【正文】 ks implement the use of credit scoring for small business loans in a number of different ways: 針對業(yè)主 的信貸評分 Credit Score of Owner 針對企業(yè) 的信貸評分 Business Credit Score 信貸評分 業(yè)主和企業(yè) Credit Score Owner amp。 Biz A = + B C 來源 Source: Charles D. Cowan and Adrian M. Cowan for SBA (2022) 32 169。 2022 Fair Isaac Corporation. Confidential. 針對業(yè)主的信貸評分 Owner Credit Score 針對業(yè)主和企業(yè)的信貸評分 Owner amp。 Business Credit Score 針對企業(yè)的信貸評分 Business Credit Score 調(diào)查 ：銀行是如何在小企業(yè)放貸業(yè)務(wù)中使用信貸評分的 Survey: How are Banks Using Credit Scoring for Small Business Lending? Source: Charles D. Cowan and Adrian M. Cowan for SBA (2022) 33 169。 2022 Fair Isaac Corporation. Confidential. 調(diào)查 發(fā)現(xiàn) Survey findings ? 調(diào)查發(fā)現(xiàn)銀行將信貸評分用于風(fēng)險定價，并用于針對資質(zhì)較低的小企業(yè)放貸流程中 Evidence that banks are using credit scoring for riskbased pricing and in the process of making loans to lower quality small businesses. ? 信貸評分使銀行可以向信用度較低的貸款收取風(fēng)險溢價 Credit scores allow banks to charge risk adjusted premiums on these less credit worthy loans ? 除了小企業(yè)貸款發(fā)放之外，信貸評分的主要應(yīng)用是貸后監(jiān)控 Primary use of credit scores outside small business loan origination is loan monitoring 小企業(yè)放貸業(yè)務(wù)正處于轉(zhuǎn)型階段，而信貸評分是其中的一個推動因素 Small Business Lending is in a state of transition amp。 CREDIT SCORING plays a part 信貸評分是改變小企業(yè)放貸業(yè)務(wù)前景的幾個銀行業(yè)創(chuàng)新之一 CREDIT SCORING is one of the several banking innovations changing the landscape for small business lending Source: Charles D. Cowan and Adrian M. Cowan for SBA (2022) 34 169。 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. 結(jié)論 Conclusion ?中小企業(yè)對經(jīng)濟所作出的貢獻是毋庸質(zhì)疑的 The Relevance of the SME sector for any economy is undeniable ?個人征信機構(gòu)數(shù)據(jù)在評估中小企業(yè)信貸風(fēng)險方面發(fā)揮著至關(guān)重要的作用 Consumer Credit Bureau Data plays a fundamental role in assessing SME credit risk ?評分技術(shù)為中小企業(yè)貸款業(yè)務(wù)帶來的好處 The benefits of scoring technology apply to SME lending ? 一致性 consistency ? 準確性 accuracy ? 速度 speed ?信貸評分是創(chuàng)建可持續(xù)的中小企業(yè)貸款業(yè)務(wù)的關(guān)鍵因素 Credit Scoring is the key element for building sustainable SME portfolios The material in this presentation is the property of Fair Isaac Corporation. This material has been provided for the recipient only, and shall not be used, reproduced, copied, disclosed, transmitted, in whole or in part, without the express consent of Fair Isaac Corporation. 169。 2022 Fair Isaac Corporation. Confidential. Uli Zeisluft + 謝謝！ Thank You 37 169。 2022 Fair Isaac Corporation. Confidential.? 中國課件站 ? 管理資源吧 ? 心靈驛站 ? 中華文庫 ? 大學(xué)課件 ? 管理資源吧 38 169。 2022 Fair Isaac Corporation. Confidential.? 1 vvvvvvvvvvvvvv ? 2 過眼云煙的 ? 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.? 古古廣告和叫姐姐 ? 和呵呵呵呵呵斤斤計較斤斤計較 ? 化工古怪怪古古怪怪個 ? Ccggffghfhhhf的 涂大俠 ? Ghhhhhhhhhh的當(dāng)個非官方給 ? 1111111111的的 ? 222加一塊花 i嗎 ? 555人托人托管人 ? 8887933涂大俠 ? Hhjjkkk涂大俠 ? 瀏覽量瀏覽量了 ? 觀后感復(fù)合管 i開后進口貨 ? 華國鋒 ? 111111111111 ? 000涂大俠 40 169。 2022 Fair Isaac Corporation. Confidential.?566和費電話費規(guī)范和減肥掛號費58888 ?Hhu掛號費管很反感uuuu ?非官方東莞的涂大俠 ?京滬高姐后感覺 ?4555555廣發(fā)華福掛號費55 ?45555花非花房合法化突然555 ?發(fā)呆的叮當(dāng)當(dāng)?shù)牡??規(guī)范化涂大俠 41 169。 2022 Fair Isaac Corporation. Confidential.?5466666666 ?54444444444涂大俠 ?風(fēng)光好涂大俠 ?V海沸河翻好豐富和韓國 ?uytututn ?涂大俠 ? 復(fù)合肥天try日他你共和國 ? hggghgh554545454 42 169。 2022 Fair Isaac Corporation. Confidential.?11111111111122222222 ?盡快快快快快快快家斤斤計較斤斤計較計較環(huán)境及斤斤計較斤斤計涂大俠 ?斤斤計較瀏覽量哦哦陪陪 43 169。 2022 Fair Isaac Corporation. Confidential.? 4444444 ? 777 ? 44444011011112 ? 古古怪怪 ? 4444444444444 ? 555 ? 444444444 44 169。 2022 Fair Isaac Corporation. Confidential.? 54545454涂大俠 ? 哥 vnv涂大俠 ? 非官方給 ? 風(fēng)光好剛剛發(fā) 合格和韓國國 ? 版本 vnbngnvg ? 和環(huán)境和換機及環(huán)境和交換機 ? 殲擊機 45 169。 2022 Fair Isaac Corporation. Confidential.? 11111 ? 該放放放風(fēng)放放風(fēng)方法