Credit Bureau CambodiaRSS FeedsCredit Information to be used in Cambodia's Telecommunications Sector Pre Pay mobile phones are the prevalent form of communications subscription plan in the Kingdom of Cambodia however they are subject to high volumes of “Churn” as customers switch between different pre-paid operators and shop around for the latest subscription plan offers and competitive rates. With the recent formation of the Credit Bureau Cambodia telecommunications companies now have access to relevant and pertinent real time credit data that can help them reduce their churn rates by focusing more on the quality of customer acquisition.  The benefits of offering post pay subscriptions to the high value and credit worthy customers are numerous, and include acquiring customers want to lock into post paid plans for convenience and cash flow reasons, providing competitive differentiators for post paid services and being able to acquire highly profitable corporate accounts on a post paid basis. The upside for the telecommunications operators is that a quality post paid customer is subject to much lower churn rates than pre-pay card plans. "Telecommunications companies are aware that the financial relationship between them and their customers is critical to ensuring that their post paid billing collection is on target.  If an operator is providing pre pay services at the moment they may wish to conduct credit reviews on their existing customer base to understand which customers are suitable to be offered more profitable and lower churn rate post pay services" explained Steve Vaile of the CBC. Credit Bureau Cambodia (CBC) information is now available to Telecommunications providers in the Kingdom of Cambodia allowing them to use accurate credit data to provide red flag credit indicators, view an increase in late payments and view other credit obligations that reduce the risk of billing defaults at your company.   This requires the telecommunications operator to sign up to the CBC Code of conduct that defines and regulates how they use this data in line with Cambodian Laws on credit reporting and consumer data privacy. Of course almost all companies in Europe and the USA currently use credit data to screen the quality of customer applications, acquire more profitable corporate post paid accounts and manage their billing risk and credit actions on new accounts. When telecommunications providers acquire new customers they should be mindful about customer quality, especially cable and telecom operators. Companies often burn money spent on marketing and communications acquiring customers that are not in a financial position to pay their bills.  Often this can impact an operator for one to three billing cycles causing the customer to either move back to their old plan or seek another provider, in which case the capital expended acquiring the customer has been lost. Screening customer quality to ensure that prospective customers have the financial capacity to pay post paid bills increases profitability, builds brand loyalty and higher lifetime value, and reduces the changes of them moving to a competitor.  The result increased profitability and fewer bad debts by ensuring that any subscription plan is in line with the customer’s capacity to pay. By analysing your best customers’ profiles or most profitable underwriting policies and integrating profit-building criteria into your campaign customer acquisition is more targeted, better matched and produces higher payback ratios. Many operators find credit information to be rich source of decisioning data and have discovered that by adding consumer-credit information to their acquisition formula they not only improve prospect quality, they also reduce on-boarding costs. Derogatory payment information, revolving debt levels or unacceptable debt-to-income ratios will all surface in the process, informing and improving your credit management decisions as a Telecommunications operator in Cambodia. http://www.creditbureaucambodia.com/khmer/component/content/81.html?task=viewTue, 22 May 2012 05:33:50 +0000 New Credit Bureau to make Cambodia more competitive “New Credit Bureau to make Cambodia more competitive” Phnom Penh Cambodia – 16th December 2011 Cambodia’s economy takes a significant step forward today with the announcement of the new Credit Bureau Cambodia. Credit Bureau Cambodia is a central database of credit information that helps banks and Micro Finance Institutions (MFIs) share their customer repayment histories. The CBC assists lenders in making accurate loan decisions based on a borrower’s positive and negative credit history. The company is a joint investment by the Association of Banks in Cambodia, Cambodian Microfinance Association, and Veda Advantage (NZ) Ltd, a leading global supplier of credit system technology and software. Garry Wood, General Manager for the Credit Bureau (Cambodia) Co., Ltd (or “CBC”) explained the importance of the bureau to Cambodia’s economy. “With a central point to consolidate credit information, banks and MFIs make lending decisions based on both positive and negative data. Positive information about a consumer’s credit history will be taken into account when accessing them for creditworthiness; before the Credit Bureau’s existence this data was not shared between lenders. According to the published financial data, it showed that there is an average increase in loan approvals of around 90% when positive information about a borrower is taken into account, this means easier access to finance for consumers and companies in Cambodia.” There are multiple benefits to the consumer and the banking sector thanks to the Credit Bureau’s existence. Borrowers will benefit from faster processing times on loan applications. Borrowers with a good history of repayment will also enjoy lower interest rates as lenders price the risk of a loan accordingly. For those that have bad repayment histories they will be protected from over-indebtedness and credit worries in the future. The financial sector in Cambodia now has more accurate information on which to base its lending decisions, this means that the amount of non-performing loans reduces which helps build confidence in the Cambodian economy. A fair and transparent information system helps promote confidence among finance vendors and consumers, resulting in greater volumes of transactions. This means that small businesses will find it easier to secure loans allowing them to expand their business and create more employment opportunities. According to the published economic data