小企業(yè)評分課件知識講解

SmallBusinessScoring

小企業(yè)評分

September,20042004年9月CheriSt.John2Copyright?2003FairIsaacCorporation.Allrightsreserved.Agenda議程Projectscope項目范圍Smallbusinesspooledmodels小企業(yè)集合模型PreliminaryresultsinLatinAmerica在拉丁美洲的初步成效NextSteps后續(xù)步驟3Copyright?2003FairIsaacCorporation.Allrightsreserved.Agenda議程Projectscope項目范圍Smallbusinesspooledmodels小企業(yè)集合模型PreliminaryresultsinLatinAmerica在拉丁美洲的初步成效NextSteps后續(xù)步驟SmallbusinessinLatinAmerica

拉丁美洲的小企業(yè)Economicgrowthandsocialdevelopmentbybeingtheleadingsourceofemployment作為最重要的就業(yè)渠道促進經(jīng)濟增長和社會發(fā)展InColombiathesmallbusinesssectoremploys63%ofworkforce在哥倫比亞小企業(yè)雇傭了63％的勞動力InMexico78%ofworkforce在墨西哥小企業(yè)雇傭了78％的勞動力Majorityofproductionisforinternalconsumption大部分產(chǎn)品供國內(nèi)消費Colombia25%internalproduction哥倫比亞25％國內(nèi)產(chǎn)品Mexico68%internalproduction墨西哥68％國內(nèi)產(chǎn)品Creditavailabilityplaysafundamentalroleforsurvivalofthesmallbusiness信用的可得性對小企業(yè)的生存起著基礎(chǔ)性的作用Smallbusinesseshavelimitedaccesstofundingandconsequentlytothenewesttechnology小企業(yè)融資渠道受到限制從而導(dǎo)致最新技術(shù)的使用受到限制Deficienciesinthesmallbusinesslending

小企業(yè)借款缺乏Identifyimprovementsinthebankingandlendingindustrytoallowsmallbusinessesgrowthanddevelopment認識銀行業(yè)和貸款企業(yè)在允許小企業(yè)成長和發(fā)展中的進步Manageoverallportfoliorisk控制總業(yè)務(wù)量風(fēng)險Streamlineoperationsforincreasedcostefficiencies優(yōu)化操作以增進成本效率Increasenumberofprofitablerelationships增加可獲利的關(guān)系Identifypredictivedataelementstoanalyzethecreditrisk識別有預(yù)測性的數(shù)據(jù)要素來分析信用風(fēng)險Howscoringtechnologycanhelpthelenders?

評分技術(shù)是怎樣幫助貸款人的呢？Reducescostbyincreasingefficiencyandspeed通過增加效率和速度來減少成本Makeconsistentrankingofriskandobjectivedecisions建立一致的風(fēng)險評分等級和客觀決策Accurateriskprediction精確的風(fēng)險預(yù)測Majorityofriskidentifiedatorigination!大多數(shù)的風(fēng)險在產(chǎn)生時就會被識別出來！Competitiveedge競爭優(yōu)勢Fasterresponsetimes更快的反應(yīng)時期Betterriskassessment更好的風(fēng)險估計8Copyright?2003FairIsaacCorporation.Allrightsreserved.Agenda議程Projectscope項目范圍Smallbusinesspooledmodels小企業(yè)集合模型PreliminaryresultsinLatinAmerica在拉丁美洲的初步成效NextSteps后續(xù)步驟FairIsaacexpertisewithfinancialinstitutions

FairIsaac為金融機構(gòu)提供專門技術(shù)

Smallbusinessdefinition-UnitedStates

小企業(yè)的定義－美國AnnualSalesofupto$5million年銷售額最高達到5百萬美元Creditofupto$250,000信用最高達到25萬美元TypesofSmallBusinesses:小企業(yè)的類型：SoleProprietors個體所有者Partnerships合伙企業(yè)Corporations公司ThebeginningofSmallBusinessScoringService(SBSS)intheUnitedStates

小企業(yè)評分機構(gòu)在美國的起步FairIsaacpartnerswithRobertMorrisAssociates(RMA)FairIsaac與RobertMorrisAssociates(RMA)成為合伙企業(yè)17bankseachcontribute100goods,100bads,100declines17家銀行每一家都提供100家好的，100家壞的，100家信用下降的小企業(yè)的資料Precodingsheetsfilledoutbyhand手工填寫預(yù)先編好的表格Papercreditbureaureports紙質(zhì)的信用局報告FairIsaacdataentrystaffcreateselectronicdatabaseFairIsaac的數(shù)據(jù)輸入人員創(chuàng)建了電子數(shù)據(jù)庫1995-FairIsaacSBSSreleasesthefirstempiricallyderivedcommercialscorecards1995年，F(xiàn)airIssac小企業(yè)評分機構(gòu)發(fā)布了首批完全來自于實際數(shù)據(jù)的商業(yè)記分卡SmallBusinessPooledModelsimprovements

