1、March 12, 2018,Public Policy for Credit Reporting Systems,1,Workshop Group A,Motivating Lenders to Share Their DataIs there a Role for the Public Sector:In Jump-Starting Information Sharing?What are the Pitfalls of Such Intervention?,http:/ 蝙蝠侠：阿卡姆起源,March 12, 2018,Public Policy for Credit Reporting
2、 Systems,2,Motivating Lenders to Share Their Data.,Yes, Lenders Can Be Motivated, but .,March 12, 2018,Public Policy for Credit Reporting Systems,3,Is there a Role for the Public Sector?,Without Central Bank Mandate no Information Sharing. Time Wasted though Lack of Action!,Mandate the Use of Shared
3、 Data in Risk AssessmentPenalties for Non-complianceForced ProvisioningHigher Capital Requirements,March 12, 2018,Public Policy for Credit Reporting Systems,4,Legal FrameworkSupport Pilot StudiesAssistance in Start-ups Set Rules and Operating RequirementsIssues License for Credit Bureau OperatorsCon
4、ducts Compliance AuditsAccess to Public RegistersSafeguard Privacy and Confidentiality,Is there a Role for the Public Sector?,Central Bank is Responsible for Financial Health of the Financial Sector,March 12, 2018,Public Policy for Credit Reporting Systems,5,What are the Pitfalls of Such Interventio
5、n?,NONE: Because the Health of the Financial System and Economy is at Stake!,March 12, 2018,Public Policy for Credit Reporting Systems,6,Significant Incentives / Benefits for Banks,Enhances Lending Benefit to Consumers and Businesses Economy Greater Penetration of CreditAccurate Risk Prediction Frau
6、d PreventionSubstantially Lower Loan DefaultsMore Value Added Products:Automated Decision ProcessesFraud Prevention / Scoring and Monitoring Cost Reduction through Volume DiscountsLower Cost in Credit Process,March 12, 2018,Public Policy for Credit Reporting Systems,7,Workshop Group A,Whats Holding You Up?,
