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May 30, 2019,Public Policy for Credit Reporting Systems,1,Workshop Group A,Motivating Lenders to Share Their Data Is there a Role for the Public Sector: In Jump-Starting Information Sharing? What are the Pitfalls of Such Intervention?,/game/489.html 蝙蝠侠：阿卡姆起源,May 30, 2019,Public Policy for Credit Reporting Systems,2,Motivating Lenders to Share Their Data.,Yes, Lenders Can Be Motivated, but .,May 30, 2019,Public Policy for Credit Reporting Systems,3,Is there a Role for the Public Sector?,Without Central Bank Mandate no Information Sharing. Time Wasted though Lack of Action!,Mandate the Use of Shared Data in Risk Assessment Penalties for Non-compliance Forced Provisioning Higher Capital Requirements,May 30, 2019,Public Policy for Credit Reporting Systems,4,Legal Framework Support Pilot Studies Assistance in Start-ups Set Rules and Operating Requirements Issues License for Credit Bureau Operators Conducts Compliance Audits Access to Public Registers Safeguard Privacy and Confidentiality,Is there a Role for the Public Sector?,Central Bank is Responsible for Financial Health of the Financial Sector,May 30, 2019,Public Policy for Credit Reporting Systems,5,What are the Pitfalls of Such Intervention?,NONE: Because the Health of the Financial System and Economy is at Stake!,May 30, 2019,Public Policy for Credit Reporting Systems,6,Significant Incentives / Benefits for Banks,Enhances Lending Benefit to Consumers and Businesses Economy Greater Penetration of Credit Accurate Risk Prediction Fraud Prevention Substantially Lower Loan Defaults More Value Added Products: Automated Decision Processes Fraud Prevention / Scoring and Monitoring Cost Reduction through Volume Discounts Lower Cost in Credit Process,May 3