Kredit byurosi va ma'lumotlar puli

Kontekst: nima uchun CRIFni tanlash kerak?

Iste'molchilar va kompaniyalarga kredit liniyasi kerak bo'lganda, maqsaddan qat'i nazar, masalan, uy yoki mashina sotib olish, ishlab chiqarishni ko'paytirish uchun texnika sotib olish yoki xalqaro miqyosda kengayish uchun investitsiyalar kiritish kabi maqsadlarda, banklar va moliya institutlari ariza beruvchining kreditga layoqatliligini baholash uchun uning kredit profilining to'liq tasviriga muhtoj.

Tovarlar yoki xizmatlar ochiq hisob-faktura bilan yetkazib beriladigan va mijozlarga asosan kredit beriladigan boshqa sohalarda moliyaviy bo'lmagan ma'lumotlarga asoslangan kreditga layoqatlilikni baholash ham muhim ahamiyatga ega.

Kredit byurolari va ma'lumotlar pullari, ayniqsa moliyaviy inklyuzivlik yanada qiyin bo'lgan notinch davrlarda, kredit bo'yicha xabardor qarorlar qabul qilish imkonini beradi. Aynan shu yerda CRIF o'z obro'si va tajribasini yaratdi va mamlakatlarga moliyaviy inklyuzivlik va moliyaviy infratuzilma yo'l xaritasini ishlab chiqishda yordam berdi.

Findomestic Banca

The information power of Credit Bureau data and the "impacts on the income statement"

CLIENT: Findomestic Banca is an Italian credit institution, specializing in credit to families for the purchase of goods and services for private use.
The company provides families with credit, savings and insurance products, created according to the principles of responsibility and sustainability, values at the center of Findomestic's choices.

NEEDS: reduction of cost to income and optimization of acceptance processes with reduction of operating costs.

SOLUTION: CRIF Information Core, CRIF Credit Bureau Score - and consultancy for the revision of the origination process.

RESULTS: increase in the automatic hesitation rates of practices, savings in terms of FTE, improvement of SLAs and reduction of the cost of the overall risk.

"The interventions to optimize the decision-making strategies, defined in the context of the collaboration between Findomestic and the CRIF consultants, have allowed an efficiency which can be translated into a potential saving of over 1 million euros per year in terms of operating costs."

Angelo Piazza, Central Director of the Credit Risk Division of Findomestic Banca