南非小額貸款機構(gòu)的征信制度-資料下載頁
2025-10-10 12:59本頁面
【正文】 e bigger MCI?s that provide short term loans, 這一點歸功于短期借貸市場的激烈競爭，這種競爭主要是由提供短期貸款的較大型機構(gòu)引起的 ? But an assumption can also be made that due to the MCI ability to make more informed decisions via CR data results in increased MCI efficiency. Thus the savings derived from greater efficiencies, pass onto consumer by means of lower interest rates. 但是我們?nèi)匀豢梢宰鞒鲞@樣的判斷，即由于征信局提供了數(shù)據(jù)，小額貸款機構(gòu)就有能力作出更細致的決策，從而增加了小額貸款機構(gòu)的效率。所以，更高效率帶來的成本節(jié)約通過更低的利率轉(zhuǎn)移到了消費者 ? Another noticeable trend is that the loan size (capital amount) has started to increase slightly in the last 12 months, 另外一個趨勢是在過去的 12個月里，貸款規(guī)模開始輕微地增加了 ? This could be attributed to the MCI ability to make more informed decisions via CR data , 這一點也是由于小額貸款機構(gòu)可以獲得更多信息而能作出更加周密的決策了 ? But also to the fact that the borrowers? debt repayments are slightly lower, due to better interest rates. 但同時也是由于更有利的利率使得借款者的償付成本降低了 Where to for CompuScan 未來發(fā)展方向 ? In the local market, the focus is on product development: 在當(dāng)?shù)厥袌觯饕钱a(chǎn)品開發(fā) ? Application and bureau scores for MCI?s 小額貸款機構(gòu)的開展和評分 ? Systems, methodologies and information to assist MCI?s diversify into micro/small business lending 幫助小額貸款機構(gòu)向小型商業(yè)借貸機構(gòu)發(fā)展的體制、方法和信息 *MCI?s are under political pressure to diversify into micro/small business lending 政治壓力 ? Expansion into other markets is also on the cards and numerous scoping missions have been undertaken and strategies are being developed: 向其它市場擴展也是一項內(nèi)容，我們正在開展許多開闊視野的活動，一些策略也正在被開發(fā) ? From a technological point of view, settingupshop in a market with low enquiry volumes is doable, as long as the target market has a decent telemunication infrastructure, which is affordable by the MCI?s in the target market. 從技術(shù)的角度來講，只要目標(biāo)市場擁有不錯的電訊基礎(chǔ)設(shè)施，建立一個小型的信用公司就是可行的。 ? However, what can hinder the feasibility of entering and operating in a market with low volumes is the cost of providing the required sales, service, support and training. MCI?s rely heavily on training and support. 然而，影響進入市場并在其中經(jīng)營的可行性的障礙就是提供要求的產(chǎn)品、服務(wù)、支持和培訓(xùn)所需要的成本。而小額貸款機構(gòu)對支持和培訓(xùn)是嚴重依賴的 Thank you 謝謝 ? Comments wele @ ? 歡迎評論
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