the possibility of a small firm getting a bank loan jumps dramatically from 28% to 40% with a credit bureau in place. The CBC system is an essential building block in providing financial institutions in Cambodia with modern tools to improve credit-granting processes. Average credit ratings for economies with credit bureaus in place are significantly higher than those without credit bureaus, making them a much more compelling destination and less risky for investors. National Bank of Cambodia signed into law a Prakas (edict) on Credit Reporting in May 2011 to facilitate the activities of credit reporting and information sharing between banks and MFIs. The edict defines that there are clear policies and procedures to handle complaints and requests from individuals regarding their data. It also defines that no data other than credit data shall be used, for example no data related to a consumer’s political tendency, beliefs, color, race or personal information is allowed to be stored in the new system. It also limits access to this data to authorised users that have committed to the relevant Code of Conduct with the CBC. This Code of Conduct defines what information banks and MFIs must share with the CBC; it also defines the right of the consumer to ensure that all credit data held is accurate. If a consumer has inaccurate information on their credit report they can inform the CBC who will query it with the relevant data provider within five days. Anyone can check their own credit report; they simply need a form of identity and fill in the relevant paperwork at the CBC. They will within ten (10) business days be provided with access to their full credit report file free of charge once per year. Further requests for shorter periods will cost $5.00 per report CBC has started its operations on the 7th of December 2011 and banks and MFIs have a 90-day grace period before they are required by the National Bank of Cambodia to complete connection to the system. CBC estimates that the first consolidated credit reports will be available to member institutions in February with consumers seeing the benefits of the new system through easier loans access and faster approval times as early as March next year. About Credit Bureau (Cambodia) Co., Ltd The mission of the “Credit Bureau (Cambodia) Co., Ltd” (or CBC) is to promote growth in Cambodia by encouraging responsible borrowing and lending within the Cambodian Economy. An accurate and reliable credit reporting capability is essential to the financial stability, development and economic diversification of the Kingdom of Cambodia.   Our mission is to provide accurate real-time credit information to Cambodian businesses and consumers, decreasing the risk of lending for businesses whilst at the same time making capital accessible to more Cambodian businesses and consumer borrowers. Press Media Contact Name            : Steve Vaile Title            : Communications Consultant Company            : Credit Bureau (Cambodia) Co., Ltd Email            : s.vaile@creditbureaucambodia.com (mailto:steve.vaile@creditbureaucambodia.com) Telephone            : 097-7007-018     CBC Office (2nd floor) #10 St. 242, Chaktomuk, Daun Penh. Tel            : 023-967-001 Fax            : 023-967-004 Email            : info@creditbureaucambodia.com (mailto:info@creditbureaucambodia.com) Website            : www.creditbureaucambodia.com (/) http://www.creditbureaucambodia.com/khmer/component/content/80.html?task=viewThu, 15 Dec 2011 03:17:10 +0000 The CBC Code of Conduct Credit Reporting System of Cambodia CODE OF CONDUCT (1) The Credit Reporting System Service Providers CRSSP (as hereinafter defined) is in the business, inter alia, of the provision of credit reports and additional services on a systemic basis, relating to Consumers (as hereinafter defined) for purposes of fostering reliable, competitive and responsible lending. (2) Subject always to the Laws of Cambodia and the Law on Banking and Financial Institutions and the Prakas on Credit Reporting, information received by the CRSSP includes Credit Information (as hereinafter defined) supplied by Data Providers (as hereinafter defined) of the CRSSP relating to Consumers (as hereinafter defined) who are the customers of Data Providers.; (3) Subject always to the Law on Banking and Financial Institutions and the Prakas on Credit Reporting and other applicable laws, the CRSSP shall provide Credit Information on Consumers to Data Providers; (4) Information supplied to the CRSSP and information provided by the CRSSP includes, inter alia, Consumer’s Credit Information (as hereinafter defined) which is confidential; (5) The CRSSP and the Data Providers/ must maintain the general confidentiality of Credit Information received by the CRSSP subject only to such disclosure as may be authorized or permitted by the Laws of Cambodia, the Prakas on Credit Reporting or applicable law; (6) The CRSSP and the Data Providers desire to address concerns relating to the protection of rights to Credit Information, the rights of Consumers to keep Credit Information confidential and use of Credit Reports and ensure transparency and accountability in the operations of the CRSSP by observing the terms appearing or referred to herein; (7) The CRSSP and the Data Providers agree that confidential Consumer Credit Information shall be supplied to, and provided by, the CRSSP subject to the Law on Banking and Financial Institutions and the Prakas on Credit Reporting and to terms appearing or referred to herein; (8) The Data Providers agree to request and use confidential Consumer Credit Information from the CRSSP subject to the Law on Banking and Financial Institutions, the Prakas on Credit Reporting and to terms appearing or referred to herein; (9) The CRSSP and the Data Providers agree to conduct the operations of the CRSSP and be governed, subject to the terms appearing in the Law on Banking and Financial Institutions and the Prakas on Credit Reporting or referred to herein; and (10) The CRSSP and the Data Providers agree to ensure compliance with the Law on Banking and Financial Institutions, the Prakas on Credit Reporting and this Code and to process complaints as to non-compliance of the Law on Banking and Financial Institutions, the Prakas on Credit Reporting and this Code through the User Group/ “Credit Reporting Council” (as hereinafter defined) subject to the terms appearing or referred to herein, NOW this Code of Conduct is established by CRSSP for and on behalf of itself, Consumers, and the Data Providers CODE OF CONDUCT Clause 1: DEFINITIONS In this Code, the following words shall have the following meaning unless the context otherwise requires: 1.1 “Adverse Action” means the denial of credit, or change in the conditions and terms of the credit or loan based on information contained in a credit report. 