A Credit Score System for Socially Responsible Lending

Ethical banking, microfinance institutions or certain credit cooperatives, among others, grant socially responsible loans. This paper presents a credit score system for them. The model evaluates social and financial aspects of the borrower. The financial aspects are evaluated under the conventional banking framework, by analysing accounting statements and financial projections. The social aspects try to quantify the loan impact on the achievement of Millennium Development Goals such as employment, education, environment, health or community impact. The social credit score model should incorporate the lender’s know-how and should also be coherent with its mission. This is done using Multi-Criteria Decision Making (MCDM). The paper illustrates a real case: a loan application by a social entrepreneur presented to a socially responsible lender. The decision support system not only produces a score, but also reveals strengths and weaknesses of the application.     

黑龙江省农村信用社发展小额诚信贷款问题的研究

目前,黑龙江省农村信用社的发展还处于较低水平,发展过程还存在诸多问题.农村信用社总体上信贷规模小,资金供给不足;风险防范意识薄弱,缺乏市场竞争思想;产权归属不明,内部管理混乱.应借鉴国内发达省市经验,开展金融产品和服务创新,扩大存、贷款规模;以市场为导向,以赢利为目标,以利率为杠杆,减轻市场风险,维持农信社的持续经营;加快变革农村信用社的产权制度,明晰产权归属,完善法人治理结构;有效建立信用评级组织,开展政策性保险,以多渠道防范小额信贷的信用风险.     

生态消费视域下农村信用社发展消费信贷问题探究

党的十八届三中全会提出了发展生态经济,建设生态文明的发展战略,生态消费作为生态经济的一部分,它的发展直接影响到生态经济的建设。为促进生态消费健康发展,农村信用社自身要树立“绿色信贷”意识,提升信贷资金的生态含量;建设“绿色信贷”机制,明确信贷资金的生态准入标准;发展信贷绿色决策制度,正确引导信贷资金的投向,并适时增加消费信贷品种,推动农村居民消费结构合理转变。     

Export Credit Agency Activities in Developing Countries

International trade has been considered one of the main reasons for wealth increase in many countries. In the past, more developed countries were able to reach their current prevailing economic conditions mainly by exporting to less developed countries, especially through capital goods and by financing local projects. More recently, the pendulum has swung in the direction of the developing world, especially toward China and South Korea in East Asia, Brazil and Argentina in Latin America, and Hungary and Turkey in Europe. All of these countries have their particular financial and macro-economic pros and cons, but they have in common an export-driven approach. As exportation requires financing, the capabilities of banking systems and institutionalized export credit agencies have become increasingly important since they enhance these countries’ ability to take part in world trade. In this study, individual country facts and financial systems are analyzed in economic terms, and the support of the export credit agencies will also be evaluated.     

Developing a Global Mindset: Integrating Demographics,Sustainability, Technology,and Globalization

Business schools face a number of challenges in responding to the business influences of demographics, sustainability, and technology—all three of which are also the fundamental driving forces for globalization. Demographic forces are creating global imbalances in worker populations and in government finances; the world economy faces sustainability and climate change challenges; technology is accelerating business change and changing the nature of work; and the global economy is being re-structured with the rise of major emerging economies such as Brazil, India, and China. Given an uncertain future, this essay examines the nature of these challenges and contends that while providing measurable knowledge of global business and specific job skills are important, business schools must focus on the attitudes, skills, and knowledge helpful for student career flexibility including leadership skills, a good work ethic, and abilities to continue learning.     

发展出口信用保险 促进我国对外贸易

出口信用保险是一国政府为企业扩大出口提供风险保障的政策性手段 ,并且为WTO体制所允许。我国加入WTO后 ,面临更加激烈的国际竞争 ,发展及完善出口信用保险 ,有利于提高出口企业国际竞争力 ,促进我国对外贸易的发展。     

信任问题——谈B2C模式电子商务的发展

电子商务的信任问题是建立在广义信用概念基础之上的概念。它指的是一种经济活动的践约能力问题,且涉及到围绕对该“践约能力”的预测的一系列社会学、经济学、法学、心理学因素。信任是电子商务活动的基础,B2C模式电子商务所涉及的三个先决要素:信息流、资金流和实物流与信任问题密切相关。信任是电子商务活动的基础,发展电子商务必须解决电子商务的信任问题。     

农行大力发展小额信贷促进新农村建设

目前,新农村建设的金融需求与现实的矛盾以及农行在支农方面的欠缺,充分表明农行的金融服务已不能满足农村经济发展和新农村建设的需要。农行应贯彻“面向‘三农’,整体改制,商业运作,择机上市”的“十六字方针”,积极发展银行供应链金融。创造性的开展小额信贷业务,创新农民信用体系,建立一套小额信贷登记系统,以实现农行现代企业制度的建立和新农村建设的互利双赢。     

Developing Market Driven Strategies for Credit Union Growth and Survival

No abstract available for this article.     

