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1、The material in this presentation is the property of Fair Isaac Corporation. This material has been provided for the recipient only, and shall not be used, reproduced, copied, disclosed, transmitted, in whole or in part, without the express consent of Fair Isaac Corporation. 2007 Fair Isaac Corporat
2、ion. Confidential. TitleSubtitlel 征信产品在商业银行信用风险管理中的 应用高级研讨会 l 信贷评分方法在建立可持续的中小 企业信贷业务中的作用 What Roles Can Credit Scoring Methodology Play in Building Sustainable SME Portfolio2 2007 Fair Isaac Corporation. Confidential. 技术创 新概念特点及案例继电 保护基础知识加快转变发 展方式课件家居门店业绩 提升方案l 导言 Introductionl 中小企业的定义 The Small an
3、d Medium Enterprise (SME) definedl 数据对中小企业信贷决策的作用 The Relevance of Data for SME decision-makingl 贯穿中小企业客户生命周期的信贷评分工具 Credit Scoring across the SME account life cyclel 结论 Conclusion议程 AGENDA 2007 Fair Isaac Corporation. Confidential. 3 2007 Fair Isaac Corporation. Confidential. 技术创 新概念特点及案例继电 保护基础知识加
4、快转变发 展方式课件家居门店业绩 提升方案l 导言 Introductionl 中小企业的定义 The Small and Medium Enterprise (SME) definedl 数据对中小企业信贷决策的作用 The Relevance of Data for SME decision-makingl 贯穿中小企业客户生命周期的信贷评分工具 Credit Scoring across the SME account life cyclel 结论 Conclusion 2007 Fair Isaac Corporation. Confidential. 议程 AGENDA4 2007
5、Fair Isaac Corporation. Confidential. 技术创 新概念特点及案例继电 保护基础知识加快转变发 展方式课件家居门店业绩 提升方案中型和小型企业（中小企业） 详细定义 The Small and Medium Enterprise (SME) definedl 设定背景对经济的贡献 Setting the context/Economic relevance:l欧洲 Europel拉丁美洲 Latin Americal美国 USl中国 China 2007 Fair Isaac Corporation. Confidential. 5 2007 Fair Isa
6、ac Corporation. Confidential. 技术创 新概念特点及案例继电 保护基础知识加快转变发 展方式课件家居门店业绩 提升方案 设定背景（欧盟）：欧洲委员会关于中小企业的官方定义 Setting the context (EU): European Commission official definition of an SME*l具有以下特征的企业 A business entity thatl员工人数少于250人 Has no more than 250 employees l单个更大企业股东单独或联合持有的股份少于25 Is not more than 25% own
7、ed, either singly or jointly, by a larger company l年销售额少于4300万欧元 Has an annual turnover of no more than 43 million *欧洲委员会布鲁塞尔， 2003年5月6日 European Commission Brussels May 6, 20036 2007 Fair Isaac Corporation. Confidential. 技术创 新概念特点及案例继电 保护基础知识加快转变发 展方式课件家居门店业绩 提升方案设定背景（欧盟）：对经济的贡献 Setting the context
8、 (EU): Economic relevancel微型和中小企业对社会和经济起着十分重要的作用 Micro, small and medium-sized enterprises are socially and economically important l欧盟99的企业为微型和中小企业 Represent 99% of all enterprises in the EU l这些企业提供了6500万个就业机会 Provide around 65 million jobsl为放贷人带来许多业务成长机会 Lots of growth opportunities for lenders2004
9、年Eurobarometer对创业精神的调查：在过去三年中，只有4的 欧洲人参与了企业创办（而美国的这一比例接近12） 2004 Eurobarometer survey on entrepreneurship: Only 4% of Europeans involved in setting up a business in last 3 years (US rate is close to 12%)7 2007 Fair Isaac Corporation. Confidential. 技术创 新概念特点及案例继电 保护基础知识加快转变发 展方式课件家居门店业绩 提升方案设定背景（拉丁美洲
10、）：小企业定义 Setting the context (Latin America):Small business definition哥伦比亚 COLOMBIAl员工人数不超过200人 Number of Employees up to 200 l年销售额少于100万美元 Annual Sales of up to $1 million l信贷总额不超过20万美元 Credit of up to $200,000 l小企业的类型 Types of Small Businesses:l个人独资 Sole Proprietorsl合伙制 Partnershipsl公司制 Corporation
11、s墨西哥 MEXICOl员工人数不超过100人 Number of Employees up to 100 l年销售额不超过50万美元 Annual Sales of up to $500,000 l信贷总额不超过20万美元 Credit of up to $200,000 l小企业的类型 Types of Small Businesses:l个人独资 Sole Proprietorsl合伙制 Partnershipsl公司制 Corporations8 2007 Fair Isaac Corporation. Confidential. 技术创 新概念特点及案例继电 保护基础知识加快转变发
12、展方式课件家居门店业绩 提升方案设定背景（拉丁美洲）：对经济的贡献 Setting the context (Latin America): Economic relevancel 小企业部门是最大的就业来源，它促进了经济和社会的发展 Economic growth and social development by being the leading source of employmentl在哥伦比亚，63的就业机会来自于小企业部门 In Colombia the small business sector employs 63% of work forcel在墨西哥，78的就业机会是由小
13、企业部门创造的 In Mexico 78% of work forcel 绝大部分的产品用于满足国内消费需求 Majority of production is for internal consumptionl哥伦比亚25的国内产出来自小企业部门 Colombia 25% internal production l墨西哥68的国内产出来自小企业部门 Mexico 68% internal productionl 信贷的可获得性对小企业的生存发挥着至关重要的作用 Credit availability plays a fundamental role for survival of the s
14、mall businessl 小企业较难获得资金和最新技术 Small businesses have limited access to funding and consequently to the newest technology9 2007 Fair Isaac Corporation. Confidential. 技术创 新概念特点及案例继电 保护基础知识加快转变发 展方式课件家居门店业绩 提升方案设定背景（美国）：小企业的定义 Setting the context (US): Small business definitionl 年销售额不超过500万美元 Annual Sal
15、es of up to $5 million l 信贷额不超过25万美元 Credit of up to $250,000l小企业的类型 Types of Small Businesses:l个人独资 Sole Proprietorsl合伙制 Partnershipsl公司制 Corporationsl 美国”官方“定义 The “Official” US Definition: 美国的小企业是指独立拥有和经营的，在其行业领域不占主导地位的，符合美国小企业管理 局发布的（联邦法规汇编第13篇第121条，修订条款）有关小企业的员工人数、平均年 销售额或其它划分指标的企业 A small busi
16、ness is a U.S. business that is independently owned and operated, is not dominant in its field of operation and can qualify under criteria concerning number of employees, average annual receipts or other criteria as outlined by the U.S. Small Business Administration (CFR Title 13, Part 121, as amended)l企业规模标准依据不同行业和行业分类来决定。没有一个固定的规则是一个复杂的随时可能变动 的目标