1.2 “Advisory Council” means an advisory committee formed by data providers, independent experts, board of directors, the NBC and other relevant authorities. 1.3 “Authorized Users”: means each of the final persons that will have authorized access (uploading and downloading) to the database. It includes designated employees of Data Providers, employees of CRSPs and designated employees of the National Bank of Cambodia (NBC). 1.4 “Business Day” means days on which banks in Cambodia are open for the transaction of business. 1.5 “Code of Conduct”: means this Code, the rules and regulations governing the operations of credit reporting system (CRS) in an agreement between the NBC and the Authorized Users. 1.6 “Commencement Date” For the purpose of this Code means the date that CRS will start providing credit reporting activities (CRA) to their subscribers and Authorized Users. 1.7 “Complainants” means Consumers or Data Providers or Authorized Users who lodge Complaints as to alleged breach(es) of this Code pursuant to Clause 9.1 and “Complainant” means any of them; 1.8 “Complaints” means complaints as to alleged breaches(es) of this Code lodged by Complainant pursuant to Clause 9.1 and “Complaint” means any of them; 1.11 “Consent” means a written and voluntary authorization signed by the Consumer allowing Data Providers to share Credit Information held about him/her with credit reporting service providers and Authorized Users to access his Credit Information for specific purposes described in the authorization within the limits of the Prakas on Credit Reporting. 1.12 “Consumer”: means any legal or natural person whose data has been or might have been included in CRS as a consequence of a contractual relation with a lender or a lending application signed by him/her or any other legitimate purposes. 1.13 “Covered Entities”: means the entities as defined in the Law on Banking and Financial Institutions, and other financial institutions obtained approval from the NBC. Credit Information” means Information related to the economic and financial obligations of a Consumer, including the payment history of such obligations, guarantees, publicly available information and any other relevant data for credit decision making. − “Credit Reporting System” (CRS): means institutions, rules and standards, technology and data which enable exchange of credit information among all covered entities. − “Credit Reporting Activities” (CRA): means any activities that fall under the scope of the Prakas on Credit Reporting, including the provision of credit reports and other relevant services. 1.13 “Credit Reports” means any written, electronic or other communication(s) of Credit Information in such format as may be determined by CRSSP for provision to Data Providers pursuant to the terms of Subscriber Agreements (a specimen of which is set out in Appendix 2) and “Credit Report” means any of them.; “Credit Reporting System Service Providers” (CRSPs): means any entities that conduct credit reporting activities and obtain license from the NBC. − “Data Providers”: means (i) Covered Entities, and (ii) any other entities that service credit in any forms and voluntarily furnish information to the CRS. 1“Disputed Information Notice” means any Complaint received in respect of the accuracy or completeness of Credit Information lodged by a Consumer. and/or Data Provider 1.18"Negative Credit Information" means any information relating to the overdue, past due, charge-off, or delinquent status of a credit transaction between a Consumer and a Data Provider. 1.22Permissible Purpose” means any one or more of the following purposes: 1.14 To evaluate the creditworthiness and over indebtedness of a consumer in relation to a credit or loan application. 1.15 To support the NBC in its supervisory role to monitor credit flow of the financial system, analyze data to produce financial stability reports, and to supervise banking and financial institutions. 1.16 To evaluate credit risks, and/or to review or give a credit or loan. 1.17 To evaluate risks associated with the transactions of deferred payments. 1.18 To allow the consumer to confirm the accuracy of his or her information in a credit report. 1.19 To evaluate or audit the efficiency, reliability and legal compliance of the CRS. 1 “Positive Credit Information/Credit Data”: means consumer’s information or data, including loan applications, and total credit exposures such as loan size, maturity, terms and conditions, and collaterals. 1. a. 1Privacy notification” means a notice informing the Consumer of the Name of the Data Provider collecting the Credit Information, the Purpose of the Credit Information collection, the name and address of the CRS and where and how to access their Credit Information in case there is a need to correct or modify their Credit Information. 1.20“Rules of Reciprocity” means a set of norms defining the level of mutual or cooperative interchange of information between Data Providers. 1.26 1.28 “Services" means: (i) the provision by the CRSSP of Credit Reports to Data Providers/ or Authorized Users for a Permissible Purpose; or (ii) the provision by the CRSSP of other Services from time to time to Data Providers subject always to the same not being prohibited by this Code, the Prakas on Credit Reporting or the Law on Banking and Financial Institution; 1.25“Subsciber Agreements” means the agreements for the provision of Services made between the CRSSP and Data Providers and “Subscriber Agreement” means any of them. Clause 2: APPLICATION OF THE CODE 2.1 This Code applies to the following: 2.1.1 The Credit Reporting System in Cambodia, 2.1.2 All Data Providers and Consumers, and 2.1.3 Any person or entity who is permitted to have any access to Credit Information by the CRSSP or Data Providers or Authorized Users subject to the terms of this Code. Clause 3: DATA PROVIDERS SUPPLY OF CREDIT INFORMATION TO CRSSP 3.1 Subject to the terms of the relevant Subscriber Agreement, each Data Provider shall supply to the CRSSP Credit Information and data relating to Consumers who are their Customers and in the data formats and frequency as specified in the Prakas on Credit Reporting or the Subscriber Agreement or in such other form as the CRSSP may reasonably require subject always to the Law on Banking and Financial Institutions , the Prakas on Credit Reporting and other applicable law and in compliance with the Rules of Reciprocity. The data will be collected by lawful and fair means and will include only the necessary information to obtain a valid identification and credit payment behavior of the consumer. 