小企業(yè)集合模型的進步Over250,000smallbusinessescontributedby25banks25家銀行提供的25萬多家小企業(yè)信息Dataextractedelectronicallyfromapplicationprocessingandmasterbillingfilesystems100%availabilityofconsumerbureauinformation從申請?zhí)幚砗椭鲙挝募到y(tǒng)中電子化提取的數(shù)據(jù)，消費信用局信息100％可得Businessdataprovidesincreaseinpredictivepower商業(yè)數(shù)據(jù)提高了預(yù)測力Application申請Businessreports商業(yè)報告Financialstatements財務(wù)報表2001-FairIsaacreleasessecondgenerationofcommercialscorecards2001年，F(xiàn)airIsaac發(fā)布了第二代商業(yè)記分卡CurrentlybuildingtheNewSmallBusinessPooledModels現(xiàn)在正在建立新的小企業(yè)集合模型SmallbusinessscoringpooledmodelsinAsia

亞洲的小企業(yè)評分集合模型PooledModelsinJapan日本的集合模型Over3,500smallbusinessescontributedby13banks13家銀行提供的3500多家小企業(yè)信息Datatransferredfromapplicationprocessingandmasterbillingfilesystemsandavailabilityofconsumerbureauinformation從申請?zhí)幚砗椭鲙挝募到y(tǒng)中傳出的數(shù)據(jù)及消費信用局信息的可得性Businessdataprovidesincreaseinpredictivepower商業(yè)數(shù)據(jù)提高了預(yù)測力Application申請Businessreports商業(yè)報告Financialstatements財務(wù)報表CurrentlybuildingpooledmodelsinChina現(xiàn)在正在中國建立集合模型

14Copyright?2003FairIsaacCorporation.Allrightsreserved.Agenda議程Projectscope方案范圍FairIsaacexperienceFairIsaac的經(jīng)驗Smallbusinesspooledmodels小企業(yè)集合模型PreliminaryresultsinLatinAmerica拉丁美洲的初步成效NextSteps后續(xù)步驟Smallbusinessdefinition-LatinAmerica

小企業(yè)的定義－拉丁美洲COLOMBIA哥倫比亞NumberofEmployeesupto200雇員人數(shù)最高達到200AnnualSalesofupto$1million年銷售額最高達到1百萬美元Creditofupto$200,000信用最高達到20萬美元TypesofSmallBusinesses:小企業(yè)的類型：SoleProprietors個體經(jīng)營者Partnerships合伙企業(yè)Corporations公司MEXICO墨西哥NumberofEmployeesupto100雇員人數(shù)最高達到100AnnualSalesofupto$500,000年銷售額最高達到50萬美元Creditofupto$200,000信用最高達到20萬美元TypesofSmallBusinesses:小企業(yè)的類型：SoleProprietors個體經(jīng)營者Partnerships合伙企業(yè)Corporations公司ThereisnoconsistentdefinitionwithinlendersinLatinAmerica.在拉丁美洲貸款人對小企業(yè)沒有一致的定義Distributionbybusinessactivity

經(jīng)濟活動分布COLOMBIA哥倫比亞MEXICO墨西哥Wholesale,批發(fā)業(yè)48%Construction,建筑業(yè)9%Other,其它4%Transportation,運輸業(yè)15%Fin&Ins,金融保險業(yè)1%Services,服務(wù)業(yè)12%Restaurants,餐飲業(yè)3%Manufactures,制造業(yè)8%Wholesale,批發(fā)業(yè)30%Construction,建筑業(yè)16%Other,其它7%Transportation,運輸業(yè)8%Fin&Ins,金融保險業(yè)11%Services,服務(wù)業(yè)8%Restaurants,餐飲業(yè)2%Manufactures,制造業(yè)18%Acceptanceandbookedrates

接受率和登記率0%10%20%30%40%50%60%70%80%90%Colombia哥倫比亞Mexico墨西哥AcceptanceRate接受率

BookedRate登記率Distributionofdelinquencies

違約的分布0.0%0.5%1.0%1.5%2.0%2.5%3.0%Colombia哥倫比亞Mexico墨西哥OneCycle一個周期TwoCycles兩個周期WrittenOff沖銷Applicationprocessingtime

處理申請的時間DAYS天數(shù)024681012Colombia哥倫比亞Mexico墨西哥20Copyright?2003FairIsaacCorporation.Allrightsreserved.Agenda議程Projectscope項目范圍FairIsaacexperienceFairIsaac的實踐經(jīng)驗Smallbusinesspooledmodels小企業(yè)集合模型PreliminaryresultsinLatinAmerica在拉丁美洲的初步成效NextSteps后續(xù)步驟Pooleddatadevelopmentsampling

集合數(shù)據(jù)發(fā)展抽樣Arandomrepresentativeportionofaccountswithknownpaymentbehaviorplusdeclinedaccounts一部分隨機的有代表性的已知