The conceptual model of the credit information exchange system in global terms

Simović, Vladimir and Ranković, Marko (2014) The conceptual model of the credit information exchange system in global terms. Economic analysis, 47 (1-2). pp. 3-18. ISSN 1821-2573

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Abstract

In current conditions, there are few rare initiatives regarding credit information exchange outside national borders. All of them have significant disadvantages and can only be applied on a limited number of countries. This paper proposes conceptual model of a credit bureau in global terms which succesfully solves the aforementioned problems and enables efficient credit information exchange in global terms. Our results point to the fact that efficient credit information exchange in global terms is preconditioned by an adequate model of national credit bureau, international standards of credit reporting and unique identification of natural persons and legal entities. The basis of the conceptual model of a system for credit information exchange in global terms is a national credit bureau model which is organized in a manner which enables simple information exchange and distribution of accurate and reliable data to its users. A variation of such model is commercially used by the banking sector in Serbia.

Item Type: Article
Additional Information: COBISS.ID=207706380
Uncontrolled Keywords: credit information exchange, international standards, credit bureau, model
Subjects: H Social Sciences > H Social Sciences (General)
Depositing User: Jelena Banovic
Date Deposited: 29 Jan 2016 23:52
Last Modified: 02 Mar 2017 12:25
URI: http://ebooks.ien.bg.ac.rs/id/eprint/341

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