3.2 Subject to Clause 3.4, each Data Provider will use their best endeavors to make sure that they regularly update all Credit Information and data supplied to the CRSSP pursuant to the Prakas on Credit Reporting or the terms of the relevant Subscriber Agreement and take all necessary steps to ensure that the Credit Information supplied by it (including all updates) is accurate, complete and up-to date. 3.3 Subject to Clause 3.4 and the terms of the Prakas on Credit Reporting and the relevant Subscriber Agreement, each Data Provider shall take all necessary precautions to ensure that all Credit Information and data supplied to the CRSSP (including all updates) is accurate, complete and up-to date up to the relevant update cycle date and provided always that the same is permitted to be disclosed to the CRSSP and is so disclosed in accordance with the provisions of the Law of Banking and Financial Institutions and the Prakas on Credit Reporting.. 3.4 Where any Data Provider has supplied Credit Information to the CRSSP which results in a Negative Credit Information appearing in respect of a Consumer , the Data Provider may update the status of such Credit Information entered into the CRSSP’s Negative Credit Information in respect of the relevant Consumer but is not obliged to so update the status of such Credit Information unless: 3.4.1 the relevant Credit Information initially supplied was inaccurate as of the date that the same was initially supplied to the CRSSP; 3.4.2 the relevant Consumer has/have disputed the status of such Credit Information by way of a Complaint, in which event the Data Provider shall, within [90] days of receiving notification of the same, confirm the current status of such Credit Information; 3.4.3 there has been a full settlement or negotiated settlement of all outstanding amount(s) by the relevant Consumer (in which event, the Data Provider shall update the Credit Information appearing in the relevant Negative Credit Information within [90] days of such settlement occurring); or 3.5 Data Providers will be accountable for any incorrect information sent to the CRS. 3.6 Data Providers shall correct the data immediately and establish adequate mechanisms to ensure that all Authorized Users that have access the data in the previous 36 months are aware of such error and receive the correct information. 3.7 Data Providers shall be liable for any claim from the consumers regarding incorrect information. Clause 4: CRSSP’S OBLIGATIONS IN RESPECT OF CREDIT INFORMATION 4.1 CRSSP shall ensure the integrity of the database at all times. All necessary steps must be taken to prevent misuse or unauthorized access, data loss or data corruption. 4.1.1 CRSSP shall have systems, processes and procedures to ensure data recovery and disaster plans to prevent data loss or data corruption. 4.1.2 Access to the database will be restricted to Authorized Users. 4.1.3 CRSSP shall establish adequate mechanisms to ensure that data will be used only for Permissible Purposes or other lawful purposes with Consumer’s written consent. 4.2 The CRSSP shall ensure that it provides no Credit Information to any person or entity except that it may: 4.2.1 provide a Credit Report on a Consumer to any Data Provider or Authorized User who so enquires provided always that such enquiry shall be made by a Data Provider or Authorized User who asserts that it is made for a Permissible Purpose and in respect of a Consumer who is – 4.2.1.1 a Customer of (or has applied for credit facilities from) such Data Provider; or 4.2.1.2 a Guarantor of a Customer of (or a guarantor of a party who has applied for credit facilities from) such Data Provider, regardless of whether such Customer or party be a natural person, an unincorporated entity, a corporate entity or any other entity; 4.2.1 CRSSP’s shall correct the data immediately and establish adequate mechanisms to ensure that all Authorized Users that have access the data in the previous 6 months are aware of such error and receive the correct information in the following updates 4.2 Without prejudice to the generality of Clauses 4.1 and 4.2, CRSSP’s shall take measures, including the following, to safeguard the security of Credit Information: 4.2.1 establishment of controls and procedures to be applied when Data Providers or Authorized Users seek access to Credit Reports; 4.2.2 maintenance of logs of all accesses, amendments and audit trails to CRSSP’s database; 4.2.3 review on a regular basis, of password controls of all CRSSP’s personnel and Data Provider or other Authorized Users; 4.2.4 review, on a regular basis, of patterns of usage of the information systems, with a view to detecting and investigating any unusual or irregular patterns of access or use; 4.2.5 organization of workshops in relation to this Code and, in particular, good security practice for attendance by authorized representatives of Data Providers/ or other Authorized Users; 4.2.6 development of operational guidelines and disciplinary and contractual procedures to be applied in relation to improper use of accesses authorities by CRSSP personnel, and /or Data Providers and/or other Authorized Users by them; and 4.2.7 development of operational guidelines to ensure adequate protection to minimize the risk of unauthorized entry into the CRSSP database or interception of communications made to and from the CRSSP database. 4.5 Without prejudice to the generality of Clauses 4.1 and 4.2, the CRSSP may collect, assess, collate, synthesize, process, edit, re-sort and/or combine Credit Information or Public Data (or any part thereof) in such manner as it thinks fit so as to generate Credit Reports. 4.6 Without prejudice to the generality of Clauses 4.1 and 4.2, Credit Information held by the CRSSP may be retained by it and used for the development of derivative products for Data Providers or Authorized Users such as scorecards, behavioral predictive models and similar products provided that it shall not thereby reveal the identity of any Consumer and/or Data Provider. 4.7 Credit Information collected by CRSSP will be distributed among Data Providers for a period of ten (10) years from the payment deadline date in the case of Positive Credit Information. 