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Credit Information
News
And
the Survey Says...Consumers are Unaware of Credit Scores
Survey shows a majority of consumers are unaware of
their own credit scores, and the ways in which companies and
organizations are using those scores to evaluate individuals
as prospective customers, employees or tenants. Compliance
Headquarters, CCH Group, Inc, by Sarah Borchersen-Keto, September
2004. http://www.complianceheadquarters.com/Lending/Lending_Articles/9_22_04.html
BAP,
rural banks to start sharing data on debtors
The Bankers Association of the Philippines (BAP) and
the Rural Bank Association of the Philippines (RBAP) will finally
start sharing information on delinquent borrowers through the
former's credit bureau. Yehey Finance. By Ruby Anne M. Rubio,
October 2004. http://finance.yehey.com/home_full.asp?id=25562
Call
for transparency in banking
Credit information sharing and a culture
of transparency in the banking sector are a must for ensuring
the stability of the industry, said the Deputy Governor of the
Reserve Bank of India. The Hindu, October 2004. http://www.hindu.com/2004/10/13/stories/2004101304990400.htm
Recent
Publications
A Decomposition of Screening
and Incentive Effects in Credit Information Systems
Study illustrates how credit information systems mitigate
both adverse selection and moral hazard problems in credit markets
through “screening” and “incentive” effects. By Craig McIntosh
and Bruce Wydick, September 2004. http://are.berkeley.edu/courses/DEVELWORK/papers/Theory.pdf
Improving Credit Information,
Bank Regulation and Supervision: On the role and design of Public
Credit Registries. This paper analyzes how data in
public credit registries can be used both to strengthen bank
supervision and to improve the quality of credit analysis by
financial institutions. By Giovanni Majnoni, Margaret Miller, Nataliya
Mylenko and Andrew Powell. June, 2004.
http://www.utdt.edu/~apowell/MMNP_June.pdf
The South African Credit
Information System
The principles characteristics of a well functioning
credit information system. By Ashina Singh, May 2004. http://lnweb18.worldbank.org/sar/sa.nsf/Attachments/SinghPt/$File/Srilankappt+1-Singh-new.pdf
Development of Credit
Reporting Around the World
Role of Credit Registries in Financial Markets. The
World Bank, Development Research Group, By Leora Klapper, May,
2004.
http://lnweb18.worldbank.org/sar/sa.nsf/Attachments/LeoraKlapper/$File/Leora+Klapper.pdf
Information Sharing
among Competing Microfinance Providers
This paper examines the private information sharing
incentives of MFIs under two alternative formulations: one where
the MFI seeks to maximize the welfare of its borrowers; and
another where it seeks to maximize the volume of its lending,
or ‘throughput’. By Sanjay Jain and Ghazala Mansuri, May 2004.
http://www.iue.it/FinConsEU/Papers2004/MFICompetitionJainMansuri.pdf
A Guide to Greater Credit
Data Sharing
The Hong Kong Association of Banks.
http://www.dahsing.com/dsb/rbd/doc/dsb_oth_data_sharing_e.PDF
Credit Scoring - How
successful is credit scoring in microfinance?
Using the scoring technology to analyze historical client
data, identify links between client characteristics and behavior,
and predict several types of client behavior. CGAP Staff and
eChange, by Daniel G. Salazar, LLC, 2004.
http://www.microfinancegateway.org/files/18047_CGAP_Credit_Scoring.pdf?PHPSESSID=50abbe3cf271024cd2b0e079602579d1
Scoring
Arrears at a Microlender in Bolivia
Can scoring models help microlenders in poor countries as much
as they have helped credit-card lenders in rich countries?
By Mark Schreiner, April, 2004.
http://www.microfinance.com/English/Papers/Bolivia_Scoring_Arrears.pdf
Credit
Risk: So Far So Good
After operational risk, credit risk is the biggest
challenge facing the industry - large-scale borrower defaults
may even force a bank into bankruptcy. By Mitali Kalita, August,
2004.
http://www.accountancy.com.pk/articles.asp?id=144
Events
Recent
Events
Fourth Consumer Credit Reporting World
Conference
This event presented an opportunity for credit bureau executives
to share best practices, industry knowledge, issues affecting
countries and regions, and to discuss the role of credit bureaus
around the globe. Organized by Huaxia International Business
Credit Consulting Co., Ltd. in conjunction with the Consumer
Data Industry Association - CDIA (US) and Association of Consumer
Credit Information Suppliers - ACCIS (Europe). Beijing, China,
September 26-28. http://www.worldcreditconference2004.com/
Credit Reporting Systems Worldwide
Seminar on Credit Reporting System and China’s Economy. Organized
by the People’s Bank of China and the World Bank. Shanghai,
China, May 18, 2004. http://www.pbc.gov.cn/zhengxinguanli/yanjiucankao/ppt/3.ppt
Conference On Credit Bureau Development
In South Asia
The workshop focused on promoting the development
of credit information systems in the region. Organized jointly
by The World Bank, Central Bank, and Credit Information Bureau
of Sri Lanka, May 10-11, 2004.
http://lnweb18.worldbank.org/sar/sa.nsf/General/C6251A4FD113E1E385256EAE005352A0?OpenDocument
Newsletters
& Periodicals
ViewPoints
Bi-monthly publication by Fair Isaac Corporation.
http://www.fairisaac.com/Fairisaac/News/ViewPoints/
Experian-Scorex's
http://www.experian-scorex.com/news_letter.asp
Useful
Links
LISIM
Lisim is a consulting firm, based on Bogotá,
Colombia, that offers scoring solutions to micro and other financial
institutions.
http://www.lisim.com/
Credit Reporting Systems
Latest publications, events, analysis, surveys and
more from official institutions, academia and others. http://econ.worldbank.org/programs/credit_reporting/
Doing
Business – Benchmarking Business Regulations
The Doing Business Database provides objective measures
of business regulations and their enforcement. The Doing Business
indicators are comparable across 145 economies.
http://rru.worldbank.org/doingbusiness/
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