征信機(jī)構(gòu)在貸款追收業(yè)務(wù)中的作用(存儲(chǔ)版)
【正文】 t Deletion ? 保理轉(zhuǎn)讓 Factoring Assignment * ? 個(gè)人客戶(hù)違約轉(zhuǎn)托 Delegate Individual Consumer Default * 征信機(jī)構(gòu)利用收帳數(shù)據(jù) Bureau Use of Collection Data ? 豐富了 “ 全面檔案 ” 信息中的數(shù)據(jù) Data assists in “Full File” Information ? 豐富和增加數(shù)據(jù)庫(kù)的價(jià)值 Enrich and Increase value of Database ? 是數(shù)據(jù)監(jiān)控的附加要素 Additional Element for Data Monitoring ? 通過(guò)增加監(jiān)控觸發(fā)因素來(lái)提高利潤(rùn)率 Enhanced Profitabilty through increased monitoring triggers ? 更多的地址跟蹤要素 Additional Address Tracing Element ? 可用于建模目的的數(shù)據(jù) Data for Modeling Purposes 征信機(jī)構(gòu)開(kāi)發(fā)產(chǎn)品的機(jī)會(huì) Bureau Product Opportunity ? 回收評(píng)分 Recovery Score ? 監(jiān)控－－將收帳數(shù)據(jù)當(dāng)作一個(gè)觸發(fā)因素 Monitoring – Collection Data used as a trigger ? 地址跟蹤－－利用征信機(jī)構(gòu)數(shù)據(jù)來(lái)進(jìn)行跟蹤的作用很大 Address Tracing – High use of bureau data for tracing ? 新情況報(bào)告－－征信機(jī)構(gòu)能夠偵察到已沖銷(xiāo)債務(wù)的新回收機(jī)會(huì) New Circumstances Reporting – Bureau can detect increased recovery opportunity for written off debts ? 收帳公司－－對(duì)征信機(jī)構(gòu)來(lái)說(shuō)，是能付費(fèi)和有價(jià)值的客戶(hù) Collection Agencies – Paid and valued clients 征信機(jī)構(gòu)面臨的問(wèn)題 Bureau Issues ? 數(shù)據(jù)完整性－－錯(cuò)誤信息，有爭(zhēng)議的信息，過(guò)時(shí)信息 Data Integrity – Erroneous element, disputed, outdated ? 監(jiān)控從收帳公司獲得數(shù)據(jù)的質(zhì)量的成本較高 Costly exercise to monitor data quality from Collection Agencies ? 違約信息可能重復(fù)裝載 Duplicate loading of Defaults ? 很難確認(rèn)帳戶(hù)余額 Validation of outstanding amount difficult ? 個(gè)人客戶(hù)對(duì)收帳數(shù)據(jù)的投訴會(huì)增加 Increased consumer plaint to collection data 征信機(jī)構(gòu)和收帳公司 Bureau and the Collection Agency ? 必須實(shí)現(xiàn)雙贏，且存在商業(yè)可持續(xù)性 Must be win/win and mercially viable ? 監(jiān)控?cái)?shù)據(jù)質(zhì)量和追收戰(zhàn)術(shù) Monitor data quality and collection tactics ? 數(shù)據(jù)更新是關(guān)鍵－－如果可能的話(huà)，最好是自動(dòng)化更新 Data Update is Critical – automate wherever possible ? 征信機(jī)構(gòu)應(yīng)制定顯示重復(fù)性債務(wù)的政策 Bureau to set policy on display of duplicate debt ? 數(shù)據(jù)查詢(xún)必須遵守所有法律法規(guī)的規(guī)定和征信機(jī)構(gòu)會(huì)員的合約義務(wù) Database access must meet all regulatory and member contractual obligations. 前景－－水晶球方式 The Future Crystal Ball Approach 觀察－我們可以期待些什么？Observations – What can we expect ? ? 亞洲面臨的挑戰(zhàn) The Challenge in Asia – (1) ? 沒(méi)有或缺乏對(duì)收帳公司的規(guī)范 Absence or lack of regulation on collection agencies ? 缺乏成熟的征信機(jī)構(gòu) Lack of Maturity in Bureau ? 對(duì)數(shù)據(jù)隱私問(wèn)題的關(guān)注在提高 New Awareness in Data Privacy 觀察－我們可以期待些什么？Observations – What can we expect ? (2) ? 征信機(jī)構(gòu)由各國(guó)中央銀行監(jiān)管或驅(qū)動(dòng) Bureaus regulated or driven by Central Banks ? 收帳公司太注重商業(yè)利益，有時(shí)名聲不太好 Collection Agencies mercially driven and sometimes stigmatic 謝謝！Thank You 。違約人在貸款申請(qǐng)?jiān)獾骄芙^后，會(huì)找上門(mén)來(lái) Powerful passive collection tool. Defaulters ca
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