4.8 Court judgment data will not be distributed after three (3) years from the execution date. 4.9 Bankruptcy data will be kept for a period of five (5) years from the payment deadline. 4.10 Negative Credit Information will be kept for a period of three (3) years from the payment deadline. 4.11 4.12 Public Data shall be retained by the CRSSP only so long as required Clause 5: DATA PROVIDER’S OR AUTHORISED USER’S OBLIGATIONS IN RESPECT OF CREDIT INFORMATION OBTAINED FROM CRSSP 5.1 Each Data Provider/Subscriber shall ensure that it does not make an enquiry requesting for a Credit Report from CRSSP unless such enquiry is made for a Permissible Purpose, in compliance with the Prakas on Credit Reporting and in respect of a Consumer who is – 5.1.1 a Customer of (or has applied for credit facilities from) such Data Provider. 5.1.2 a guarantor of a Consumer or (guarantor of a party who has applied for credit facilities from) such Data Provider, regardless of whether such Customer or party be a natural person, an unincorporated entity, a corporate entity or any other entity. 5.2 Each Data Provider or Authorized User shall ensure that it retains adequate evidence to establish the existence of a Permissible Purpose in respect of each enquiry for a period of not less than seven (7) years from the date of the relevant enquiry (and it shall be adequate if the Data Provider can establish in the case of automated operations that the relevant computer programme(s) required the relevant Customer to indicate that he or she was a Customer or Guarantor or was applying for credit facilities before an enquiry was requested from the CRSSP ). 5.3 CRSSPs Data Providers and Authorized Users shall ensure the integrity of the database at all times. All necessary steps must be taken to prevent misuse or unauthorized access, data loss or data corruption. 5.4 CRSSP’s shall have systems, processes and procedures to ensure data recovery and disaster plans to prevent data loss or data corruption. 5.5 Access to the database will be restricted to Authorized Users. 5.6 CRSSP’s shall establish adequate mechanisms to ensure that data will be used only for Permissible Purposes or other lawful purposes with Consumer’s Consent according to article 7 of the Prakas on Credit Reporting 5.7 Data Providers must ensure they have in place adequate security measures, policies and procedures 5.3 Each Data Provider /Subscriber or Authorized User shall ensure that it: 5.3.1 shall only use Credit Information obtained from the CRS for a Permissible Purpose and/or such other purposes as permitted by applicable law; and 5.3.2 discloses no Credit Information provided to it by the CRSSP to any person or entity except that it may make such disclosure of the same as is authorized by the Law of Banking and Financial Institution, the Prakas on Credit Reporting or other applicable law or required in accordance with the Laws of Cambodia. 5.4 Without prejudice to the generality of Clauses 5.1, 5.2 and 5.3, each Data Provider/ or Authorized User shall take measures, including the following, to safeguard the security of Credit Information provided to it by the CRSSP: 5.4.1 establishment of controls and procedures to be applied when access is sought to Credit Reports to ensure that there are no unauthorized requests for Credit Reports; 5.4.2 maintenance of logs of all accesses, amendments and audit trails to the database of Credit Information supplied by it to the CRSSP and/or provided to it by the CRSSP (including logs of all incidents involving proven or suspected breach(es) of security which contain particulars of the records affected and explanation(s) of the circumstance(s) and action(s) taken); 5.4.3 review, on a regular basis, of password and other controls over all personnel (whether or not employed by the Data Provider) authorized to access the database of Credit Information provided to it by the CRSSP so as to prevent unauthorized access to the same; 5.4.4 review, on a regular basis, the patterns of usage of the applicable information systems, with a view to detecting and investigating any unusual or irregular patterns of access or use so as to deter unauthorized use of Credit Information; 5.4.5 attendance by relevant personnel (whether or not employed by the Data Provider) at workshops organized by the CRSSP relating to this Code and, in particular, good security practice for attendance by authorized representatives of Data Providers or other Authorized Users; 5.4.6 development of operational guidelines and disciplinary and contractual procedures and penalties to be applied in relation to improper use of access authorities and/or improper use of Credit Information by its personnel, authorized agents and/or persons authorized by the Data Provider or other Authorized Users; and 5.4.7 development of operational guidelines to ensure adequate protection to minimize the risk of unauthorized entry into the database of Credit Information provided to it by the CRSSP or interception of communications made to and from such database. 6 When an Adverse Action against a Consumer has taken place, as a result of a CRS enquiry, the Data Provider shall notify the Consumer accordingly within 5 Business Days. 6.4.4 Clause 6: CONSUMER’S ACCESS TO OWN INFORMATION 6.1 A Consumer who established his or her identity to the reasonable satisfaction of CRSSP is entitled to request disclosure of any Credit Information pertaining to him/her once a year, on a free basis. A charge will be applicable if he/she request for another Credit Report on himself/herself within the same year. 6.2 The Credit Report to the Consumer shall be provided within 10 Business Days since the receipt of the request. 6.3 CRSSP will provide the Consumer with a copy of all their Credit Information including the name of the Data Provider and the list of all Data Providers that have accessed the Credit Information within the last six (6) months. 6.4 CRSSP may impose reasonable conditions for the release of Credit Information to a Consumer pursuant to Clause 6.1 and may require that the Consumer acknowledge acceptance of such conditions in such manner as the CRSSP thinks fit. 6.5 Clause 7: INVESTIGATION INTO DISPUTED INFORMATION 7.1 A Consumer (in respect of himself or herself) and/or a Data Provider (in respect of any of its Customers) may notify the CRSSP in writing that the completeness or accuracy of any item of Credit Information is disputed, specifying the particulars of the same. Upon receipt of such notification the CRSSP shall investigate the completeness or accuracy of the disputed Credit Information in consultation with the Data Provider and/or other sources who or which provided the disputed information 7.2 The disputed Credit Information shall remain part of the Credit Report on the relevant Consumer: 7.2.1 until such time as the investigation is completed and a determination is made as to whether the disputed Information should be rectified, updated or re-affirmed; or 7.2.2 unless a NBC otherwise directs, provided always that all Credit Reports generated in respect of the relevant Consumer during such period shall contain a cautionary note to the effect that Credit Information on the relevant Consumer is under investigation and disputed and shall indicate the disputed item(s) under investigation. 