征信機(jī)構(gòu)在貸款追收業(yè)務(wù)中的作用-資料下載頁
2025-05-15 04:13本頁面
【正文】 e Locator ? 更新客戶違約信息 Consumer Default Updates ? 刪除客戶違約信息 Consumer Default Deletion ? 保理轉(zhuǎn)讓 Factoring Assignment * ? 個(gè)人客戶違約轉(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 ? 通過增加監(jiān)控觸發(fā)因素來提高利潤率 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)開發(fā)產(chǎn)品的機(jī)會 Bureau Product Opportunity ? 回收評分 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)能夠偵察到已沖銷債務(wù)的新回收機(jī)會 New Circumstances Reporting – Bureau can detect increased recovery opportunity for written off debts ? 收帳公司－－對征信機(jī)構(gòu)來說，是能付費(fèi)和有價(jià)值的客戶 Collection Agencies – Paid and valued clients 征信機(jī)構(gòu)面臨的問題 Bureau Issues ? 數(shù)據(jù)完整性－－錯(cuò)誤信息，有爭議的信息，過時(shí)信息 Data Integrity – Erroneous element, disputed, outdated ?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)帳戶余額 Validation of outstanding amount difficult ? 個(gè)人客戶對收帳數(shù)據(jù)的投訴會增加 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，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)查詢必須遵守所有法律法規(guī)的規(guī)定和征信機(jī)構(gòu)會員的合約義務(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) ? 沒有或缺乏對收帳公司的規(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 ? 對數(shù)據(jù)隱私問題的關(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 Yo
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