银行风险监管能力的工具.ppt

Credit Registers: a Tool for Improved Bank Risk Regulation and Supervision. 信用登记：提高银行风险监管能力的工具  Jerry Caprio The World Bank世界银行 ….. BejingSeptember 29, 2004北京2004年9月29日
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Outline of the presentation讲演大纲
Credit Registers are tools intended to broaden the access to credit markets …
信用登记着眼于拓宽信贷市场进入渠道…
2. … making possible better risk assessments on the part of the banks ...
使银行部门可能更好地进行风险评估…
… in addition they may be a tool for more advanced risk based supervision… …
此外还有利于开展高级风险性监管 …
… as in the case of the assessment of bank capital requirements... ...
同银行资本金要求的评估相似...
…but important challenges lie ahead!! ...
但面临着重大的挑战!! ...
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CR & Access to credit market信用登记与信贷市场准入
Banks often do not lend to individual customers lacking “physical collateral” …
银行通常不向缺少实物担保的个人提供贷款
… and therefore restrict their credit to their wealthiest customers.
…因此他们向最富有客户的信贷受到了限制
A good credit record represents an alternative and “wealth free” collateral: a “reputation collateral”…
良好的信用记录反映了另一种非财产担保的方式：信誉担保
... that allows banks to lend to all customers independently from their wealth.
...这就使银行可向所有客户贷款而不需考虑他们的财产状况
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CR & Access to credit market信用登记与信贷市场准入
World Bank research shows that lending may increase substantially, without increasing the risk exposure, when banks supplement their own information with that provided by Credit Registers (Majnoni et al. 2004).
世行研究表明，若银行将已有信息同信用登记所提供的信息结合起来，信贷大幅增长的同时不会带来风险敞口的扩大(Majnoni et al. 2004) 。
Evidence from Argentina and Brazil shows:
阿根廷和巴西的经验证明：
that a small bank, when adding CR data in its creditworthiness assessment, could increase its lending up to 30% without increasing its risk;
小型银行若在对信用可靠度进行评估时添加信用登记提供的数据，可以增加高达30%的贷款而不至增加风险；
gains are higher for smaller banks.
对小型银行而言收益更高。
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From Access to Credit to Credit Risk Management 从信贷市场准入到信贷风险管理
Credit information sharing by improving banks’ risk assessment hel