7.3 The CRSSP shall complete its investigation into the completeness or accuracy of the disputed item(s) specified as expeditiously as practicable and: 7.3.1 the disputed Credit Information shall be rectified or updated (if found by the CRSSP to be incomplete or inaccurate) or re-affirmed (if found by the CRSSP to be complete and accurate) and the CRSSP shall compile a report including therein the results of its investigations and all measures and actions taken arising there from and such report shall forthwith be entered into the CRSSP’s operations log; 7.3.2 the Data Provider or Subscriber shall complete their investigation of disputed Credit Information within 5 Days of receipt of the notice of the disputed Credit Information and report their findings to the CRSSP. 7.3.3 if the investigation cannot be completed by the Data Provider or Subscriber within 5 Business Days from their receipt of the Disputed Information Notice whether due to lack of resource or coordination of the Data Provider and/or other Public Data sources in question or otherwise, the CRSSP shall inform the Consumer concerned and the Data Provide and/or other Public Data sources in question that it requires more time to complete its investigation and notify the NBC; and 7.3.4 if the investigation cannot be completed within the required timeframes of if the dispute cannot resolved then the matter should forthwith be referred to the NBC. 7.4 The CRSSP and every Data Provider shall take all reasonable efforts to ensure that all parties (including Individuals and Customers) involved in investigations are bound by the provisions of this Code A Consumer dissatisfied with the decision may appeal to NBC (oversight unit). The decision made by NBC shall be supported by specific reasons and grounds 7.1 If the Consumer is not satisfied with NBC’s decision, further appeal may be made to the Court of Appeal in order to examine the grounds for the NBC’s refusal. Clause 8: RECTIFICATION AND UPDATING OF CREDIT INFORMATION BY CRS 8.1 The CRSSP shall take all reasonable efforts to ensure that Credit Information on a Consumer is updated as soon as practicable. In particular, CRSSP shall as soon as practicable update Credit Information regarding a Consumer: 8.1.1 when it receives Credit Information from a Data Provider that any overdue account previously notified to the CRSSP has been repaid in whole or in part; 8.1.2 when it determines that any Credit Information is materially incomplete or accurate whether or not there has been an investigation arising from a Complaint made by a Consumer; 8.1.3 when so directed by NBC ; or 8.1.4 if so required under the Laws of Cambodia, the Prakas on Credit Reporting and any applicable laws or regulation of Cambodia 8.2 The CRSSP shall rectify Credit Information regarding a Consumer when it becomes aware that any Credit Information regarding a Consumer was inaccurate at the time when the same was received by the CRSSP. In particular, the CRSSP shall: 8.2.1 rectify the Credit Information when such rectification is requested or confirmed by the Data Provider who, or source(s) which, supplied the same; and 8.2.2 rectify Credit Information obtained by the CRSSP from any Public Record(s) when there is an amendment or correction made to the Public Data by the party responsible for maintaining such Pubic Data. 8.3 Whenever the CRSSP rectifies any Credit Information the CRSSP shall compile a report including therein the circumstances leading up to the rectification, the cause(s) of the inaccuracies, and all measures and actions taken arising there from and such report shall forthwith be entered into the CRSSP’s operations log. Clause 9: COMPLAINTS AS TO BREACH(ES) OF THIS CODE 9.1 If a Consumer in respect of himself or herself and/or a Data Provider in respect of itself and/or any of its customers (such a Consumer and/or Data Provider hereinafter referred to as the “Complainant”) is of the opinion that the CRSSP and/or any Data Provider or Authorised User has breached its obligations under this Code, the Complainant may lodge a Complaint in writing specifying the nature of the alleged breach(es) (hereinafter referred to as the “Complaint”) to the CRSSP for investigation and (when so required under this Code) reference to the NBC . 9.2 The CRSSP and/or any Data Provider or Authorised User shall forthwith subject any Complaint received by them to the process as set out in Clauses 9.3, 9.4, 9.5 and 9.6 (including, where so provided, reference to NBC. 9.3 Upon receipt of a Complaint, the CRS shall investigate the same in consultation with the Data Provider/Subscriber or Authorised User and/or Public Data providers or other parties (if any) as may be concerned. 9.4 Pending resolution of the Complaint, any disputed Credit Information as may be raised in the Complaint shall remain part of the Consumer Credit Information 9.4.1 until such time as the investigation is completed and a determination is made as to whether the Disputed Information should be rectified, updated or re-affirmed; or 9.4.2 unless the Credit Reporting Oversight Unit otherwise directs, provided always that all Credit Information generated in respect of the relevant Consumer during such period shall contain a cautionary note to the effect that the Credit Information on the relevant Consumer is under investigation and disputed and shall indicate the disputed item(s) under investigation. 