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1、Credit Reporting by Micro Lending Institutions in South Africa 南非小额贷款机构的征信制度Agenda nbrief background to CompuScanCompuScan的背景简介nan overview of MCIs in South Africa南非小额贷款机构概览 nthe credit information that we provide我们提供的信用信息nMCI reporting requirements 小额贷款机构的征信要求nregistry consultation pricing 征信局咨询定价n
2、the information system信息系统nsupport and training needs of MCIs小额贷款机构需要支持和培训nthe benefit to borrowers 对借款者的好处nand the future outlook. 未来展望Background on CompuScan 背景简介nCompuScan is a credit reporting and risk information company for Micro Credit Institutions (MCIs)CompuScan是针对小额贷款机构征信和风险信息管理的公司nWe prov
3、ide MCIs with credit information, systems, methodologies and training to manage sustainable credit operations, and share borrower information in order to avoid borrower over-indebtedness and reckless credit granting我们向小额贷款机构提供信用信息、系统、方法及训练来维持信贷业务，与借款者分享信息 以避免借款者过度借债以及不计后果的授信。nCompuScan was formally
4、established in 1995 and has become the leader in its field, CompuScan于1995年正式成立，现在已经成为征信领域的佼佼者了。nOperating throughout 业务遍及南非、纳米比亚、博茨瓦纳nWe develop, host and manage information technology (IT) requirements in-house. In 1999, Compuscan was awarded the “Sun and Oracle” partner of the year award我们在公司内部开发
5、并管理信息技术1999年，公司被授予“太阳神灵”称号South Africa Namibia BotswanaMCIs in South Africa 南非的小额贷款机构nMCIs are consumer finance companies that provide unsecured small cash loans not exceeding R10 000 (US$1515.15) to borrowers within government controlled regulations R10 000 (US$1515.15) 小额贷款机构是消费者金融公司，它们在政府控制的法规范围内
6、向借款者 提供无担保的小额现金贷款，其额度不超过10 000 兰特(1515.15美元) nThe micro credit industry estimated annual turnover between 20 and 30 billion Rand (3.03 and 4.55 billion US$)估计每年的小额信贷总额为200到300亿兰特(30.3 到 45.5 亿美元）nMCIs that provide micro credit: 提供小额贷款的机构MC Institution Type 类型MC Entities MC Branches Banks银行92387Publi
7、c Companies* 公营企业415Private Companies 私营企业13524803 #mainly small companies 主要是小公司 NGO/Non-Profits*非政府组织/ 非盈利性机构1754Cooperatives/Credit unions 合 伙人组织/信用联盟242Total 总计14097301*Ptys/CCs/Trusts have been grouped together. * NGO/Non-Profits provides small loans to small/micro businesses.nBanks and private
8、 MCI are for-profit and up the biggest market share of the micro credit industry银行和私营小额贷款机构是赢利性的，占据了小额贷款市 场的最大份额nThe NGOs/Non-Profits provides small loans to micro/small businesses and only makes up a small percentage (approximately 1-2%) of the market非政府组织或非盈利性机构也向小型企业提供小额贷款， 但只占据市场的一小部分，约为12nThe m
9、icro credit industry has a 5-8% market share of the total consumer credit industry in South Africa小额贷款占据了南非总的消费者贷款的58MCIs in South Africa 南非的小额贷款机构CompuscanMain consumer CR Transunion ITC 主要消费者征信局 环联ITC Main consumer CR Experian 主要消费者征信局 益百利Managed / synchronised Banks/NBFIs 银行/非银行金 融机构Socio- Demo.
10、Data & Public Registries E.g.courts, liensUtilities 公用事业Credit information provided to MCIs 向小额贷款机构提供的信用信息MCI & Consumer dataMerchants 商业企业 Banks/Larger MCIs 银行/ 较大的小额贷款机构3000 MCI subscribers +_50 % of MCI market 3000个小额贷款机构用户， 占小额贷款市场的50 Compuscan MCI database Private 私人数据库NLR MCI database Public 公
11、共数据库MCI & Consumer data 小额贷款机构和消费者数据MCI data 小额贷款机构数据Banks/Larger MCIs 银行/ 较大的小额贷款机构MCI & Consumer data 小额贷款机构和消费者数据Compuscan CRNLROther data sourced from main CR 来自主要征信局的其它数据 MCI repayment data 小额 贷款机构还款数据MCI & consumer repayment data 小额贷款机 构和消费者还款数据Consumer collection data回收 消费者贷款的数据MCI collection
12、 data 小额贷款机构回收贷款的数据Contact-ability dataCivil court judgments 民法判定Contact-ability data 与客户的联系能力Previous enquires 与客户的联系能力Scores, verifications, alerts 评分、核实、警告Alerts, verifications 警告和核实Defaults 违约Previous enquires 事前问询Data usage 数据使用q70% of subscribers consult and report on Compuscan and the NLR, 20
13、% are being recruited. 10% are prohibited from using the NLR (not registered with Regulator). qOf the 70%, 12 % use value add data from main CR. q70的用户向 Compuscan和NLR 咨询和报告信息；20 正在登记；10被 禁止使用NLR（没有 向监管者登记） q在 70%的用户中, 12 % 使用 了来自主要征信局的增值数据 Pricing 定价Data 数据Standard Price 标准价格 CompuScan Credit check
14、R433.20 (US$65.64) p/m (includes 100 free consultations per month) NLR + summary consumer data NLR加上总的消费者数据R2.51 (US$0.38) each consultation NLR + detail consumer data NLR加上详细的消费者数据R5.13 (US$0.70) each Value add data from main CR. 来自主要征信局的增值数据R5.13 (US$0.70) R11.90 (US$1.80) Depending on choice of d
15、ata 依赖于数据选择Price band of majority subscribers. Average MCI expenditure is approximately R690.00 (US$104.55) p/m. qVolume discounts are provided to the bigger MCIs较大的小额贷款 机构可以使用贷款额度折扣q Includes access to the full system functionality, enabling the MCI to consult, report, and comply with regulatory requirements 包括整个征信体系功能的实现，使得小额贷款机构能够咨询、报告以及满足监管要求qThe data is complete and sufficient to enable
