International Finance Corporation2015-02-262015-02-262012https://hdl.handle.net/10986/21545This second edition of the Credit Reporting Knowledge Guide aims to support the dissemination of knowledge on best practices in credit reporting development, based on IFC s experience. The original Credit Bureau Knowledge Guide (2006) elaborated on the knowledge gained over several years of running the Global Credit Reporting PrograCette seconde édition de Credit reporting: Meilleures pratiques internationales et études de cas a pour but de favoriser la diffusion de connaissances des meilleures pratiques en matière de credit reporting, d’après l’expérience de l’IFC. Le document d’origine, Bureaux d’information sur le crédit: meilleures pratiques internationales et études de cas (2006) se basait sur les connaissances acquises au cours de plusieurs années de fonctionnement du Programme mondial de credit reporting3 et fournissait à différentes parties prenantes, pour l’essentiel sur les marchés émergents, des ressources d’information complètes afin de les aider à développer leurs propres systèmes d’information sur le crédit. Cette seconde édition propose une mise à jour de ces informations et couvre les changements opérés dans les services associés au credit reporting au cours des six dernières années. Au nombre des nouveaux progrès abordés, on citera notamment le premier ensemble de normes universelles relatives au credit reporting, le credit reporting associé aux micro-, petites et moyennes entreprises et le rôle joué par le credit reporting dans le paysage mondial de l’octroi de prêt responsable, qui est actuellement en pleine évolution. Pour compléter les discussions théoriques, un ensemble d’études de cas vient mettre en avant différents aspects du développement de systèmes d’information sur le crédit.en-USCC BY-NC-ND 3.0 IGOACCESS TO CREDITACCESS TO FINANCEACCESS TO FINANCIAL SERVICESACCESS TO FINANCINGACCESS TO FORMAL CREDITACCESS TO FORMAL FINANCEAPPROVAL RATEAPPROVAL RATESARREARSASSETSASYMMETRIC INFORMATIONAVAILABILITY OF CREDITBAD CLIENTSBANKING SUPERVISIONBANKRUPTCIESBANKRUPTCYBANKSBENEFITS OF CREDITBORROWERBORROWINGBUSINESS CREDITBUSINESS FINANCESBUSINESS LOANSBUSINESS OWNERBUSINESS RECORDSCASH FLOWCHAMBER OF COMMERCECHAMBERS OF COMMERCECHAPTER 7CLAIMCOLLATERALCOMMERCIAL BANKSCOMMERCIAL LENDINGCOMPANY LAWCONFLICT OF INTERESTCONSUMER CREDITCONSUMER EDUCATIONCONSUMER LENDINGCONSUMER PROTECTIONCONSUMER PROTECTION LAWCONSUMER PROTECTION LAWSCOOPSCOURT JUDGMENTSCREDIT ACCESSCREDIT AGREEMENTSCREDIT BUREAUCREDIT BUREAUSCREDIT CARDCREDIT CARD ISSUERSCREDIT CARDSCREDIT DECISIONSCREDIT GROWTHCREDIT HISTORIESCREDIT HISTORYCREDIT INFORMATIONCREDIT INFORMATION BUREAUCREDIT LIMITSCREDIT MARKETCREDIT MARKETSCREDIT NEEDSCREDIT PROVIDERSCREDIT RATINGCREDIT RATING AGENCIESCREDIT RATINGSCREDIT REGISTRIESCREDIT REGISTRYCREDIT REPORTCREDIT REPORTINGCREDIT REPORTSCREDIT RISKCREDIT SCORECREDIT SCORESCREDIT SCORINGCREDIT SCORING MODELCREDIT UNDERWRITINGCREDIT WORTHINESSCREDITORCREDITOR BANKCREDITOR PROTECTIONCREDITORSCREDITWORTHINESSCREDITWORTHY BORROWERSDEBTDEBT MATURITYDEBT RATIOSDEBTORSDEBTSDEFAULTSDELINQUENCY RATESDEVELOPMENT FINANCEDUE DILIGENCEEARNINGSECONOMIC DEVELOPMENTECONOMIC GROWTHEMPLOYERSENTREPRENEURSEXISTING CREDITEXTENSION OF CREDITFAIR CREDITFARMERSFINANCE CORPORATIONFINANCIAL CRISISFINANCIAL DEVELOPMENTFINANCIAL EDUCATIONFINANCIAL INFRASTRUCTUREFINANCIAL INSTITUTIONFINANCIAL INSTITUTIONSFINANCIAL INTERMEDIARIESFINANCIAL INTERMEDIATIONFINANCIAL LIBERALIZATIONFINANCIAL LITERACYFINANCIAL MARKETSFINANCIAL OBLIGATIONSFINANCIAL PRODUCTSFINANCIAL SERVICES INDUSTRYFINANCIAL STABILITYFINANCIAL SUSTAINABILITYFINANCIAL SYSTEMFINANCIAL SYSTEMSFIRST CREDITFORM OF CREDITFORMAL FINANCIAL SERVICESFRAUDGENDERGREATER ACCESSGROUP GUARANTEESGROUP LENDINGGROUP OF BANKSHOUSEHOLDSIDINCOME STATEMENTSINDEBTEDNESSINDIVIDUAL ENTREPRENEURSINFORMATION ASYMMETRYINFORMATION INFRASTRUCTUREINFORMATION SHARINGINFORMATION TECHNOLOGYINFORMED CHOICESINTEREST RATESINTERNATIONAL FINANCEINTERNATIONAL LAWISSUE OF ACCESSJOB CREATIONJUDGMENTJUDGMENTSJURISDICTIONSLATE PAYMENTSLEGAL FRAMEWORKLEGAL REQUIREMENTSLENDERLENDERSLENDING DECISIONSLENDING PORTFOLIOSLIABILITYLIMITED ACCESSLOANLOAN AGREEMENTSLOAN AMOUNTSLOAN PORTFOLIOLOAN PORTFOLIOSLOAN PROCESSINGLOAN SIZEMANDATEMFIMFISMICROFINANCEMICROFINANCE INSTITUTIONMICROFINANCE INSTITUTIONSMORTGAGEMORTGAGE LENDERSNATIONAL BANKNEED FOR CREDITNEW CREDITNONPAYMENTOWNERSHIP STRUCTURESPAYMENT HISTORYPERSONAL FINANCESPOTENTIAL BORROWERPRIVATE CREDITPRIVATE INVESTORSPROFITABILITYPROPERTY RIGHTSPROPRIETORSHIPSPROSPECTIVE BORROWERPROSPECTIVE BORROWERSPUBLIC CREDITPUBLIC EDUCATIONPUBLIC-PRIVATE PARTNERSHIPPUBLIC-PRIVATE PARTNERSHIPSREAL ESTATEREGIONAL CREDITREGULATORY FRAMEWORKREGULATORY FRAMEWORKSREMITTANCEREPAYMENTREPAYMENT HISTORIESREPAYMENTSRISK MANAGEMENTSALARYSAVINGSSECURITIESSECURITIES SETTLEMENTSECURITIES SETTLEMENT SYSTEMSSMALL BANKSMALL BANKSSMALL BUSINESSSMALL BUSINESS LENDINGSMALL BUSINESS OWNERSSMALL BUSINESSESSMALL ENTERPRISESMALL LOANSSMALL-BUSINESSSOCIAL SECURITYSOURCE OF INCOMESTART-UPSTART-UP COSTSTAX BURDENSTECHNICAL ASSISTANCETRADE CREDITTRANSACTION COSTSUNIONUNPAID DEBTSVENTURE CAPITAL10.1596/21545