First China International Credit and Risk Management Confere

First China International Credit and Risk Management Conference

First China International Credit and Risk Management Conference

The Role of Information in Credit Risk Assessment- A Global Perspective -

Presented by Joachim C. Bartels, CEO;

Intrepid Explorers, Inc.at the First China Credit Management Conference Beijing, China; October 2004

IEIOctober 2004 - All Rights Reserved - Intrepid Explorers, Inc. - 1

First China International Credit and Risk Management Conference

Agenda Credit & Information The Business of Information Information and the Business Cycle State of Information- A Global Perspective -

IEIOctober 2004 - All Rights Reserved - Intrepid Explorers, Inc. - 2

First China International Credit and Risk Management Conference

Discussion Topics Credit & Information are Intertwined A Historical Perspective

IEIOctober 2004 - All Rights Reserved - Intrepid Explorers, Inc. - 3

First China International Credit and Risk Management Conference

Investment in Information The Most Precious Good in the Arabian Sea in the 17th Century?

Land Route: ‘The Runner’ 6 – 8 Months

Information …. Rather than Spices … Demand & Supply Pricing Credit

The Solution: Investment in InformationRound Trip 20 - 24 Months Infrastructure Rules Security- All Rights Reserved - Intrepid Explorers, Inc. - 4

IEIOctober 2004

First China International Credit and Risk Management Conference

Commercialization of Credit InformationThe USA in the 1830’s and 1840’sRapid Westward Migration of People and Trade

Limited Liability Concept - Corporation Massive Financial Crisis Bank Failures Bankruptcies

Systematic Collection and Distribution of Credit Information

IEIOctober 2004 - All Rights Reserved - Intrepid Explorers, Inc. - 5

First China International Credit and Risk Management Conference

Commercialization of Credit Information

Credit Ledgers Investigation The Internet

Most Famous Investigators

Worldwide Acceptance of Credit Information by 1900

1970’s from Paper to Digital Information6

IEIOctober 2004 - All Rights Reserved - Intrepid Explorers, Inc. - -

First China International Credit and Risk Management Conference

Agenda Credit & Information

The Business of Information The Concept of Information Pooling Data Sources Quality Norms and Standards Data Verification Data – Information - Knowledge

IEIOctober 2004 - All Rights Reserved - Intrepid Explorers, Inc. - 7

First China International Credit and Risk Management Conference

Information Suppliers ….Capital MarketPublic Corporations Large Privately Owned Corporations Local Rating Agencies

Bank & Trade CreditMedium Size BusinessesProfessionals / SOHO

Consumer CreditPrivate Individuals

SMEs b2b Credit InformationBusiness Data Credit Scoring Monitoring Alert Services

Global Rating AgenciesManual Analysis Knowledge Bases Expert Systems Software Tools

b2b User GroupsData Sharing Credit Scoring

Consumer Credit BureausData-based User Groups Positive & Negative Payment Information Credit Scoring Automated Risk Prediction and Loss Prevention8

IEIOctober 2004 - All Rights Reserved - Intrepid Explorers, Inc. - -

First China International Credit and Risk Management Conference

Concept of Information PoolingPublic SectorBusiness Registers Court System News Media Trade

Directories

Private SectorCompany News & Information

Compulsory

Private Sector Publications Press Clippings Product Information

VoluntaryFinancial Statements Trade Information

Register Data

Financial Statements

Investigation

Suits, Liens Judgments

Database

IEIOctober 2004 - All Rights Reserved - Intrepid Explorers, Inc. - 9

First China International Credit and Risk Management Conference

Concept of Information Pooling Credit Bureau – Closed User Group Concept Public SectorBusiness Court Registers System

Private SectorUser Group

Loan Information

Trade Information

Register Data

Financial Statements

Suits, Liens Judgments

DatabaseCredit Performance Credit Scores

IEIOctober 2004 - All Rights Reserved - Intrepid Explorers, Inc. - -

First China International Credit and Risk Management Conference

Public Sector / Private Sector Partnership Thailand Example Ministry of Commerce Ministry of Justice

Department of Registration

Court System

Registration in Thai and English

Balance Sheets

Bankruptcies Auctions

D&B

Database Turning Raw Data ....IEIOctober 2004 - All Rights Reserved - Intrepid Explorers, Inc. - 11

.... into Knowledge

First China International Credit and Risk Management Conference

Accuracy, Reliability and TimelinessFactsVersus Opinions

Credibility of the Source

Freshness of Data

Existing Data

Verification

Investigation

DatabaseIEIOctober 2004 - All Rights Reserved - Intrepid Explorers, Inc. - 12

First China International Credit and Risk Management Conference

Data - Information - KnowledgeTimeDepth

KNOWLEDGE INFORMATION DATABreadth

Universe

IEIOctober 2004 - All Rights Reserved - Intrepid Explorers, Inc. - 13

First China International Credit and Risk Management Conference

Discussion Topics Credit & Information The Business of Information

Information and the Business Cycle Complexity of Risk is Growing - New Demands on Information Trade Credit: Largest Source for Short Term Capital Credit Manager: A Custodian of an Important Asset Information Supporting Credit Decisions

…… 此处隐藏：5109字，全部文档内容请下载后查看。喜欢就下载吧 ……