征信機(jī)構(gòu)在貸款追收業(yè)務(wù)中的作用-免費(fèi)閱讀
【正文】 只有守則表 1中規(guī)定的人和機(jī)構(gòu)才能獲得信用信息 Bureau membership subject to Code of Practice on Consumer Credit Data. Access to credit data limited to Schedule 1 of Code. ? 隱私專員公署權(quán)力較大 Strong Office of Privacy Commissioner 新加坡－－ 《 銀行法 》 Singapore – Banking Act ? 必須根據(jù) 《 銀行法 》 (, 3rd Sch) 進(jìn)行公告 Gazette under the Banking Act (, 3rd Sch) ? 授權(quán)機(jī)構(gòu)－－ TrustSg和 CaseTrust Accreditations TrustSg and CaseTrust ? 《 數(shù)據(jù)保護(hù)法 》 Data Protection Code ? 《 行為守則 》 Code of Conduct ? 只進(jìn)行信用度評估－－姓名、身份、信貸余度，不包含存款信息等 Only Credit Worthiness Evaluation – Name, identity, amount owed, no deposit info etc ? 目的在于防范收帳或跟蹤行動 Designed to prevent Collection or Tracing activities 新加坡－－非銀行個(gè)人客戶和中小企業(yè)征信局 Singapore Non Bank Consumer amp。 One mon tactic to collect Debt – Notification to Credit Bureaus. Typically, demand letters with final letter warning that name will be reported to the credit bureau and listed on the credit file. ? 擁有不良付款記錄的債務(wù)人的負(fù)面信息會在征信機(jī)構(gòu)的檔案中保留 7年。B (S) 鄧白氏（ M）Damp。它們要遵守收帳條例的規(guī)定。該法對金融機(jī)構(gòu)有明確定義 Only FIs can access credit report and debt collection agency is not considered FI. FI is defined in the Act. ? 只有金融機(jī)構(gòu)會員才能向征信機(jī)構(gòu)提交數(shù)據(jù)。如果你的債務(wù)狀況信息被其它放貸機(jī)構(gòu)獲得，你將無法從他們那里獲得信貸便利 … Unless we hear from you….turn your account over to the credit bureau. A credit bureau tracks the credit history of consumer debtors in S’pore and offers such information to other credit grantors. Your state of indebtedness may deny you other credit facilities if your information is accessed by other businesses…. ? 我們十分抱歉，但，是你自己使我們已經(jīng)沒有回旋的余地，我們不得不對您采取這種激烈的行為 …… 如果你在今天之內(nèi)付出支票的話，你的原有信用度仍然可以維持不變 We are sorry to take such drastic action but you leave us with no alternatives…You can preserve your credit rating by remitting your cheque today…. 征信機(jī)構(gòu)與追收機(jī)構(gòu)的商業(yè)關(guān)系－－哪些是可能的？ Commercial Relationship – What is Possible 收帳人利用征信機(jī)構(gòu)數(shù)據(jù)庫的目的 Debt Collectors Use of Bureau Database ? 債務(wù)評分 Debt Scoring ? 數(shù)據(jù)確認(rèn)（姓名、地址、出生日期、職業(yè)） Validation of Data (Name , Address, DOB, Employment) ? 施加還款壓力 Payment Pressure ? 被動型回收 Passive Collection ? 披露違約行為 Default Exposure ? 地址位置 Address Location 可為收帳公司提供的具體服務(wù) Examples of Specific Services for Collection Agencies ? 上傳違約客戶信息 Default Consumer Uploads * ? 關(guān)于客戶地址變更的電子警示服務(wù) Consumer New Address eAlert ? 電子白頁核實(shí) Electronic White Pages Verification ? 電話所在位置 Phone Locator ? 更新客戶違約信息 Consumer Default Updates ? 刪除客戶違約信息 Consumer Defaul
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