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The first International Conference on
Comprehensive System of Credit Assessment |
Date:
February 14-15, 2009
Location: Khalij-e-Fars Sallon, Tehran, Iran
Organized by: Iran Credit Scoring(ICS), Ministry of
Economics and finance affairs, central bank of Iran, Central
Insurance of Iran, Iranian banks, Financial Institutions,
insurance and leasing companies.
Target Audience:
All those active in the credit reporting industry, such as
credit bureau executives, credit information providers,
executives from banks, financial institutions, insurance and
leasing companies, retail and other users of credit information
and decision analytics tools, as well as government and
legislative representatives.
Credit Information sharing and credit information
reporting has been expanded in recent years and the number of
the private credit bureaus has been increased especially in the
developing countries. Credit bureaus have a significant impact
on the facilitating lending process by decreasing credit
granting constrains and speeding up the credit grating process
with paradigm shift toward credit scoring based lending
technologies and unsecured financing. In the other hand, it has
some more impacts on the engineering and development of the
credit culture in a country.
Islamic Republic of Iran adopted innovative
approaches to the establishment of credit reporting agency in
the name of Iran credit scoring company (with the participation
of all banks and big insurance and leasing companies of Iran)
where public sector played a crucial role through its regulatory
powers.
This conference provided an opportunity to learn
from experiences of creditinfo company in different countries,
reporting the works done by Iran Credit Scoring in
implementation of Credit Bureau system and its plans to submit
other related value added products and services,transfer the
knowledge of credit reporting and scoring, discuss the future of
the public-private cooperation in this area of financial
infrastructure, and present technological solutions to address
specific challenges in Iran.
The conference gathered Iranian policy makers,
practitioners in the area of credit reporting and regulators and
banking and insurance industries' specialists to provide a forum
for participants to discuss credit reporting best practices, and
to share experiences in implementing the credit reporting
industry in the said industries. In addition, the conference
created a forum for IT, credit and risk management experts,
policymakers and financial education advocates to share their
experience and brainstorm on the ways to promote responsible
lending practices.
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Defining methods of credit culture improvement in
the society through implementation of Credit Bureau System.
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Defining of basic concepts, characteristics and
fundamentals of credit reporting, credit scoring and credit
rating and its relation with justice, efficiency, cost saving,
acceleration and society satisfaction in access to finance for
banking and insurance companies.
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Giving global experiences and best practices in
modern technologies usage in credit reporting field toward
optimal allocation of banking resources for economic development
and growth and having supervisory systems for preventing
allocation of resources toward nonproductive sections.
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Giving global experiences and best practices in
preparing infrastructures for credit reporting, credit scoring
and credit rating in order to diminish defaults (including legal
frameworks, technical and IT infrastructures and training of
human recourses).
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Defining the role of credit information in banks'
credit management and its relation with Basel II principals.
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Defining the role of supervisory authorities and
institutions such as Economics and Finance Ministry, Central
Bank and Central Insurance in developing new approaches in
credit reporting and rating.
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Defining the role of credit information in
increasing access to finance and credit for end consumers such
as small and medium enterprises (SMEs) and poor people.
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Providing training and cultural strategies toward
increasing active and volunteer participation of banks and their
customers in credit reporting, credit scoring and credit rating
process.
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Assessing Credit Bureau system implementation
solutions and improving existing challenges and pitfalls.
Scientific
Fields:
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Scientific Fundamentals |
Technical Functionalities |
Application in Insurance |
Infrastructures |
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Credit reporting |
Risk Management |
Insurance Scoring |
Credit Bureau System |
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Information Sharing and Reciprocity
Principal |
Credit Scoring in Leasing |
Insurance Module |
Credit reporting Knowledge |
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Credit Scoring |
Credit Scoring in credit card
industry |
Application of asymmetric information
theory in insurance |
IT infrastructure and security of
information |
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Credit Rating |
Credit reports and other products |
Credit Insurance |
Legal Framework |
Opening Remarks
Seyed Hamid PourMohammadi
(Ph.D.),
Depuy of Ministry of Economic Affairs and Finance in banking,
Insurance and public companies and Chief of the conference.
Seyed Shamseddin Hosseini
(Ph.D.),
The Minister of Economic Affairs and Finance
Seyed Mahmoud bahmani (Ph.D.),Governor
of Central Bank of Iran
Session 1: The study of the impact of Credit
Reporting in Iranian Credit market
Peyman
Nouri Boroujerdi (Ph.D.),
CEO and Managing Director of Refah Bank of Iran and Chief of
Scientific Committee of the Conference
Session 2: Fundamental concepts and
principals of credit bureau business climate.
Majid Reza Davari (Ph.D.),
CEO and Managing Director of Tejarat Bank of Iran and CEO of
Iran Credit Scoring(ICS).
