银行保密法对征信发展的影响ppt】.ppt

Impact of Bank Secrecy Laws on the Development of Credit Reporting银行保密法对征信发展的影响
David Medine
Wilmer Cutler Pickering Hale and Dorr LLP
芳愈历令犯闯绘挽迫破悼顺谎酱心巩彦屏赚白鞘溃寒脑评驰将买肉婶傻办银行保密法对征信发展的影响银行保密法对征信发展的影响
Introduction to Credit Reporting关于征信的介绍
Credit reporting refers to the exchange of borrower payment history information between lenders
征信是指贷款人之间关于借款人还款历史信息的交换
data in credit reports enables lenders to better evaluate risk
信用报告中的数据使贷款人能够更好地评价风险
provides for automation of credit decision process
为信用决策过程自动化作准备
reduces time and cost of extending credit
减少提供贷款的时间和成本
often results in:
常常导致:
expansion of credit markets
信贷市场的膨胀
petition
更多的竞争
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Introduction to Bank Secrecy银行保密法的介绍
Bank secrecy laws protect customers from unwanted distribution of their personal financial data
银行保密法保护客户,使其个人财务数据免于不必要的散布
Can encourage deposits
能够鼓励存款
Sometimes subject to criminal penalties
有时使触犯者受到刑事处罚
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Reasons for Bank Secrecy Laws制定银行保密法的原因
Reasons for the existence of bank secrecy laws include:
银行保密法存在的原因包括:
Legitimate reasons, often involving concealing wealth:
合法的原因,通常涉及隐蔽财产
avoid theft, extortion and kidnapping in developing countries
避免发展中国家的偷窃,勒索和绑架
protect against fraud
以防欺诈行为
general privacy concerns
一般的隐私考虑
Less savory:
不好的方面
tax evasion 逃避税赋
avoid legal obligations, ., child support or alimony
逃避法律责任,例如:孩子的抚养或赡养费
money laundering 洗钱
hide poor performing loans 隐瞒不良贷款
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Relationship Between Bank Secrecy and Credit Reporting银行保密与征信的关系
Credit reporting is established in virtually every developed country
事实上,征信系统建立在每一个发达国家
But, still absent from many developing nations
但是,许多发展中国家还没有
Bank secrecy laws often cited as:
银行保密法通常被引用作为:
primary reason for the absence of credit reporting or
没有信用报告的主要原因或
for significant limitations on credit reporting
信用报告有重大局限的原因
such as information sharing being restrict