100 declines 17家银行每一家都提供100家好的，100家坏的，100家信用下降的小企业的资料 Precoding sheets filled out by hand 手工填写预先编好的表格 Paper credit bureau reports 纸质的信用局报告 Fair Isaac data entry staff creates electronic database Fair Isaac 的数据输入人员创建了电子数据库 1995 - Fair Isaac SBSS releases the first empirically derived commercial scorecards 1995年，Fair Issac 小企业评分机构发布了首批完全来自于实际数据的商业记分卡,Small Business Pooled Models improvements 小企业集合模型的进步,Over 250,000 small businesses contributed by 25 banks 25家银行提供的25万多家小企业信息 Data extracted electronically from application processing and master billing file systems 100% availability of consumer bureau information 从申请处理和主帐单文件系统中电子化提取的数据 ，消费信用局信息100可得 Business data provides increase in predictive power 商业数据提高了预测力 Application 申请 Business reports 商业报告 Financial statements 财务报表 2001 - Fair Isaac releases second generation of commercial scorecards 2001年，Fair Isaac 发布了第二代商业记分卡 Currently building the New Small Business Pooled Models 现在正在建立新的小企业集合模型,Small business scoring pooled models in Asia 亚洲的小企业评分集合模型,Pooled Models in Japan 日本的集合模型 Over 3,500 small businesses contributed by 13 banks 13家银行提供的3500多家小企业信息 Data transferred from application processing and master billing file systems and availability of consumer bureau information 从申请处理和主帐单文件系统中传出的数据及消费信用局信息的可得性 Business data provides increase in predictive power 商业数据提高了预测力 Application 申请 Business reports 商业报告 Financial statements 财务报表 Currently building pooled models in China 现在正在中国建立集合模型,Agenda议程,Project scope 方案范围 Fair Isaac experience Fair Isaac的经验 Small business pooled models 小企业集合模型 Preliminary results in Latin America 拉丁美洲的初步成效 Next Steps 后续步骤,Small business definition - Latin America 小企业的定义拉丁美洲,COLOMBIA 哥伦比亚 Number of Employees up to 200 雇员人数最高达到200 Annual Sales of up to $1 million 年销售额最高达到1百万美元 Credit of up to $200,000 信用最高达到20万美元 Types of Small Businesses: 小企业的类型： Sole Proprietors 个体经营者 Partnerships 合伙企业 Corporations 公司,MEXICO 墨西哥 Number of Employees up to 100 雇员人数最高达到100 Annual Sales of up to $500,000 年销售额最高达到50万美元 Credit of up to $200,000 信用最高达到20万美元 Types of Small Businesses: 小企业的类型： Sole Proprietors 个体经营者 Partnerships 合伙企业 Corporations 公司,There is no consistent definition within lenders in Latin America. 在拉丁美洲贷款人对小企业没有一致的定义,Distribution by business activity 经济活动分布,COLOMBIA 哥伦比亚,MEXICO 墨西哥,Acceptance and booked rates 接受率和登记率,Distribution of delinquencies 违约的分布,Application processing time 处理申请的时间,D AYS 天数,0,2,4,6,8,10,12,Colombia 哥伦比亚,Mexico 墨西哥,Agenda议程,Project scope 项目范围 Fair Isaac experience Fair Isaac 的实践经验 Small business pooled models 小企业集合模型 Preliminary results in Latin America 在拉丁美洲的初步成效 Next Steps 后续步骤,Pooled data development sampling 集合数据发展抽样,A random representative portion of accounts with known payment behavior plus declined accounts 一部分随机的有代表性的已知支付行为的帐户加上信用下降的帐户 Data provided by all institutions participating in the pool 所有参与这个集合的机构所提供的