9.5 The CRSSP shall complete its investigation into the Complaint as expeditiously as practicable and shall take all measures as it may consider appropriate arising from the same (including, where the CRSSP considers necessary, rectification of Credit Information and compile its report on the Complaint including therein the results of its investigations and all measures and actions taken arising there from and such report shall forthwith be entered into CRSSP’s operations log. 9.6 Without prejudice to Clause 9.5, CRSSP shall: 9.6.1 (subject to Clauses 9.6.3 and 9.6.4) ensure that its report on the Complaint is entered into the CRSSP’s operations log within 2 Business Days from date of receipt of the Complaint; 9.6.2 if the investigation cannot be completed within 20 Business Days from date of receipt of the Complaint, the CRS shall inform the Complainant that it requires more time to complete its investigation; 7.3.5 if the investigation cannot be completed within the required timeframes of if the dispute cannot resolved then the matter should forthwith be referred to the NBC. 9.6.3 and 9.6.4 ensure that its report on any Complaint withdrawn by a Complainant (including therein the reason(s), if any, for such withdrawal and all measures and actions taken by the CRSSP arising there from) shall be entered into the CRSSP’s operations log within 2 Business Days of such withdrawal. 9.7 The CRSSP and every Data Provider shall take all reasonable efforts to ensure that all parties involved in investigations of Complaints and/or the proceedings of the NBC agree to be bound by the provisions of this Code. Chapter 10: ADVISORY COUNCIL 10.1 The NBC shall from time to time establish an Advisory Council to oversee the application of this Code and the operational integrity of the CRSSP 10.2 Advisory Council” shall on their own initiative or upon inspection of the CRSSP operations log or upon receipt of a dispute or a Complaint or information thereon) to investigate any alleged or possible breach of this Code; 10.2.1 (whether or not any dispute or Complaint has been withdrawn) to recommend an appropriate remedy upon finding that there has been a breach of this Code and/or grounds to rectify Credit Information and such remedy may include: 10.2.2.1 rectification of Credit Information and issuance of the requisite Rectification Notice 10.2.2.2 if the CRSSP is found to be in breach of this Code, such remedial action as the Credit Reporting Council thinks fit in the operations of the CRSSP including proposing amendments to the Code; and 10.2.2.3 if a Data Provider or Authorized User is found to be in breach of this Code, such remedial action as the Advisory Council thinks fit in the operations of the Data Provider/ or Authorized User pursuant to the Law on Banking and Financial Institutions or the Prakas on Credit Reporting. 10.3 In respect of recommendations made by Advisory Council: 10.3.1 any recommendation to rectify Credit Information shall be implemented by the CRSSP within 2 ]Business Days of the Advisory Council’s report being received by the CRSSP unless the Board of Directors of CRSSP ( or an officer of the CRSSP authorized by the Board of Directors) earlier decides otherwise; 10.4 10.5 The CRSSP and every Data Provider or Authorized User submits to the authority of Advisory Council and agrees to abide by and implement the recommendations of Advisory Council. Clause 11: MISCELLANEOUS 11.1 The CRSSP shall on every Business Day maintain a help desk which shall be manned by personnel trained to respond to queries, provide feedback and process Complaints. 11.2 Each Data Provider shall designate one or more person or persons to deal with queries, feedback or Complaints and to facilitate the fair, simple, speedy and efficient resolution of Complaints. 11.3 The CRSSP will provide facilities for communication with and feedback from Consumers. Appendix 1 Procedures, Powers, Report Immunities of Advisory Council” 1. The Advisory Council may meet for the purposes of its work, adjourn and otherwise regulate the conduct of its work as its members may think fit including but not limited to approving matters by circulation. 2. The Chairman may at any time summon a meeting of the Advisory Council which he or she chairs. 3. A majority of the members of the Advisory Council shall be present to constitute a quorum for a meeting of the Advisory Council. 4. Any questions arising at any meeting of the Advisory Council shall be determined by a majority of votes of its members, and in the case of an equality of votes, the Chairman shall have a second or casting vote. 5. Any resolution or decision in writing signed by all the members of the Advisory Council shall be as valid and effectual as if it had been made or reached at a meeting of the Advisory Council where the majority its members were present. 6. Where in the course of its work the NBC or the Advisory Council receives information touching on the operations of the CRSSP or the use of Credit Information by a Data Provider or Authorized User which may give rise to holding that there has been a breach of this Code, the NBC or the Advisory Council may (after giving notice to the CRSSP or Data Provider concerned) decide on its own motion to inquire into that matter and report its findings. 8. Where the NBC or Advisory Council is satisfied that there are no grounds for holding that there has been a breach of this Code, it shall report accordingly and state the reasons for its decision. 9. Where the NBC or Advisory Council is satisfied that there are grounds for holding that there has been a breach of this Code, it shall report accordingly and state the reasons for its decision. The NBC or Chairman shall thereupon: 12.1 make a copy of the report available to the CRSSP, any Data Provider/ or Authorized User concerned and the Complainant (if any); 9.2 report the findings of the to the Board of Directors of the CRSSP, including any findings of a breach of this Code by the CRSSP or a Data Provider or Authorized User and all remedies recommended. 10. All communications made during the proceedings of the Advisory Council shall be made on a strictly “without prejudice” basis and shall not be used in any legal proceedings. 