銀行風(fēng)險(xiǎn)監(jiān)管能力的工具(已修改)
2025-05-28 15:28 本頁(yè)面
【正文】 Credit Registers: a Tool for Improved Bank Risk Regulation and Supervision. 信用登記：提高銀行風(fēng)險(xiǎn)監(jiān)管能力的工具 Jerry Caprio The World Bank 世界銀行 … .. Bejing September 29, 2021 北京 2021年 9月 29日 Outline of the presentation 講演大綱 1. Credit Registers are tools intended to broaden the access to credit markets … 信用登記著眼于拓寬信貸市場(chǎng)進(jìn)入渠道 … 2. … making possible better risk assessments on the part of the banks ... 使銀行部門可能更好地進(jìn)行風(fēng)險(xiǎn)評(píng)估 … 3. … in addition they may be a tool for more advanced risk based supervision… … 此外還有利于開展高級(jí)風(fēng)險(xiǎn)性監(jiān)管 … 4. … as in the case of the assessment of bank capital requirements... ... 同銀行資本金要求的評(píng)估相似 ... 5. …but important challenges lie ahead!! ... 但面臨著重大的挑戰(zhàn) !! ... CR amp。 Access to credit market 信用登記與信貸市場(chǎng)準(zhǔn)入 ? Banks often do not lend to individual customers lacking “physical collateral” … 銀行通常不向缺少實(shí)物擔(dān)保的個(gè)人提供貸款 ?… and therefore restrict their credit to their wealthiest customers. … 因此他們向最富有客戶的信貸受到了限制 ? A good credit record represents an alternative and “wealth free” collateral: a “reputation collateral”… 良好的信用記錄反映了另一種非財(cái)產(chǎn)擔(dān)保的方式：信譽(yù)擔(dān)保 ? ... that allows banks to lend to all customers independently from their wealth. ...這就使銀行可向所有客戶貸款而不需考慮他們的財(cái)產(chǎn)狀況 CR amp。 Access to credit market 信用登記與信貸市場(chǎng)準(zhǔn)入 ? World Bank research shows that lending may increase substantially, without increasing the risk exposure, when banks supplement their own information with that provided by Credit Registers (Majnoni et al. 2021). 世行研究表明，若銀行將已有信息同信用登記所提供的信息結(jié)合起來(lái)，信貸大幅增長(zhǎng)的同時(shí)不會(huì)帶來(lái)風(fēng)險(xiǎn)敞口的擴(kuò)大 (Majnoni et al. 2021) 。 ? Evidence from Argentina and Brazil shows: 阿根廷和巴西的經(jīng)驗(yàn)證明： ? that a small bank, when adding CR data in its creditworthiness assessment, could increase its lending up to 30% without increasing its risk。 小型銀行若在對(duì)信用可靠度進(jìn)行評(píng)估時(shí)添加信用登記提供的數(shù)據(jù)，可以增加高達(dá) 30%的貸款而不至增加風(fēng)險(xiǎn)； ? gains are higher for smaller banks. 對(duì)小型銀行而言收益更高。 From Access to Credit to Credit Risk Management 從信貸市場(chǎng)準(zhǔn)入到信貸風(fēng)險(xiǎn)管理 Credit information sharing by improving banks’ risk assessment helps banks: 通過(guò)改善銀行風(fēng)險(xiǎn)評(píng)估的信貸信息共享有助于銀行： ? to extend credit to new previously rationed but creditworthy customer. By affecting credit origination CRs improve the access to bank credit. 向新的客戶提供信貸 ,這些新客戶之前得不到足夠的貸款但卻具有良好信用度。通過(guò)影響信用機(jī)構(gòu)，信用登記可以提高銀行信貸的可得性。 ? to mea
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