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SME Credit Bureau in Singapore Serving Critical Information Needs For Credit Manager PowerPoint PPT Presentation


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Dun & Bradstreet (Singapore) Pte Ltd. SME Credit Bureau in Singapore Serving Critical Information Needs For Credit Manager. 25 th October 2006 The BIIA Business Information Forum 2006 Tianjin, China. SME Credit Bureau.

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Sme credit bureau in singapore serving critical information needs for credit manager

Dun & Bradstreet (Singapore) Pte Ltd

SME Credit Bureau in Singapore

Serving Critical Information Needs For Credit Manager

25th October 2006

The BIIA Business Information Forum 2006

Tianjin, China


Sme credit bureau in singapore serving critical information needs for credit manager

SME Credit Bureau

  • A collaborative effort between Dun & Bradstreet (Singapore) Pte Ltd and the Association of Small and Medium Enterprises (ASME).

  • Launched on 21 Mar 2005 by Dr Vivian Balakrishnan, Minister for Community Development, Youth & Sports and Second Minster for Trade & Industry.

  • Fully operational on 01 October 2005.

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Sme credit bureau in singapore serving critical information needs for credit manager

SME Credit Bureau

Property of Dun & Bradstreet (Singapore) Pte Ltd


Sme credit bureau in singapore serving critical information needs for credit manager

SME Credit Bureau

  • It is an online repository of Companies’ information and credit track records.

  • Credit history is one indicator of a Company’s character in terms of meeting its debt obligations.

  • Inclusive are Company’s Registration details to help confirm application information and business validity.

  • Information is obtained from members of the bureau, public databases, other external databases, including litigation and winding up cases.

Property of Dun & Bradstreet (Singapore) Pte Ltd


Sme credit bureau in singapore serving critical information needs for credit manager

SME Credit Bureau - Concept

Companies & Businesses Registry Information

Litigation Information

Bureau Members

Data Repository

Scoring Specialist

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Sme credit bureau in singapore serving critical information needs for credit manager

SME Credit Bureau – Data Elements

Public Information

  • Company Registration Data

  • Capital Information

  • Change of Company Name

  • Officer (s)

  • Shareholders

  • Subsidiaries

  • Registered Charges

  • Suits / Litigation

  • Winding Up

Property of Dun & Bradstreet (Singapore) Pte Ltd


Sme credit bureau in singapore serving critical information needs for credit manager

SME Credit Bureau – Data Elements

  • Bureau data elements

  • Alternate Addresses

  • Alternate Company Names

  • Previous Enquiries

  • Defaults

  • Payment Information Summary

  • Detailed Payment Information (as appendix)

  • Payment Index

  • New Credit Risk Index

  • Industry Risk Indicator

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Sme credit bureau in singapore serving critical information needs for credit manager

Contributors’ Profile – By Industry

GDP Q2, 2006

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Sme credit bureau in singapore serving critical information needs for credit manager

Payment Experience – By Entity Type

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Sme credit bureau in singapore serving critical information needs for credit manager

Payment Experience – By Paid Up Capital

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Sme credit bureau in singapore serving critical information needs for credit manager

Payment Experience – By Industry

GDP Q2, 2006

By Industry

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Sme credit bureau in singapore serving critical information needs for credit manager

Payment Experience – By Industry

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Sme credit bureau in singapore serving critical information needs for credit manager

Payment Experience – By Sales Turnover

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Sme credit bureau in singapore serving critical information needs for credit manager

Payment Experience – By Employee Size

Micro Loan: < 10/200 (manufacturing)

Other Schemes: < 200

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Sme credit bureau in singapore serving critical information needs for credit manager

Payment Experience Database

  • Relevance of data (to Enterprise Banking):

    • Entity Type: >80% on Companies

    • Paid up Capital: > 50% of PUC < ½ million

    • Industry: In line with top 4 performing sector

    • Sales Turnover: > 60% with < $25 million sales turnover

    • Employee Size: > 85% with < 200 employees

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Sme credit bureau in singapore serving critical information needs for credit manager

Other Initiatives – SME Toolkit

  • SME Toolkit

    • International Finance Corporation (World Bank Group)

    • Web-based content management system & portal

    • Leverage the latest information and communication technologies to help SMEs learn and implement sustainable business management practices

    • Increase SMEs productivity, efficiency and capacity, as well as improve their access to capital and new markets.

Property of Dun & Bradstreet (Singapore) Pte Ltd


Sme credit bureau in singapore serving critical information needs for credit manager

Other Initiatives – SME Toolkit

Content available in this portal:

  • Accounting & Finance

  • Budgeting & Forecasting

  • Credit & Collection

  • Financial Management & Reporting

  • Finding Finance

  • Human Resources

  • Legal & Insurance

  • Incorporation

  • Marketing & Sales

  • Customer Service

  • International Business

http://www.businesstoolkit.com.sg

Property of Dun & Bradstreet (Singapore) Pte Ltd


Sme credit bureau in singapore serving critical information needs for credit manager

Other Initiatives – SME Toolkit

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Sme credit bureau in singapore serving critical information needs for credit manager

Other Initiatives – Credit Advisory

2. CREDIT ADVISORY UNIT

jointly managed by D&B Singapore & Evolve Maximus

  • Improve financial and business strengths of SMEs through highly relevant and customised mentorship programmes

  • Promote SME development through shared initiatives with government agencies, private sector, trade associations and business chambers

  • Complement risk management initiatives of financial institutions and MNCs

  • Create stronger partnership with the seekers and suppliers of funds (debt and equity) and the public sector

  • Plan and organise innovative yet educational events for the overall business community

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Sme credit bureau in singapore serving critical information needs for credit manager

Credit Advisory – Professional Services

  • 8 industry groups

  • Cash-flow management

  • Risk return assessment

  • Productivity and efficiency mgt

  • Business expansion planning

  • Fund raising evaluation

  • Fund raising and M&A advisory

  • Balance sheet management

  • Corporate and business strategies

  • Company valuation

  • Financial management and analysis

  • Risk policies

  • Strategic management

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Sme credit bureau in singapore serving critical information needs for credit manager

Other Initiatives – Blending of Data

  • 3. Blending of Commercial & Consumer Data

  • Combining Consumer Credit Bureau data with SME Credit Bureau Corporate formation

  • Facilitate lenders in their credit evaluation on credit application from SMEs

  • Provides an insight on the credit history and capacity of business owners along side that of their businesses

  • Ultimate goal of providing Blended Score that supports predictive & quick assessment

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