【正文】 ed small businesses based upon employee size and annual sales volume. 11 169。 ” “ Creditscoring technologies have served as the foundation for the development of [.] markets…allowing lenders to build highly diversified loan portfolios that substantially mitigate credit risk. [Credit scoring has] played a major role in promoting the efficiency and expanding the scope of our creditdelivery systems and allowing lenders to broaden the population they are willing and able to serve profitably.” 美聯(lián)儲(chǔ)主席艾倫 ?格林斯潘 在美國(guó)銀行協(xié)會(huì)會(huì)議上的講話 2022年 10月 7日 Federal Reserve Chairman Alan Greenspan, Remarks before the American Bankers Association, October 7, 2022 “隨著經(jīng)濟(jì)活動(dòng)不斷增強(qiáng)，以及企業(yè)對(duì)其客戶的需求越來(lái)越有信心，企業(yè)對(duì)貸款的需求將會(huì)增加，銀行業(yè)面臨的利潤(rùn)壓力將會(huì)開(kāi)始緩解 ” “ As economic activity continues to grow and businesses bee more confident about their customers’ demands, business loan demand should increase, and pressures on banking margins should begin to ease.” 美聯(lián)儲(chǔ)主席艾倫 ?格林斯潘 在美國(guó)獨(dú)立社區(qū)銀行大會(huì)上的講話（通過(guò)衛(wèi)星聯(lián)線）， 2022年 3月 17日 Federal Reserve Chairman Alan Greenspan, Remarks Before the Independent Community Bankers of America Convention, via satellite March 17, 2022 13 169。 2022 Fair Isaac Corporation. Confidential. 從其它國(guó)家市場(chǎng)中可以學(xué)習(xí)到的主要知識(shí) Key Learnings from other markets ? 數(shù)據(jù)是最重要的 Data are paramount ? 成功依賴于持續(xù)地獲取、保留和利用所有相關(guān)數(shù)據(jù)的能力 Success depends on the ability to capture, retain and use all relevant data over time ? 數(shù)據(jù)清洗是必需的步驟 Data hygiene is a required step ? 預(yù)測(cè)模型和分析工具 Predictive models and analytics ? 需要充分的準(zhǔn)備時(shí)間來(lái)采取行動(dòng) Requires sufficient lead time to take action ? 戰(zhàn)略、報(bào)告和合規(guī)的組成部分 Component of strategy, reporting, pliance ? 自動(dòng)化 Automation ? 成本節(jié)約、一致性、準(zhǔn)確性 Cost savings, consistency, accuracy ? 流程、規(guī)則、結(jié)果 Processes, rules, output ? 必須對(duì)戰(zhàn)略進(jìn)行結(jié)合、測(cè)試和跟蹤 Strategy must be aligned, tested and tracked ? 各個(gè)不同的層次：產(chǎn)品、定價(jià)、決策流程 Various levels: product, pricing, decision making process ? 在整個(gè)客戶生命周期中結(jié)合數(shù)據(jù)工具 Alignment across the account lifecycle ? 測(cè)試和跟蹤是關(guān)鍵 Testing and tracking are key 16 169。 2022 Fair Isaac Corporation. Confidential. 數(shù)據(jù)的作用 Relevance of Data Contributions ?早先的生意關(guān)系 Previous Business Relationship ? 15 – 30% ?個(gè)人征信機(jī)構(gòu)數(shù)據(jù) Consumer Credit Bureau data ? 30 – 40% ?財(cái)務(wù)數(shù)據(jù) Financial Data ? 15% ?貸款申請(qǐng)數(shù)據(jù) Application Data ? 15% 20 169。研究成果能幫助銀行加強(qiáng)信心，使它們能夠減少拒絕的客戶數(shù) Were too conservative in the past. Research has helped bank get more fortable, is allowing them to turn less business away ? 帳戶管理流程中也使用技術(shù)，得益于對(duì)內(nèi)部數(shù)據(jù)和信貸評(píng)分的綜合利用 Account management processes also use technology, leverages full internal data and credit scoring ? 通過(guò)評(píng)分發(fā)放的貸款組合，其運(yùn)營(yíng)成本／不良率改善了 5％到 10％－－實(shí)現(xiàn)了可觀的效益 Operating costs/delinquencies in scored portfolio improved by well over 5% to 10% – a significant multiple of improvement 成功實(shí)施數(shù)據(jù)驅(qū)動(dòng)型放貸所運(yùn)用的戰(zhàn)術(shù)：案例分析（續(xù)） Tactics for datadriven success： Case study(Cont.) 22 169。 2022 Fair Isaac Corporation. Confidential. 信貸評(píng)分 CREDIT SCORES 風(fēng)險(xiǎn)評(píng)分 RISK SCORES 非風(fēng)險(xiǎn) NONRISK 收入 REVENUE 回應(yīng) RESPONSE 消耗 ATTRITION 等 ETC. 帳戶開(kāi)發(fā)Account Origination 帳戶管理Account Management 貸款申請(qǐng)?jiān)u分APPLICATION SCORES 行為評(píng)分BEHAVIOUR SCORES 征信機(jī)構(gòu)評(píng)分 CREDIT BUREAU SCORES 評(píng)分類型 Types of Scores 25 169。 2022 Fair Isaac Corporation. Confidential. HEADER RECORD (IDENTIFYING INFORMATION) I. Wishfor Credit 12 Lost Lane Sam’s Petrol amp。 2022 Fair Isaac Corporation. Confidential. ?批準(zhǔn)／拒絕Approve/ decline ?設(shè)定最初的信貸額度 Setting initial credit limits ?貸款分層定價(jià)Tiered pricing of loans 帳戶開(kāi)發(fā) ACCOUNT ACQUISITION 帳戶管理 ACCOUNT MANAGEMENT 篩選申請(qǐng)人 APPLICANT SCREENING ?提高／降低信貸額度 Limit increase/ decrease ?授權(quán) Authorisations ?重新發(fā)放 Reissue ?收款 Collections ?推銷 Solicitation ?交叉銷售 Crosssell ?組全資產(chǎn)認(rèn)購(gòu) Portfolio acquisition 在整個(gè)信貸生命周期中都可使用 Use through the credit lifecycle 30 169。 2022 Fair Isaac Corporation. Confidential. 針對(duì)業(yè)主的信貸評(píng)分 Owner Credit Score 針對(duì)業(yè)主和企業(yè)的信貸評(píng)分 Owner amp。 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(duì)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(píng)分工具 Credit Scoring across the SME account life cycle ?結(jié)論 Conclusion 議程 AGENDA 35 169。 2022 Fair Isaac Corporation. Confidential.? 1 vvvvvvvvvvvvvv ? 2 過(guò)眼云煙的 ? 3 古古怪怪 的的 ? 4 的防電風(fēng)扇 的的 ? 5涂大俠 的的 ? 6男的的 ? 7古古怪 ? 8vvvvvvv涂大俠 ? 9方法 涂大俠 ? 涂大俠 涂大俠 39 169。 2022 Fair Isaac Corporation. Confidential.?11111111111122222222 ?盡快快快快快快快家斤斤計(jì)較斤斤計(jì)較計(jì)較環(huán)境及斤斤計(jì)較斤斤計(jì)涂大俠 ?斤斤計(jì)較瀏覽量哦哦陪陪 43 16