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| Organizzazione | World Bank - Project on Credit Reporting Systems |
| Link al sito | econ.worldbank.org/programs/credit_reporting/ |
| Categoria di appartenenza del sito: | Credit bureau, Regulators bancari e finanziari |
| Nazione o Regione/Provincia | International |
| Outline del sito | A research project by the World Bank on credit registries, both public (i.e. Centrale dei rischi) and private (credit bureaux).
Contains links to survey papers and a list of national credit registries.
Includes also a section on Basel 2 and credit reporting systems. |
| Contenuti del sito |
By credit reporting system we mean a broader institutional framework in the economy, including the following elements :
- the public credit registry, if one exists
- private credit registries, including chambers of commerce, and banking associations, credit reporting bureaus
- the legal framework for credit reporting
- the legal framework for privacy, as it relates to this activity
- the regulatory framework for credit reporting
- the characteristics of other pertinent borrower data available in the economy
- the use of credit data in the economy, by financial intermediaries and others
- the cultural context for credit reporting
The development of a strong credit reporting system in a country requires appropriate public policies as well as both custom tailored public sector and private sector initiatives. The World Bank has developed a unique expertise on the public policy dimensions of credit reporting over the past five years, unmatched by other multi-laterals or private consulting firms. Findings from Bank-led research on this topic are published as a book in 2003 by MIT Press. Additional system design and content knowledge was acquired during a substantial East Asian study of credit information systems in five countries; China, Malaysia, Mongolia, The Philippines, and Vietnam in 1999.
The Wolrd Bank also provides operational support in the development of legal, regulatory and institutional framework for credit reporting in most regions around the world.
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