William Lim, Executive Director Credit Bureau Singapore

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?? Goals. ???????? Short Introduction on CBS?????????:???? Understanding Debt Collection for Today\'s Topic ??????????????? Credit Bureau Operations in Specific Countries???????????????? Business Relationship between Credit Bureau and Collection Agencies?????????????????????? What is the Future for Credit Bureau and Debt Collection Relationship .

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征信机构在贷款追收业务中的作用 新加坡征信局执行董事 林华亮 William Lim, Executive Director Credit Bureau Singapore The Relationship between Credit Bureau and Collection Agencies

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新加坡征信局简介 Short Introduction on CBS 了解今天的演讲主题:贷款追收 Understanding Debt Collection for Today's Topic 在一些国家里征信机构的运作情况 Credit Bureau Operations in Specific Countries 征信机构和贷款追收机构的商业关系 Commercial Relationship between Credit Bureau and Collection Agencies 征信机构与贷款追收机构之间关系的未来发展前景 What is the Future for Credit Bureau and Debt Collection Relationship 提纲 Objectives

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新加坡征信局 Credit Bureau Singapore

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新加坡征信局简介 A BOUT CBS NSP VEA IHPL 邓白氏( S ) D&B (S) 邓白氏( M ) D&B (M) 新加坡征信局 CBS IOB IDB 邓白氏国际 D&B Int 新加坡银行公会 ABS 简写 Key: VEA – Veda Advantage 公司 ABS – 新加坡银行公会 Association of Banks in S'pore IHPL – Infocredit 控股公司 Infocredit Holdings

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新加坡征信局有限公司由新加坡金融管理局在 2002 年 8 月公布设立,以运作新加坡银行公会征信局,为金融机构提供服务 C redit Bureau (Singapore) Pte Ltd was gazetted by MAS in August 2002 to work the ABS Credit Bureau for the money related organizations. 成员 Members 所有零售银行 All Consumer Banks 金融公司(财务公司) Finance Houses 信用卡发卡机构 Credit Cards Issuers 证券经纪公司(即将) Securities Broking Houses (soon) 放贷人(即将) Money Lenders (soon) 新加坡金融管理局批准的其它机构 Any Approved Bodies by MAS 新加坡征信局简介 About CBS

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新加坡征信局正式成立公告 Gazetting of the Bureau 2002 年 8 月 21 日 21 August 2002 Copyright Infocredit

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第一方--通常为拥有原始债务的企业和部分原始债权人。他们一般不受收帐条例的约束。 1 st Party – Usually organization that possesses the first obligation and some portion of unique loan boss. Generally not subject to accumulation directions. 第三方--不是原始贷款合同的当事方,通常是按风险收益原则运作的收帐机构。它们要遵守收帐条例的规定。 outsider – Not gathering to unique contract and more often than not the accumulation organizations who work on possibility premise. Pull in administrative rules. 收帐-特点 Collection - Distinction

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一个最常用的收帐战术--向征信机构报告。通常,贷款人向欠款人发出催款书,并附最后警告信,说明如不付款将向征信机构报告,不良记录将保留在借款人的档案中。 One basic strategy to gather Debt – Notification to Credit Bureaus. Normally, request letters with definite letter cautioning that name will be accounted for to the credit authority and recorded on the credit document. 拥有不良付款记录的债务人的负面信息会在征信机构的档案中保留 7 年。这可能导致他未来的信贷申请被拒绝,或贷款成本增加。 Prompts activity since name deliquent a/c remains for up to 7 years. Future credit might be denied or cost more. 这是强有力的被动收帐工具。违约人在贷款申请遭到拒绝后,会找上门来 Powerful uninvolved gathering device. Defaulters bring in when credit application denied. 收帐 Collection

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该法是为了禁止收债人滥用收债权力。此外,还须遵守其它规范收债行为的联邦法和州法 To preclude oppressive practices by obligation gatherers. Other State and Federal laws overseeing obligation gathering hones apply. 与第三方进行沟通--除了法律规定的个人、律师和个人征信机构外,在没有经过债务人同意的情况下,不得将信息披露给任何第三方 Communication with 3 rd P – no comms w/o assent on gathering of obligation to any P other than customer, lawyer, CRA if allowed by law … .. 拒绝偿还债务的债务人清单只能在符合法律规定情形时报告给个人征信机构,否则视为违反该法 Violation unless the distribution of rundown of customers who decline to pay obligations is made to a CRA meeting prerequisites of the Act. 与收帐相关的法律: 《 正当收债行为法 》 Collection Laws – Fair Debt Collection Practices Act

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一些亚洲国家征信机构的实际运营环境 Reality of Bureau Operations in Some Asian Countries

