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China Debit Reporting Agency (DRA)
UCMS' Groundbreaking algorithm focusing on debit transactions
to build a consumer debit scorecard (vs credit scorecard)

 

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China Debit Reporting Agency Software.
Square peg, round hole. That statement completely describes fitting China's debit data into a credit scoring system.

More accurately it would be very large square peg, very small round hole. The large square peg is Chinese financial data comprised mostly of debit data. The very small round hole is US imported credit scoring system known as FICO that is advocated by Trans Union, Equifax and Experian.

The more accurate picture of a Chinese consumer "credit behavior " would be to track, measure and extrapolate debit data.

The Software Solution: Debit Report Collection System
Software that converts debit data into a consumer credit profilings. The two figures below show the movement of information, where the database is housed, how data is accessed and the user interface(s).

 

Data is collected to form a "consumer debit scorecard".

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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