信用是电子商务发展的“瓶颈”

电子商务是建立在网络上的经济商务活动 ,比传统商务更加依赖健全的信用体系。没有信用 ,就没有电子商务。分析和研究信用与电子商务之间的关系 ,提出建立适应电子商务环境的信用体系 ,是电子商务理论和实务的一个重要研究课题     

中小企业信用评级指标体系构建的对策分析

对企业的信用评级是银行对企业贷款的主要依据。长期以来,中小企业融资难,除企业自身原因外,银行采用与大型企业相同的评级方法对中小企业进行评价也严重制约了中小企业的融资能力。解决好中小企业融资难问题,既需要企业不断提升素质,更需要金融机构建立适用于中小企业的差别化的信用评级指标体系,以期能够对中小企业进行正确评价,消除银行对中小企业的信贷歧视,缓解中小企业的融资约束。构建并推进专门适用于中小企业的信用评级指标体系,应结合我国国情,建立完善的法规体系和对中小企业的融资担保体系;要引导企业关注社会责任;更要注重政府的行为涉入与资源配置有效性的关系。     

What’s in a Score? Differences in Consumers’ Credit Knowledge Using OLS and Quantile Regressions

Credit literacy depends, in part, on understanding credit reports and scores. The U.S. Government Accountability Office conducted a study in 2004 to assess consumers’ knowledge of credit reports, credit scores, and the dispute resolution process. This study uses the Government Accountability Office data and estimates a series of ordinary least squares and quantile regressions to identify specific subgroups of the population that could benefit from more targeted consumer policies and financial education. The findings from this research have important implications for consumer educators, financial professionals, and policy makers, especially with respect to national strategies designed to improve consumers’ financial well‐being.     

发展消费信贷的难点及其对策研究

作为消费信用形式之一的消费信贷,是在买方市场条件下,商业银行向消费者个人提供的用来满足其消费方面的货需求的贷款,是国家启动经济,扩大内需,促进消费品购销的重要杠杆之一,对推进我国市场经济的发展和信贷体制的完善有着重要的意义,本文在分析目前发展消费信贷的制约因素的同时,提出了加快消费信贷发展的若干对策。     

加快建立有效的个人和企业社会信用体系

信用是个人和企业的立身之本,兴业之道.本文在论述信用缺失使我们付出沉重代价的基础上,提出要从信用体系的组织机构及内容两个方面建立个人和企业社会信用体系,并指出个人信用与企业信用是构建社会信用体系的基础和前提.     

论信用制度与政府作用

社会主义市场经济体制的建立,需要有良好的社会信用环境为基础,而创造良好的社会信用环境,必须要有完善的社会信用制度作保证.在社会信用制度的建设中,政府的角色如何定位,对信用制度的建立和完善起着至关重要的作用.本文主要阐述了政府在信用制度建设中的地位和作用,分析了政府直接介入信用关系的主要表现、形成原因及其危害,提出从合理定位政府经济职能、增加有效制度供给、强化政府监管、培育信用中介机构和加快市场化进程等方面进一步完善我国的信用制度.     

企业信用体系建设的威海实践

威海是山东省首批进行企业社会责任评价试点的三大地区之一。近年来,威海市工商局、企业信用与社会责任协会结合工作职能,在企业信用体系建设方面做了大量有益探索,取得了一定成绩,同时也存     

谈我国电子商务中信用体系的构建

21世纪是一个数字化、网络化和知识经济的社会,随着互联网的迅速发展,电子商务已深入到我们生活的方方面面,但随着电子商务的不断发展,关于电子商务的负面新闻不断,通过网上开店进行欺诈的情况愈演愈烈,电子商务的信用已成为电子商务发展的一个主要瓶颈。解决电子商务信用发展中存在的问题,构建我国电子商务中信用体系是当前首要任务。     

健全信用制度 促进国有银行商业化

当前,国有商业银行的现代化改革和建设受到了信用体系不健全的制约。真正的市场经济是信用经济,也是法制经济。信用制度是现代银行制度的基础,现代银行制度是信用制度的最高体现。但长期以来,国有银行业务一直未摆脱计划、行政指令的干预,国内信用制度还未真正起步,信用制度越来越制约着经济改革和发展。因此,当务之急,必须建立、健全信用制度,以促进国有商业银行现代化改建。     

Management Information System – A Tool for Corporate Sustainability

This paper represents the attempt to define a methodology that can evaluate the degree to which companies' information systems correspond to needs determined by the objectives of sustainability the firm imposes on itself. The result is the creation of a general model which define the correct approach to evaluating information systems – a model which should be adapted to the specificity of each single company which intends to adopt it. In the chart indicated, we obviously have not considered activities connected to the implementation of the survey system, which are particular to each company's situation. The first part of the paper consists of an overall introduction to the approach that has been used to assess the (MIS) of Granarolo, one of the Italian companies involved. The case study contains a profile of the company, the analysis of its MIS referred to the three dimensions of sustainability, and an evaluation of the strong points and issues to be developed. This approach to evaluate the gap between desired requirements of an information system for sustainability and current data available in a firm, has proved its consistency and usefulness. It helps to understand where data are, which dimensions, spheres, stakeholders account for and what is the level of integration between different information systems existing in the firm.