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词条 TransUnion CIBIL
释义

  1. Consumer Credit Reporting

  2. Business Credit Reporting

  3. Competition

  4. History

  5. References

  6. External links

{{Use dmy dates|date=November 2018}}{{Use Indian English|date=November 2018}}{{Infobox company
| name = TransUnion CIBIL Limited
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| type = Credit Information Company
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| founded = Mumbai, Maharashtra, India ({{start date and age|df=yes|2000|08}})
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| hq_location = One Indiabulls Centre, Tower 2A-2B,19th Floor, Senapati Bapat Marg, Lower Parel
| hq_location_city = Mumbai, Maharashtra
| hq_location_country = India
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| area_served = India
| key_people = Satish Pillai (Managing Director)[1][2]
M.V.Nair (Chairman)[3]
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| services = Research, Risk and Policy Advisory
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| website = {{URL|https://www.transunioncibil.com/}}
}}TransUnion CIBIL Limited is a credit information company operating in India. It maintains credit files on 600 million individuals and 32 million businesses. TransUnion is one of four credit bureaus operating in India and is part of TransUnion, an American multinational group .[4][5]

Consumer Credit Reporting

{{main|Credit bureau#India}}

TransUnion CIBIL aggregates consumer borrowing and payment information for the purpose of assessing loan risk and pricing credit (setting the interest rate). It has partnered with Chicago-based TransUnion.[6][7]

Consumer credit scores are also used in unemployment decisions,[8] although there are no studies in India showing that impaired credit leads to employee misconduct.[9]

Business Credit Reporting

{{main|Credit bureau#India}}

TransUnion CIBIL aggregates business financial and payment information for the purpose of assessing loan risk and pricing credit (setting the interest rate. It has partnered with New Jersey based Dun and Bradstreet. D&B maintains files on 150 million business worldwide.[10]

Competition

Competitors to TransUnion CIBIL include:

  • CRIF High Mark
  • Equifax
  • Experian

History

  • 2000: CIBIL (Credit Information Bureau (India) Limited) incorporated.
  • 2004: Credit bureau services are launched in India (Consumer Bureau).
  • 2006: Commercial bureau operations commenced.
  • 2007: CIBIL Score, India’s first generic risk scoring model for banks and financial institutions, was introduced.[11][12]
  • 2010: Two firsts for the credit industry in India with the launch of:
    • CIBIL Detect: India's first repository for information on high-risk activity.[13]
    • CIBIL Mortgage Check: The first centralized database on mortgages in India.[14]
  • 2011: CIBIL Score is made available to individual consumers.
  • 2016: Transunion acquired 82% stake in CIBIL to become Transunion CIBIL.
  • 2017: TransUnion CIBIL launches CIBIL MSME Rank to drive credit penetration in Micro, Small and Medium Enterprises and helping lenders assess risk better [15][16]
  • 2017: Bank of India sold its 5% share in the company for Rs190.6 crore, implying a value of US$592 million for TransUnion CIBIL[17]

References

1. ^{{cite news|title=Satish Pillai, new MD & CEO of CIBIL|url=http://www.thehindubusinessline.com/companies/satish-pillai-new-md-ceo-of-cibil/article7403622.ece|accessdate=2 August 2015|publisher=Business Line|date=9 July 2015}}
2. ^{{cite web|url=http://www.hindustantimes.com/Cibil-to-launch-mortgage-default-database/Article1-568987.aspx |title=Cibil to launch mortgage default database |publisher=Hindustan Times |date=2010-07-08 |accessdate=2010-12-08}}{{failed verification|date=August 2015}}
3. ^{{cite web|url=http://www.thehindubusinessline.com/2005/05/17/stories/2005051700970600.htm |title=SBI, HDFC dilute stake in CIBIL |publisher=The Hindu Business Line |date=2005-05-17 |accessdate=2010-12-08}}
4. ^{{cite web|title=India to get three new credit data bureaus|url=http://www.livemint.com/Home-Page/a0DDNYf6He8Nb50kEREqtK/India-to-get-three-new-credit-data-bureaus.html |website=Live Mint|date=1 June 2009}}
5. ^{{cite news|title=CIBIL eyes new sectors for growth|url=https://timesofindia.indiatimes.com/business/india-business/CIBIL-eyes-new-sectors-for-growth/articleshow/47741102.cms|accessdate=27 October 2017|publisher=Times of India|date=20 June 2015}}
6. ^{{cite web|url=http://www.creditvidya.com/credit-score/importance-of-cibil-credit-score-cs103.aspx |title=Important of Cibil Credit Score |publisher=Credit Vidya |date=2012-05-17 |accessdate=2010-12-08}}
7. ^{{cite web|url=http://creditvidya.com/credit-score/how-to-get-your-cibil-credit-score-online-cs107.aspx |title=How to get Cibil Score Online |publisher=CreditVidya |date=2012-05-17 |accessdate=2010-12-08}}
8. ^{{cite web|title=How Cibil score check chances of landing a job|url=http://www.freescoreindia.com/articles/how-does-cibil-score-impact-my-employability.html|website=freescoreindia|accessdate=26 December 2015}}
9. ^{{cite news|last1=Shetty|first1=Mayur|title=Employers add credit score to list of employee background checks|url=http://timesofindia.indiatimes.com/business/india-business/employers-add-credit-score-to-list-of-employee-background-checks/articleshow/58248581.cms|accessdate=6 September 2017|publisher=Times of India|date=18 April 2017}}
10. ^"About Us." Dun & Bradstreet. Retrieved on 1 October 2012. "HQ info: 103 John F. Kennedy Parkway Short Hills, NJ 07078"
11. ^{{cite web|title=TransUnion CIBIL Limited: Everything You Must Know|url=http://www.bankexamstoday.com/2017/01/transunion-cibil-limited-everything-you.html|website=Bank Exams Today|date=2 January 2017}}
12. ^{{cite web|title=Everything About : TransUnion CIBIL Limited|url=http://www.aimsuccess.in/2017/01/everything-about-transunion-cibil.html|website=Aim Success}}
13. ^{{cite web|title=CIBIL and TransUnion launch CIBIL Detect|url=http://www.indiainfoline.com/article/news-business/cibil-and-transunion-launch-cibil-detect-113101302150_1.html |website=India Infoline}}
14. ^{{cite web|title=CIBIL and TransUnion launch CIBIL Mortgage Check|url=http://www.business-standard.com/article/companies/cibil-and-transunion-launch-cibil-mortgage-check-110090200169_1.html |website=Business Standard|accessdate=2 September 2010}}
15. ^{{cite web|title=TransUnion CIBIL launches credit risk ranking for MSMEs|url=http://www.smetimes.in/smetimes/news/top-stories/2017/Mar/01/transunion-cibil-launches-credit-risk-rank-for-msmes1634269.html|website=SME Times|date=1 March 2017}}
16. ^{{cite web|title=TransUnion CIBIL introduces ranking for MSMEs|url=http://bankingfrontiers.com/transunion-cibil-introduces-ranking-msmes/ |website=Bank Frontiers|date=1 March 2017}}
17. ^{{cite news|title=BoI to complete sale of 29.96% stake in STCI Finance by month-end|url=http://www.financialexpress.com/market/boi-to-complete-sale-of-29-96-stake-in-stci-finance-by-month-end/830289/|accessdate=6 September 2017|newspaper=Financial Express|date=29 August 2017}}

External links

  • [https://www.transunioncibil.com/ Official Website]

3 : Financial services companies based in Mumbai|Companies established in 2000|Credit rating agencies in India
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