南非小额贷款机构的征信制度

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1、CreditReportingbyMicroLendingInstitutionsinSouthAfrica南非小额贷款机构的征信制度AgendabriefbackgroundtoCompuScanCompuScan的背景简介anoverviewofMCI’sinSouthAfrica南非小额贷款机构概览thecreditinformationthatweprovide我们提供的信用信息MCIreportingrequirements小额贷款机构的征信要求registryconsultationpricing征

2、信局咨询定价theinformationsystem信息系统supportandtrainingneedsofMCI’s小额贷款机构需要支持和培训thebenefittoborrowers对借款者的好处andthefutureoutlook.未来展望BackgroundonCompuScan背景简介CompuScanisacreditreportingandriskinformationcompanyforMicroCreditInstitutions(MCI’s)CompuScan是针对小额贷款机构征信和风险

3、信息管理的公司WeprovideMCI’swithcreditinformation,systems,methodologiesandtrainingtomanagesustainablecreditoperations,andshareborrowerinformationinordertoavoidborrowerover-indebtednessandrecklesscreditgranting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

4、的授信。CompuScanwasformallyestablishedin1995andhasbecometheleaderinitsfield,CompuScan于1995年正式成立，现在已经成为征信领域的佼佼者了。Operatingthroughout业务遍及南非、纳米比亚、博茨瓦纳Wedevelop,hostandmanageinformationtechnology(IT)requirementsin-house.In1999,Compuscanwasawardedthe“SunandOracle”pa

5、rtneroftheyearaward我们在公司内部开发并管理信息技术1999年，公司被授予“太阳神灵”称号SouthAfricaNamibiaBotswanaMCI’sinSouthAfrica南非的小额贷款机构MCI’sareconsumerfinancecompaniesthatprovideunsecuredsmallcashloansnotexceedingR10000(US$1515.15)toborrowerswithingovernmentcontrolledregulationsR10000(

6、US$1515.15)小额贷款机构是消费者金融公司，它们在政府控制的法规范围内向借款者提供无担保的小额现金贷款，其额度不超过10000兰特(1515.15美元)Themicrocreditindustryestimatedannualturnoverbetween20and30billionRand(3.03and4.55billionUS$)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）MCI’sthatprovidemicrocredit:提供小额贷款的机构MCInstitutio

7、nType类型MCEntitiesMCBranchesBanks银行92387PublicCompanies*公营企业415PrivateCompanies私营企业13524803#mainlysmallcompanies主要是小公司NGO/Non-Profits**非政府组织/非盈利性机构1754Cooperatives/Creditunions合伙人组织/信用联盟242Total总计14097301*Pty’s/CC’s/Trustshavebeengroupedtogether.**NGO/Non-Pro

8、fitsprovidessmallloanstosmall/microbusinesses.BanksandprivateMCIarefor-profitandupthebiggestmarketshareofthemicrocreditindustry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TheNGO’s/Non-Profitsprovidessmallloa