【正文】 The material in this presentation is the property of Fair Isaac Corporation. This material has been provided for the recipient only, and shall not be used, reproduced, copied, disclosed, transmitted, in whole or in part, without the express consent of Fair Isaac Corporation. 169。 2022 Fair Isaac Corporation. Confidential. 征信產(chǎn)品在商業(yè)銀行信用風(fēng)險管理中的應(yīng)用高級研討會 信貸評分方法在建立可持續(xù)的中小企業(yè)信貸業(yè)務(wù)中的作用 What Roles Can Credit Scoring Methodology Play in Building Sustainable SME Portfolio 2 169。 2022 Fair Isaac Corporation. Confidential. ?導(dǎo)言 Introduction ?中小企業(yè)的定義 The Small and Medium Enterprise (SME) defined ?數(shù)據(jù)對中小企業(yè)信貸決策的作用 The Relevance of Data for SME decisionmaking ?貫穿中小企業(yè)客戶生命周期的信貸評分工具 Credit Scoring across the SME account life cycle ?結(jié)論 Conclusion 議程 AGENDA 3 169。 2022 Fair Isaac Corporation. Confidential. ?導(dǎo)言 Introduction ?中小企業(yè)的定義 The Small and Medium Enterprise (SME) defined ?數(shù)據(jù)對中小企業(yè)信貸決策的作用 The Relevance of Data for SME decisionmaking ?貫穿中小企業(yè)客戶生命周期的信貸評分工具 Credit Scoring across the SME account life cycle ?結(jié)論 Conclusion 議程 AGENDA 4 169。 2022 Fair Isaac Corporation. Confidential. 中型和小型企業(yè)（中小企業(yè)）詳細(xì)定義 The Small and Medium Enterprise (SME) defined ?設(shè)定背景／對經(jīng)濟(jì)的貢獻(xiàn) Setting the context/Economic relevance: ? 歐洲 Europe ? 拉丁美洲 Latin America ? 美國 US ? 中國 China 5 169。 2022 Fair Isaac Corporation. Confidential. 設(shè)定背景（歐盟）：歐洲委員會關(guān)于中小企業(yè)的官方定義 Setting the context (EU): European Commission official definition of an SME* ?具有以下特征的企業(yè) … A business entity that… ? 員工人數(shù)少于 250人 Has no more than 250 employees ? 單個更大企業(yè)股東單獨(dú)或聯(lián)合持有的股份少于 25％ Is not more than 25% owned, either singly or jointly, by a larger pany ? 年銷售額少于 4300萬歐元 Has an annual turnover of no more than €43 million *歐洲委員會－－布魯塞爾， 2022年 5月 6日 European Commission – Brussels May 6, 2022 6 169。 2022 Fair Isaac Corporation. Confidential. 設(shè)定背景（歐盟）：對經(jīng)濟(jì)的貢獻(xiàn) Setting the context (EU): Economic relevance ?微型和中小企業(yè)對社會和經(jīng)濟(jì)起著十分重要的作用 Micro, small and mediumsized enterprises are socially and economically important ? 歐盟 99％的企業(yè)為微型和中小企業(yè) Represent 99% of all enterprises in the EU ? 這些企業(yè)提供了 6500萬個就業(yè)機(jī)會 Provide around 65 million jobs ? 為放貸人帶來許多業(yè)務(wù)成長機(jī)會 Lot’s of growth opportunities for lenders ? 2022年 Eurobarometer對創(chuàng)業(yè)精神的調(diào)查：在過去三年中，只有 4％的歐洲人參與了企業(yè)創(chuàng)辦（而美國的這一比例接近 12％） 2022 Eurobarometer survey on entrepreneurship: Only 4% of Europeans involved in setting up a business in last 3 years (US rate is close to 12%) 7 169。 2022 Fair Isaac Corporation. Confidential. 設(shè)定背景（拉丁美洲）：小企業(yè)定義 Setting the context (Latin America):Small business definition 哥倫比亞 COLOMBIA ? 員工人數(shù)不超過 200人 Number of Employees up to 200 ? 年銷售額少于 100萬美元 Annual Sales of up to $1 million ? 信貸總額不超過 20萬美元 Credit of up to $200,000 ? 小企業(yè)的類型 Types of Small Businesses: ? 個人獨(dú)資 Sole Proprietors ? 合伙制 Partnerships ? 公司制 Corporations 墨西哥 MEXICO ? 員工人數(shù)不超過 100人 Number of Employees up to 100 ? 年銷售額不超過 50萬美元 Annual Sales of up to $500,000 ? 信貸總額不超過 20萬美元 Credit of up to $200,000 ? 小企業(yè)的類型 Types of Small Businesses: ? 個人獨(dú)資 Sole Proprietors ? 合伙制 Partnerships ? 公司制 Corporations 8 169。 2022 Fair Isaac Corporation. Confidential. 設(shè)定背景（拉丁美洲）：對經(jīng)濟(jì)的貢獻(xiàn) Setting the context (Latin America): Economic relevance ? 小企業(yè)部門是最大的就業(yè)來源，它促進(jìn)了經(jīng)濟(jì)和社會的發(fā)展 Economic growth and social development by being the leading source of employment ? 在哥倫比亞， 63％的就業(yè)機(jī)會來自于小企業(yè)部門 In Colombia the small business sector employs 63% of work force ? 在墨西哥， 78％的就業(yè)機(jī)會是由小企業(yè)部門創(chuàng)造的 In Mexico 78% of work force ? 絕大部分的產(chǎn)品用于滿足國內(nèi)消費(fèi)需求 Majority of production is for internal consumption ? 哥倫比亞 25％的國內(nèi)產(chǎn)出來自小企業(yè)部門 Colombia 25% internal production ? 墨西哥 68％的國內(nèi)產(chǎn)出來自小企業(yè)部門 Mexico 68% internal production ? 信貸的可獲得性對小企業(yè)的生存發(fā)揮著至關(guān)重要的作用 Credit availability plays a fundamental role for survival of the small business ? 小企業(yè)較難獲得資金和最新技術(shù) Small businesses have limited access to funding and consequently to the newest technology 9 169。 2022 Fair Isaac Corporation. Confidential. 設(shè)定背景（美國）：小企業(yè)的定義 Setting the context (US): Small business definition ? 年銷售額不超過 500萬美元 Annual Sales of up to $5 million ? 信貸額不超過 25萬美元 Credit of up to $250,000 ? 小企業(yè)的類型 Types of Small Businesses: ? 個人獨(dú)資 Sole Proprietors ? 合伙制 Partnerships ? 公司制 Corporations ? 美國 ” 官方 “ 定義 The “Official” US Definition: 美國的小企業(yè)是指獨(dú)立擁有和經(jīng)營的，在其行業(yè)領(lǐng)域不占主導(dǎo)地位的，符合美國小企業(yè)管理局發(fā)布的（ 《 聯(lián)邦法規(guī)匯編 》 第 13篇第 121條，修訂條款）有關(guān)小企業(yè)的員工人數(shù)、平均年銷售額或其它劃分指標(biāo)的企業(yè) A small business is a . business that is independently owned and operated, is not dominant in its field of operation and can qualify under criteria concerning number of employees, average annual receipts or other criteria as out