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亚太区征信机构的发展 R egional Credit Bureau Development 中国(正面/负面)个人/企业 China Credit Reporting Center 韩国(正面信息)个人征信局 S th Korea Positive Consumer Bureau 台湾(正面信息)个人征信局 Taiwan Positive Consumer Bureau 香港(正面信息)/个人/企业征信局 Hong Kong Positive Consumer/Commercial Bureau 泰国(正面信息)个人征信局 Thailand Positive Consumer Bureau 印度(正面信息)个人/企业征信局 India Positive Consumer/Com Bureau 马来西亚(正面信息)个人/商业征信局 Malaysia Positive Consumer/Commercial Bureau 斐济/萨摩亚(负面信息)征信局/个人/企业 Fiji/Samoa Negative Bureau Consumer/Commercial 新加坡(正面信息)个人征信局 Singapore Positive Consumer Bureau 澳大利亚(负面信息)征信局,个人/企业 Australia Negative Bureau Consumer/Commercial 新西兰(负面信息)征信局,个人/企业 New Zealand Negative Bureau Consumer/Commercial

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成熟的立法 Mature bit of Legislation 促进信用报告的准确性,保护隐私 Promote Accuracy and ensure Privacy 征信机构--收集你的信息并将其出售给贷款人、保险机构和企业的公司 Credit Reporting Agencies – Companies that accumulate and offer Information about you to Creditors, Insurers, Businesses 目的--信贷交易、招聘、保险发放、儿童赡养义务、筛选承租人等 Purposes – Credit Transactions, Employment, Insurance Underwriting, Child Support Obligations, Tenant Screening and so on 《 公平信用报告法 》 Fair Credit Reporting Act

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泰国: 《 信用信息经营法 》 Thailand – Credit Information Business Act 新加坡 《 银行法 》 /自愿性的行为守则 Singapore – Banking Act/Voluntary Code of Conduct 马来西亚-- BNM 马来西亚中央银行法 Malaysia – BNM Central Bank of Malaysia Act 香港: 《 隐私法 》 Hong Kong – Privacy Code 台湾:财政当局 Taiwan – Min Of Finance 针对征信机构的法规--现实考虑 Regulations on Bureau – Practical Considerations

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只有金融机构才能获得信用报告,而收帐机构不是金融机构。该法对金融机构有明确定义 Only FIs can get to credit report and obligation gathering organization is not viewed as FI. FI is characterized in the Act. 只有金融机构会员才能向征信机构提交数据。如果欠付,贷款仍然簿记在金融机构上,则该信息可以提交征信机构 Only individuals who are FIs can send information to NCB. In the event that advance still reserved at FI, the data can be stacked. 泰国-- 《 信用信息经营法 》 Thailand – Credit Information Business Act

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严格的立法,征信机构必须获得经营许可证 Strict Legislation and Credit Information Company must be authorized 当出现付款违约时,征信机构会员应向征信局报告违约事件的发生日 (s.19) When a default for installment happens, part should report the date of initiation of default (s.19) 获得的信息只能用于 s. 20 中规定的目的,即信贷分析或信用卡发放 Recipient of Info must utilized just as recommended under s. 20 ie. breaking down credit or allow of charge card 惩罚--民事( s.41 )和刑事责任( s.42 ) Punishment – Civil (s.41) and Criminal Liability (s.42) 泰国-- 《 信用信息经营法 》 Thailand – Credit Information Business Act

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遵循银行和金融机构法,以及伊斯兰银行法 Banking and Financial Insts Act and Islamic Banking Act additionally apply. 从所有有经营执照的商业银行、伊斯兰银行、商人银行和财务公司处获得信用信息 Uploads credit data from all authorized business, Islamic, shipper banks, Fin Hses and so on 通过 NRD 和 SSM 来获得个人和企业信息 Individual and Company Information through NRD and SSM 数据仅能用于信贷评估。例如,不能将数据用于金融产品的市场营销 Access restricted to credit assessment. For eg not for advertising of blade pdts. 信息被设定为保密信息,因此需要符合银行保密要求和对信息的披露限制 Information delegated mystery so saving money mystery applies and exposure constrained. 马来西亚-- 《 马来西亚中央银行法 》 Malaysia –Central Bank of M'sia Act

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属于台湾财政当局的管辖范畴 Under domain of MOF 收集贷款信息、拖欠信息、退回(空头)支票信息--收集的信息很丰富,且仍在不断完善中 Loan data, reprobate status, shamed checks – rich information and as yet developing 收帐机构无法获得征信中心的信息 Collection organizations can't get to agency 正在研究资产管理公司是否可以成为会员 Evaluating AMCs to be individuals 台湾--财团法人金融联合征信中心 ( JCIC ) Taiwan - JCIC

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规范与个人有关的数据,所有与个人数据有关的数据使用者都须遵守该法 Covers information identifying with individual and applies to any information client that arrangements with individual information. 列明了数据保护原则--目的、收集方式、使用、期限、准确性、安全性等 List of Data Protection Principles – Purpose, way of gathering, utilize, span, precision, security and so on 收帐机构无法获得征信机�

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