SMG3, the third generation of strategy management, Experian's decision engine, similar to FICO's Blaze.
Accounts receivable, accounts receivable, current accounts receivable.
Managing liabilities, debt management scale
RBP, risk-based pricing, risk pricing, giving users quotas and rates.
Annual interest rate, annual percentage, annual percentage and annual compound interest.
Balance transfer, balance compensation, namely credit card repayment business.
NCL, net credit loss, net loss rate, the amount of bad debts transferred in the current period minus the amount of bad debts recovered in the current period is the net loss amount.
MOB, book month, aging, MOB0, loan date to the end of the month; MOB 1, the second whole month after the loan.
DPD, days overdue, days overdue, from the day after the repayment date to the actual repayment date. DPD7+/30+, with a historical overdue of more than 7 days and more than 30 days, the strict overdue rate calculation formula is: at a given point in time, the total outstanding residual principal of the loan account overdue for more than 30 days is divided by the total accumulated contract amount that may cause 30+ overdue (Reference 2, I think the more reasonable denominator is the total outstanding residual principal that may cause 30+ overdue).
The concept of numerator is that as long as it has been overdue for more than 30 days, the total unpaid contract principal is considered overdue, while the denominator excludes some contract amounts with short loan aging time, and it is absolutely impossible to generate 30+ overdue (for example, it is impossible to generate overdue for more than 90 days just two days ago).
Default rate, overdue rate/delay rate, an index to evaluate asset quality, can be divided into two observation methods: synchronization and lag.
Coincidence? Spot indicator: the deferred amount of each barrel in the current period divided by the total amount of accounts receivable (AR) in the current period. Coincidence is an overview of the current observation point as a whole, so it is easily affected by the fluctuation of accounts receivable level in the current period, and is suitable for observing asset quality when the total business volume fluctuates little, such as coincidence DPD 30+.
Lag, deferred indicators, lag observation is the overdue ratio generated during the current lending period, so it is not affected by the fluctuation of accounts receivable in this period. The lagging denominator is the accounts receivable with overdue amount in the current period.
Lag M 1 = loan balance at the end of last month m 1/ loan balance at the end of last month (M0~M6) (M0 is enough at the end of last month? )。
The first payment is overdue and the first repayment is overdue. After the user's credit is approved, the proportion of customers who need to repay the first bill within 7 days after the final repayment date and have not applied for extension is FPD 7.
FPD 1: the first overdue payment occurred in the first phase 1 day, and the repayment performance began with 1; FPD7: the first 7 days overdue occurred in the first phase; FPD30: The first phase is overdue 30 days before it occurs.
Aging analysis means the delay rate from each period to the observation point, which is characterized by the same settlement end point, and the loans scattered in each month are merged into one observation time point to calculate the overdue rate.
Vintage analysis is different from aging analysis. It is based on the aging of the loan to observe the overdue rate of N months after the loan, which is used to analyze the subsequent quality of loans in each period and observe the influence of the adjustment of import rules on the quality of creditor's rights.
Default Year 30+: it means that the monthly overdue amount of 30+ corresponds to the remaining principal and interest paid in the month when the bill is generated.
Flow, mobility, observe the probability that the overdue amount in the previous period will continue to fall into the next period after collection.
M0-M 1 = M balance of assets at the end of last month M 1/M0 balance of loans at the end of last month.
August M0-m 1: the loan balance entered into m1in August/the loan balance in m0 at the beginning of August, that is, at the end of July.
Comprehensive mobility: (m0-m1) (m1-m2) (m2-m3) * (m3-M4) mobility.
WO, write off, write off or transfer bad debts, usually more than 6 periods.
CPD, customer overdue days, similar to DPD. Appropriate duration of post-loan management. Historical experience shows that customers whose overdue amount is above 50 yuan are valuable for manual collection. Therefore, CPD refers to the overdue days of customers whose overdue amount is above 50 yuan in post-loan management. The value of CPD depends on the time when the earliest installment has not been paid.
RPC, Right Public Contact, refers to an effective contact method, and customers themselves or their immediate family members can be found through telephone collection.
PTP, promise to repay, through telephone collection, the customer promises to return a certain amount of arrears within a certain period of time, which is called promise to repay. It is worth noting that PTP identification is only available after RPC is effectively identified.
In _PTP, through telephone collection, the customer promises to return a certain amount of arrears within a certain period of time. This period is called P-period, which is generally T+3 days. In_PTP indicates whether the customer is in P-period and is marked as 0 or 1.
V_PTP is an effective PTP, that is, after the customer promises to repay, it is an effective unpaid customer in P period. ?
KP, keep promise, K_PTP, the customer repays as agreed.
BP, faithless BP, the difference between PTP and KPTP when the customer fails to repay the loan as agreed during the commitment period. In general, the number will be positive, but there will also be negative cases, such as kptp will be several times more than p.
Take chestnuts for example. For example, the promised repayment is 1 1,000 yuan, and the actual repayment is three times, each repayment is 1 1,000 yuan. In this way, BP is negative 2. Generally speaking, this negative number means that customers are willing to repay, but their repayment ability is insufficient.
1, time-point overdue rate
Coin(C)% = loan balance in the current month C/ loan balance at the end of the month (C-M6)
Coin(M 1)% = M 1 loan balance in the current month/loan balance at the end of the month (C-M6)
Coin(M 1+)% = M 1? M6 loan balance/month-end loan balance (C-M6)
Lag (M 1)% = M 1 loan balance in the current month/loan balance at the end of last month (C~M6).
Lag (M4)% = loan balance of M4 in this month/total loan balance of four forward periods.
Lag (M4+)% = loan balance of M4 in the current month/total loan balance pushed forward by four periods.
2. Regulatory indicators
Non-performing loan ratio = loan provision ratio/provision coverage ratio.
Loan provision ratio (also called loan allocation ratio): the ratio of loan loss provision to various loans. Loan provision ratio = loan impairment provision/loan balance = (general provision+special provision+special provision)/loan balance.
Provision coverage ratio: loan impairment provision/non-performing loan is an indicator to measure the adequacy of loan loss provision of commercial banks.
The Notice on Adjusting the Regulatory Requirements for Loan Loss Provision of Commercial Banks (No.7 of Yin Jian Fa [2018]) (hereinafter referred to as the Notice) clearly stipulates that the regulatory requirements for provision coverage ratio will be adjusted from 150% to150%.
Attached, reference:
1, Basic Manual of Intelligent Wind Control: Fully understand the index system of wind control. /p/ 136208249
Management information system
2. English glossary of risk control in consumer credit business, /p/2595 1427.
3. Introduction of commonly used indicators for risk control analysis. /p/ 15 1580824
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