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澳洲银行共享客户信用数据信息正式执行

Posted by chinesetas on 十月 8, 2018
| Loan
| 0

澳洲四大银行CBA,ANZ,Westpac 和NAB首次共享各自客户的综合信用报告Comprehensive Credit Reporting (CCR),这是一项具有划时代意义的澳洲信贷市场制度变革。这意味着澳洲各大银行的客户信用信息,包括客户在银行或其他金融机构的开户账户,及其所有行为活动数据已经被共享。截至2018年9月,四大银行共享了50%的综合信用报告(CCR)数据。预计至明年7月完成全部数据共享。

普及一下什么是CCR?

CCR允许澳洲信用机构收集更多的客户信用信息数据,由各大信贷机构使用,以便对其客户做出正确的贷款抉择。这项全新综合数据将包括一下几项包含提供在信用报告中:

  • 信用帐户已经开户和已经关闭的数据
  • 信用额度
  • 信用账户的类型
  • 以及24个月的还款历史

Comprehensive Credit Reporting is live

As of September 2018, the big 4 banks have shared 50% of their Comprehensive Credit Reporting (CCR) data. This is exciting news, as it marks the industry reaching critical mass in the transition to CCR.
What is CCR?
CCR allows more consumer credit information to be collected by credit bureaus and used by credit providers when making a lending decision. The new comprehensive data that will be included on credit reports includes:

  • the data accounts were opened and closed
  • credit limits;
  • types of credit accounts;
  • as well as 24 months of repayment history

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