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China Credit Bureau System
Development stages from
Debit Reporting Agency

 

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China Credit Bureau System Development Stages

In China from years 2005-2025 "epsilon" centered shifts to "f".

Line (3) is a situation where it is pure epsilon (relying solely on debit data). This means there's little trust (or NO trust if its perfectly zero slope) in the "f" function of credit bureau data. 2005-2008

Line (2) would be a stage after (3). 2008 to 2012

Line (1) would be a development stage after (2). 2012-2015

Line (4) would be a case where the "f" function would be the full maturation of credit analysis and "e" merely augments. Remember, epsilon contains OFF credit report data that is critical for an upstart country building a credit system

Also, what is entirely possible is that China NEVER reaches "(4)" because credit is never fully adopted.



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Main Page: China Credit Underwriting
Page 2, China Credit Bureau Mistakes
Page 3
, China Credit Bureau Foundation
Page 4
, China Credit Bureau System.
Page 5
-China Credit Bureau Derivation
Page 6: PBOC Debit Report Effort
Page 7: Strengthening Public and Private Credit Registry Ties Larry Chiang's World Bank 2004 Presentaion in Power Point

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