試論美國富國銀行的小企業(yè)銀行業(yè)務(wù)-展示頁
2025-01-17 18:02本頁面
【正文】 licant risk 挑選出交貸款人審核的申請 Outsorted for Lender Review 由規(guī)則來確定哪些申請人需要貸款人審核 Rules determine which applications require a lender review 制定價(jià)格和貸款金額 Setting Price and Credit Amount 根據(jù)相應(yīng)的風(fēng)險(xiǎn)來確定價(jià)格和貸款發(fā)放金額 Price and amount of credit granted set according to relative risk 貸款發(fā)放和信貸評分 Unde rwriting Credit Scoring ? 已處理 200多萬筆貸款申請 Over 2 Million applications processed. ? 2/3的貸款決策由系統(tǒng)自動完成， 1/3由人工審核 2/3rd of decisions made automatically with the remaining 1/3rd reviewed by lenders. ? 研究表明富國銀行小企業(yè)貸款處理成本是全行業(yè)中最低的 Studies show our cost of processing small business loans among the lowest in the industry. 主要數(shù)據(jù) Key Facts “企業(yè)通”貸款審批流程 Business Direct Loan Decisioning Process Presentation Information Classification as Needed 17 小企業(yè)記分卡的典型因子 Typical Elements of a Small Business Scorecard ? 行業(yè) Industry ? 經(jīng)營年限、成為銀行客戶的年限 Years in Business, Years as a Customer ? 存款余額 Deposit balances ? 營業(yè)收入 Revenue of the Business ? 營業(yè)場所 Location of the Business ? 業(yè)主的信用記錄 Credit History of the Business Owner (s) – 可用信貸額度 Amount of Available Credit – 信用歷史長度 Length of Credit History – 發(fā)生拖欠的次數(shù) Number of delinquencies ? 業(yè)主的金融資產(chǎn)和負(fù)債 Financial Assets and Liabilities of the Business Owner(s) ? 存款余額 Deposit balances ? 總負(fù)債 Total Debt burden Presentation Information Classification as Needed 18 對每個(gè)賬戶進(jìn)行持續(xù)的風(fēng)險(xiǎn)評估，并采取必要措施以提高贏利性 Conducting ongoing assessment of the risk of each account and taking necessary actions to improve profitability. ? “行為評分 Behavior Scores” – 根據(jù)現(xiàn)有借款人行為來評估其風(fēng)險(xiǎn)的統(tǒng)計(jì)模型 Statistical models for evaluating the risk of an existing borrower based on behavior. – 欠款、用途、超出額度的記錄 Delinquency, usage, overlimit experience. ? 個(gè)人征信機(jī)構(gòu)信息 Consumer Bureau Information – “企業(yè)通”每月從個(gè)人征信機(jī)構(gòu)獲取有關(guān)每個(gè)客戶的約 100條信息（評分、用款、查詢、賬戶數(shù)量、貸款余額等） Business Direct gets approximately 100 pieces of information from the consumer credit bureaus every month on every customer (score, utilization, inquiries, accounts, open mitment, etc.). ? 小企業(yè)貸款數(shù)據(jù) Small Business Loan Data – 小企業(yè)融資信息交換中心，鄧白氏 Small Business Financial Exchange, DB. ? 存款賬戶數(shù)據(jù) Deposit Account Data 賬戶和組合管理 Account Portfolio Management ? 定價(jià)的變化 Pricing Changes – “企業(yè)通”經(jīng)常根據(jù)客戶的風(fēng)險(xiǎn)行為（經(jīng)常性拖欠、超出額度）來提高價(jià)格 Business Direct frequently increases customer pricing for risky behavior (frequent delinquency, overlimit). – 對表現(xiàn)良好的低風(fēng)險(xiǎn)客戶，銀行會降低其貸款利率 Well performing, low risk customers get rate decreases. ? 提高優(yōu)質(zhì)客戶的授信額度 Line Increases for Good Customers – 自動或有條件的額度提升 Automatic or conditional line increases – 從面逐步壓低風(fēng)險(xiǎn)較高客戶的貸款余額比重，增加低風(fēng)險(xiǎn)客戶的貸款余額比例 Helps build lowrisk balances, relative to balances of higher risk customers. ? 關(guān)閉賬戶 Account Closures ? 事先批準(zhǔn)的交叉銷售 PreApproved CrossSell 貸款發(fā)放后－－賬戶管理 After Booking – Account Management Presentation Information Classification as Needed 19 貸款發(fā)放和信貸評分 Underwriting Credit Scoring 市場營銷和新產(chǎn)品開發(fā) Marketing New Product Development 賬戶和貸款組合管理 Account Portfolio Management ? 貸款承諾為 230億美元 $ 23 Billion in loan mitments ? 貸款余額為 110億美元 ——88%為無擔(dān)保貸款 $ 11 Billion in loan outstandings 88% unsecured 今天的“企業(yè)通”－－盈利很好，還在擴(kuò)張，且能幫助小企業(yè)取得成功 Business Direct Today – Profitable and Growing Lender That Helps Small Busine
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