Session 3:
The impact of credit reporting and scoring on the
economic growth and development.
Farshad Heybati(Ph.D.),
member of the board of
Economic Research Institute.
Session 4:
Assessing the impact of demographic data on creditworthiness
prediction.
Fereydoon
Rahnamai-e-Roodposhti (Ph.D.),
member of the board and Deputy of Research of
Islamic Azad University.
Session 5:
Giving a model for credit Scoring for microloan market.
Ali Arshadi (Ph.D.),
member of the board of Monetary and Banking
Research Academy .
Session 6:
Probability of Default and comparative evaluation of credit
rating methods.
Rasool khansari (Ph.D.),
Master in Finance from Imam Sadiq University .
Session 7:
Roles and functions of Credit Reporting and Rating Agencies in
capital and credit market.
Ali Saeidi (Ph.D.),
Research manager of Stock Exchange organization.
Session 8:
Assessment of Mutual Relationship between Collection and Credit
Bureau Agencies.
Ebrahim Sheykhzadeh,
Teacher of Economic Science Faculty.
Session 9:
Credit scoring in leasing companies in comparison with banks.
Mahdi Jamali (Ph.D.),
Managing Director of Industry and Mine Leasing
Company.
Session 10:
Assessment of creditworthiness of Mortgage applicants: A
paradigm shift from traditional approaches to automatic
evaluation.
Mohammad Aeeni,
Deputy of planning And development of Urban
Development and Revitalization Organization.
Session 11:
Insurance applicants scoring based on their credit status.
Ali Esmaeilzadeh Maghari (Ph.D.),
member of the board of
Islamic Azad University.
Session 12:
Practical methods for Creating and developing of
information security in credit bureau system.
Shahram Sokhanvar,
head auditor of global information security
standard.
Session 13:
Dynamic credit rating according to Islamic
shariah rules.
Hossein Heshmati Molaei,
Teacher of Economic Science Faculty.
Session 14:
Theoretical concepts of credit reporting:
Asymmetric Information Theory.
Mohammad Jalili (Ph.D.),
member of the board of
Islamic Azad University and Managing Director of
Iran Credit Scoring (ICS) Company .
Closing Remarks
Peyman
Nouri Boroujerdi (Ph.D.),
CEO and Managing Director of Refah Bank of Iran and Chief of
Scientific Committee of the Conference
Website:
http://www.irancreditscoring.com
Address: No. 11, 2nd Alley,
Kooh-e-Noor St., Motahari Ave., Tehran, Iran, Postal Code:
1587647513
Email:
info@irancreditscoring.com
Tel: + 98 21 88736320- 88500287 Fax: +
98 21 88736321
a)
Panels:
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Credit Bureau System and its role in the Economic
growth.
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Paul Randall,
Managing Director of Creditinfo Decision (CID)
Company .
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Mohammad Jalili (Ph.D.),
member of the board of
Islamic Azad University and Managing Director of
Iran Credit Scoring (ICS) Company .
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Credit Bureau Strategy: Efficiency, Justice in
access to finance and functionalities.
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Ramin Pashaei Fam (Ph.D.),
Vice Governor (Economic Affairs) of Central Bank
of Iran.
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Peyman Nouri Boroujerdi (Ph.D.),
Managing Director and CEO of Refah Bank of
Iran.
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Morteza Allahdad (Ph.D.),
Head of Iran Banking Institute- Central bank of
Iran .
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Farshad Heybati(Ph.D.),
member of the board of
Economic Research Institute.
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Credit Bureau role in the insurance industry
transformation plan.
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Javad Farshbaf-Maherian (Ph.D.),
head of Central Insurance of Iran.
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Legal and Regulatory Framework related to the
development of Credit Bureau System and its
role in electronic banking
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Peyman Nouri Boroujerdi (Ph.D.),
Managing Director and CEO of Refah Bank of
Iran.
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Seyed Hamid Borhani (Ph.D.),
Managing Director and CEO of Saderat Bank of
Iran.
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Hossein Ghanbari (Ph.D.),
Managing Director and CEO of Sepah Bank of Iran.
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Mohammad Ebrahim Moghaddam-
Manager of FABA.
b)
Workshops:
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Data Structure design methods in developing
credit bureau system (CBS),risk management and national
databases (with object oriented approach).
By:
Mohammad Jalili (Ph.D.)
– Managing Director of Iran Credit Scoring Co.
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Modern Technology of data transferring with
credit bureau systems used by Credit bureau subscribers and
its related web services.
By:
Vahab Eskandari
– IT Manager of Iran Credit Scoring Co.
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Training of Technical application of CBS to
Financial institutions: "what should we do to be connected
to CBS and how can we use it?"
