SME CREDIT BUREAU by oid26884

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									  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




 • 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.




             Property of Dun & Bradstreet (Singapore) Pte Ltd
SME Credit Bureau




         Property of Dun & Bradstreet (Singapore) Pte Ltd
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 - Concept

Companies &
Businesses Registry
Information


    Litigation
   Information




                                                                            Bureau
                                                                            Members
                                                          Data Repository




            Scoring Specialist

                        Property of Dun & Bradstreet (Singapore) Pte Ltd
SME Credit Bureau – Data Elements


Public Information
  • Company                                          • Shareholders
    Registration Data
                                                     • Subsidiaries
  • Capital Information
                                                     • Registered Charges
  • Change of Company
                                                     • Suits / Litigation
    Name
                                                     • Winding Up
  • Officer (s)



           Property of Dun & Bradstreet (Singapore) Pte Ltd
SME Credit Bureau – Data Elements


   Bureau data elements
   1. Alternate Addresses                                      6. Detailed Payment
                                                                  Information (as appendix)
   2. Alternate Company Names
                                                               7. Payment Index
   3. Previous Enquiries
                                                               8. New Credit Risk Index
   4. Defaults
                                                               9. Industry Risk Indicator
   5. Payment Information
      Summary




            Property of Dun & Bradstreet (Singapore) Pte Ltd
Contributors’ Profile – By Industry
                                                                                               GDP Q2, 2006
                                                                              Manufacturing                 S$m         13,591.70
                                                                              Wholes ale & Retail Trade     S$m          7,740.00
                                                                              Bus ines s Services           S$m          6,693.90
                                                    By Industry
                                                                              Trans port & Comms            S$m          5,696.40
    Wholesales Trade


    Manufacturing

                                                                         6%      3%     3%
    Transportation, Communications,
    Electric, Gas and Sanitary Services                     13%
                                                                                                                  45%
    Services


    Retail Trade


                                                                        30%
    Finance, Insurance and Real Estate



      Wholesales Trade                                                                                    45%
      Manufacturing                                                                                       30%
      Transportation, Communications, Electric, Gas and Sanitary Services                                 13%
      Services                                                                                            6%
      Retail Trade                                                                                        3%
      Finance, Insurance and Real Estate                                                                  3%

                     Property of Dun & Bradstreet (Singapore) Pte Ltd
Payment Experience – By Entity Type

                                               Entity Type




                                     80.84%
                                                                      Companies

                                                                      Businesses

                                                                      Others




                       2.37%                      16.79%


                     Companies                               80.84%
                     Businesses                              16.79%
                     Others                                   2.37%



          Property of Dun & Bradstreet (Singapore) Pte Ltd
Payment Experience – By Paid Up Capital

                                         Paid Up Capital




                                             5.87% 1.87%
                                                                         100 or less
       30.48%                                                   17.63%
                                                                         101 - 10000
                                                                         10001 - 100000
                                                                         100001 - 500000
                                                                         500001 - 1000000
        13.26%                                                           > 1000000
                                                           30.89%

                             SGD                         %
                         100 or less                  5.87%
                        101 - 10,000                  1.87%
                     10,001 - 100,000                17.63%
                    100,001 - 500,000                30.89%
                  500,001 - 1,000,000                13.26%
                        > 1,000,000                  30.48%

            Property of Dun & Bradstreet (Singapore) Pte Ltd
Payment Experience – By Industry
                                                                                     GDP Q2, 2006
                                                                     Manufacturing                  S$m       13,591.70
   By Industry                                                       Wholes ale & Retail Trade      S$m        7,740.00
                                                                     Bus ines s Services            S$m        6,693.90
                                                                     Trans port & Comms             S$m        5,696.40


   Wholesales Trade                                                                                       29.43%
   Services                                                                                               23.76%
   Manufacturing                                                                                          18.85%
   Retail Trade                                                                                           7.64%
   Transportation, Com m unications, Electric, Gas and Sanitary Services                                  7.50%
   Construction                                                                                           7.45%
   Finance, Insurance and Real Estate                                                                     4.89%
   Mining                                                                                                 0.24%
   Agriculture, Forestry and Fishing                                                                      0.16%
   Public Adm istration                                                                                   0.07%




                  Property of Dun & Bradstreet (Singapore) Pte Ltd
Payment Experience – By Industry

                                                                          Wholesales Trade
                                               By Industry
                                                                          Services


                                                                          Manufacturing


                  7.50%             7.45%                                 Retail Trade
          7.64%
                                                                          Transportation, Communications,
                                                                          Electric, Gas and Sanitary Services

     18.85%                                                      29.43%   Construction


                                                                          Finance, Insurance and Real Estate
                       23.76%

                                                                          Mining


                                                                          Agriculture, Forestry and Fishing



              Property of Dun & Bradstreet (Singapore) Pte Ltd            Public Admistration
Payment Experience – By Sales Turnover

                                           Sales Turnover




                                                        8.67%

        36.53%                                                                     < 1m
                                                                          21.67%
                                                                                   1m - 5m
                                                                                   >5m - 10m
                                                                                   >10 - 25m
                                                                                   >25m
                                                                     14.86%
                          18.27%


                                   < 1m                         8.67%
                                 1m - 5m                        21.67%
                               >5m - 10m                        14.86%
                                >10 - 25m                       18.27%
                                   >25m                         36.53%

             Property of Dun & Bradstreet (Singapore) Pte Ltd
Payment Experience – By Employee Size
                                                              Micro Loan: < 10/200 (manufacturing)
                                                              Other Schemes: < 200
                                            Employee Size




                        6.39%         1.86%

                                                                      36.48%
                                                                                      10 or less

                                                                                      11 - 200

                                                                                      201 - 1,000

                                                                                      >1,000
         55.27%


                                          Pax                    %
                                     10 or less               36.48%
                                      11 - 200                55.27%
                                   201 - 1,000                6.39%
                                        >1000                 1.86%
           Property of Dun & Bradstreet (Singapore) Pte Ltd
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


            Property of Dun & Bradstreet (Singapore) Pte Ltd
Other Initiatives – SME Toolkit


   1. 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
Other Initiatives – SME Toolkit


 Content available in this portal:

  Accounting & Finance                                          Legal & Insurance
  Budgeting & Forecasting                                       Incorporation
  Credit & Collection                                           Marketing & Sales
  Financial Management & Reporting                              Customer Service
  Finding Finance                                               International
                                                                  Business
  Human Resources

                 http://www.businesstoolkit.com.sg

             Property of Dun & Bradstreet (Singapore) Pte Ltd
Other Initiatives – SME Toolkit




           Property of Dun & Bradstreet (Singapore) Pte Ltd
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

            Property of Dun & Bradstreet (Singapore) Pte Ltd
Credit Advisory – Professional Services

                              Credit Advisory &
                        Financial Management Services
– 8 industry groups
                                                                              – Fund raising and M&A advisory
– Cash-flow management
                                                                              – Balance sheet management
– Risk return assessment
                                                                              – Corporate and business strategies
– Productivity and efficiency mgt
                                                                              – Company valuation
– Business expansion planning
– Fund raising evaluation

                                                                        Business Education–
             Credit Research                                                                   Financial
                                                                            Programs           management and
                                                                                               analysis
                                                                                            – Risk policies
                                                                                            – Strategic
                                                                                              management

                     Property of Dun & Bradstreet (Singapore) Pte Ltd
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


             Property of Dun & Bradstreet (Singapore) Pte Ltd

								
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