小企業(yè)貸款信用評分-文庫吧
2025-04-27 16:47 本頁面
【正文】 p。 Financial Institution Credit 銀行和金融機(jī)構(gòu)信用 ? small percentage of the small business have access to this type of credit。 medium to long credit term. ?一小部分的小企業(yè)能取得這種中期到長期的信用形式 6 Copyright 169。 20xx Fair Isaac Corporation. All rights reserved. Deficiencies in the small business lending 小企業(yè)借款缺乏 ? Identify improvements in the banking and lending industry to allow small businesses growth and development ? 認(rèn)識(shí)銀行業(yè)和貸款企業(yè)在允許小企業(yè)成長和發(fā)展中的進(jìn)步 ? Manage overall portfolio risk ? 控制總業(yè)務(wù)量風(fēng)險(xiǎn) ? Streamline operations for increased cost efficiencies ? 優(yōu)化操作以增進(jìn)成本效率 ? Increase number of profitable relationships ? 增加可獲利的關(guān)系 ? Identify predictive data elements to analyze the credit risk ? 識(shí)別有預(yù)測性的數(shù)據(jù)要素來分析信用風(fēng)險(xiǎn) 7 Copyright 169。 20xx Fair Isaac Corporation. All rights reserved. How scoring technology can help the lenders? 評分技術(shù)是怎樣幫助貸款人的呢？ ? Reduces cost by increasing efficiency and speed ? 通過增加效率和速度來減少成本 ? Make consistent ranking of risk and objective decisions ? 建立一致的風(fēng)險(xiǎn)評分等級(jí)和客觀決策 ? Accurate risk prediction ? 精確的風(fēng)險(xiǎn)預(yù)測 ? Majority of risk identified at origination! ? 大多數(shù)的風(fēng)險(xiǎn)在產(chǎn)生時(shí)就會(huì)被識(shí)別出來！ ? Competitive edge ? 競爭優(yōu)勢 ? Faster response times ? 更快的反應(yīng)時(shí)期 ? Better risk assessment ? 更好的風(fēng)險(xiǎn)估計(jì) 8 Copyright 169。 20xx Fair Isaac Corporation. All rights reserved. Copyright 169。 20xx Fair Isaac Corporation. All rights res rved. Agenda議程 ? Project scope ? 項(xiàng)目范圍 ? Small business pooled models ? 小企業(yè)集合模型 ? Preliminary results in Latin America ? 在拉丁美洲的初步成效 ? Next Steps ? 后續(xù)步驟 9 Copyright 169。 20xx Fair Isaac Corporation. All rights reserved. Fair Isaac expertise with financial institutions Fair Isaac 為金融機(jī)構(gòu)提供專門技術(shù) 10 Copyright 169。 20xx Fair Isaac Corporation. All rights reserved. Small business definition United States 小企業(yè)的定義－美國 ? Annual Sales of up to $5 million ? 年銷售額最高達(dá)到 5百萬美元 ? Credit of up to $250,000 ? 信用最高達(dá)到 25萬美元 ? Types of Small Businesses: ? 小企業(yè)的類型： ? Sole Proprietors ? 個(gè)體所有者 ? Partn
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