By:
Radek Bittner -Head
of Credit Bureau Dep. Creditinfo Solutions
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Application of CBS reports in the Risk
Management of Financial institutions
By:
Jan Denemark
-Chief Operating Officer Creditinfo Solutions
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Statistical techniques used in credit scoring
By:
Filip Trojan(Ph.D.)
- Operations Director Creditinfo Decision
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Basic concepts, characteristics and
fundamentals of credit scoring and scorecard building in
banks, insurance and leasing companies.
By:
Filip Trojan(Ph.D.)
- Operations Director Creditinfo Decision
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Basic concepts, characteristics and
fundamentals of credit risk Rating of businesses and its
usage in bank capital requirements and credit assessment.
By:
Paul Randall-
Managing Director Creditinfo Decision
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Training functionality and conceptual
designing methods of Bureau Connector Module for banks,
insurance and leasing companies.
By:
Radek Bittner
-Head of Credit Bureau Dep. Creditinfo Solutions
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Training Credit Bureau System(CBS)usage and
application for borrowers (such as industries and
businesses).
By:
Musa Ahmadi(Ph.D.)
– R&D Manager of Iran Credit Scoring Co.
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Impacts of Credit bureau system(CBS)
development on performance of internal rating systems(IRS)of
banks and financial institutions.
By:
Paul Randall-
Managing Director of Creditinfo Decision
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Radek Bittner
Head of Credit Bureau Dep. Creditinfo
Solutions
Radek is
responsible for the management of Credit Bureau
projects in several countries (Ukraine, Kazakhstan,
Lithuania, Iran, Moldova, Georgia, Malta). His
experience with Credit Bureau solutions lasts more
than 8 years. He graduated on the University of
Economics in Prague with specialization in
Information Technologies and System Integration.
Then he became one of builders of the first Credit
Bureau on Czech and Slovak market (Czech Banking
Credit Bureau, Czech Non Banking Credit Bureau,
Slovak Banking Credit Bureau) like a member of CCB –
Czech Credit Bureau company. He worked there for 5
years; as soon as Creditinfo Group came on Czech
market, he joined this company where he worked as a
Project Manager for international projects for 3
years. After opening the Czech branch of CIG he
started to work at Creditinfo Solutions company
(CIS) and now he is the leader of the Credit Bureau
team dedicated for all CIS international projects. |
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Jan Denemark
Chief Operating Officer
Creditinfo Solutions
Graduated from the University of
Economics in Prague, with a specialization in
Information Technologies and System Integration.
Already during his studies, he worked in companies
operating in the IS/IT field, oriented towards
providing application software and information
sources for supporting decision-making. He is
focused on risk management solutions from 2000. He
has been working in Creditinfo Solutions since its
establishment and before that he worked as the
Director of the company SinTe which was later
incorporated into the Creditinfo Group. In his
managerial position, he is responsible for the
operational management of the company, as well as
the management of affiliated companies in the
Ukraine and Kazakhstan. His main goal is supporting
continuous development and the growth of the healthy
and effective company Creditinfo Solutions,
strengthening its position in the Czech Republic and
its ongoing advancement on the markets abroad. He is
now responsible for international sales of Credit
Bureau Solution. |
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Paul Randall
Managing Director Creditinfo Decision
Paul Randall is a senior figure
within the Global Credit Industry with 22 years
experience working across 30+ countries. His current
role is to drive the Consultancy and Scoring
division of the Creditinfo Group to deliver
outstanding solutions to Credit Bureau and direct to
Financial Institutions and other credit grantors. He
first experienced credit scoring as an analyst and
then credit manager in UK Banks and finance
organizations. He then worked as a consultant
managing the Credit Bureau scores in a number of
countries. Furthermore, he has worked on projects
which have provided improved decision capabilities
to Banks in countries as diverse as Canada, South
Korea, Kazakhstan and South Africa. In recent years
a focus on the global Basel II regulation has
involved heading projects to fully re-engineer the
credit risk management process of major banks. |
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Filip Trojan
Operations Director Creditinfo
Decision
More than 10 years of experience in
credit risk management. Skilled in portfolio
management, scorecard development, credit policy,
process review and project management. His
professional Experience contains the following:
Credit Risk Manager for HSBC consumer finance
business responsible for Czech Republic and Slovakia
for 2 years, Head of Scoring department in eBanka
(now Raiffeisen) for 3 years, Statistician –
analyst of credit risk in Komerční banka for 4
years. Highlights: Development of scorecards in
Czech Republic for consumer and commercial
portfolios, implementation of scoring in
international Czech based bank, portfolio management
experience in the multi product international
competitive banking environment, responsible for
Czech Republic and Slovakia consumer finance credit
risk for two years. Academic background: Maths and
Economy reaching the PhD degree |
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