14. No Advisory Council member shall be liable to any party for any act or omission in connection with the constitution and/or work and/or report of the Advisory Council unless the act or omission is fraudulent or involves willful misconduct. http://www.creditbureaucambodia.com/khmer/component/content/79.html?task=viewMon, 21 Nov 2011 07:45:54 +0000 Prakas On Credit Reporting PRAKAS (LAW) ON CREDIT REPORTING This is an unofficial translation The Governor of the National Bank of Cambodia- With reference to the Constitution of the Kingdom of Cambodia;- With reference to the Royal Kram NS/RKM/0196/27, dated January 26, 1996 promulgating the Law on the Organization and Conduct of the National Bank of Cambodia;- With reference to the Royal Kram NS/RKM/1206/036 of December 29, 2006 promulgating the Law on the amendment of article 14 and 57 of Organization and Functioning of the National Bank of Cambodia;- With reference to the Royal Kram NS/RKM/1199/1, dated November 18, 1999 promulgating the Law on Banking and Financial Institutions;- With reference to the Royal Decree NS/RKT/0508/526 of May 13, 2008 on the appointment of His Excellency Chea Chanto as Governor of the National Bank ofCambodia, in equivalent to Senior Minister;- Pursuant to the request of the General Directorate of Supervision;- Pursuant to the agreement reached at the meeting of the senior officials of the NationalBank of Cambodia, dated on 09 May, 2011. CHAPTER 1 - GENERAL PROVISIONS Article 1: Purpose The purpose of this Prakas is to enable an adequate framework for the establishment of a credit reporting system in Cambodia with the aim of strengthening reliable, competitive and responsible lending. Article 2: Definitions 2 “Adverse Action”: means the denial of credit, or change in the conditions and terms of the credit or loan based on information contained in a credit report. “Authorized Users”: means each of the final persons that will have authorized access (uploading and downloading) to the database. It includes designated employees of Data Providers, employees of CRSPs and designated employees of the National Bank of Cambodia (NBC). “Business Day”: means days on which banks in Cambodia are open for business transactions. “Code of Conduct”: means the rules and regulations governing the operations of credit reporting system (CRS) in an agreement between the NBC and the Authorized Users. “Commencement Date”: means the date that CRS will start providing credit reporting activities (CRA) to their data providers and authorized users. “Consent”: means a written and voluntary authorization signed by the consumer allowing data providers to input his/her information into CRS and share with authorized users for permissible purposes provided in this Prakas. “Consumer”: means any legal or natural person whose data has been or might have been included in CRS in spite of a contractual relation with a lender or a lending application signed by him/her or any other legitimate purposes. “Covered Entities”: means the entities as defined in the Law on Banking and Financial Institutions, and other financial institutions obtained approval from the NBC. “Credit Information”: means information related to economic and financial obligations of a consumer, including the payment history, guarantees, publicly available information and any other relevant data for credit decision making. “Credit Reporting System” (CRS): means institutions, rules and standards, technology and data which enable exchange of credit information among all covered entities. “Credit Reporting Activities” (CRA): means any activities that fall under the scope of this Prakas, including the provision of credit reports and other relevant services. “Credit Reporting System Service Providers” (CRSPs): means any entities that conduct credit reporting activities and obtain license from the NBC. “Data Providers”: means (i) covered entities, and (ii) any other entities that service credit in any forms and voluntarily furnish information to the CRS. “Positive Credit Information/Credit Data”: means consumer’s information or data, including loan applications, and total credit exposures such as loan size, maturity, terms and conditions, and collaterals. “Negative Credit Information”: means information relating to overdue, past due, chargeoff, or delinquent status of credit transactions between consumer and data provider. 3 “Rules of Reciprocity”: means set of norms defining the level of mutual information exchange and cooperation between data providers. “Advisory Council” means an advisory committee formed by data providers, independent experts, board of directors, the NBC and other relevant authorities. CHAPTER 2 - ESTABLISHMENT OF A CREDIT REPORTING SYSTEM AND LICENSING Article 3: Establishment of a credit reporting system Credit Reporting System which will be established must be set up of an efficient, safe and reliability with the aim of ensuring fair and equal treatment to Data providers and other credit market participants. The CRS shall be subject to an oversight by the NBC. Article 4: Prohibition 1. No person may engage in credit reporting activities or hold himself out to the public as engaging in credit reporting activities without license from the NBC. 2. No person other than a legal entity incorporated under the Law on Commercial Enterprises shall be licensed to carry out credit reporting activities. 3. This article does not apply to the NBC in the operations of credit reporting activities. Article 5: Application for License Any person interested in carrying out credit reporting activities shall apply for a licensefrom the NBC following assigned sample of application for license. Article 6: Documentation for the License Application Any application for a license shall be accompanied by the following information andsupporting documents: a) Relevant documents regarding the legal status of the company.b) Statements of the founders’ previous experience in the field of banking and credit,including name list of the stakeholders, amount invested and relation of investments with other companies.c) Board Members shall be composed with adequate qualifications.d) Management Team with University degree or relevant experience in the credit market, banking, or financial sector.e) Organizational structure, three (3) years projection for the operations of the CRS, information systems, internal procedures and manual of operations.f) Feasibility study according to the business plan, infrastructure to support the business or relevant agreements with other providers.g) Ownership and governance structure including the composition of the Board of Directors and selection criterion. 4 h) Continuity plan.i) Proposed pricing policies.j) Code of Conduct and other relevant rules for the functioning of the system.k) Declaration of interested parties to adhere the Code of Conduct.The NBC shall require other relevant documents deem necessary for assessing the application. Article 7: Application Procedures All applicants shall send the application in writing together with all the relevant documentation to the NBC.Within 90 days after the satisfactory receipt of the application, supporting documents andfee payment, the NBC shall issue a notice to the applicant in writing with the approval or refusal ofthe application. CHAPTER 3PRINCIPLES REGARDING THE USE OF INFORMATION Article 8: Purposes of CRS Services The credit reporting service will be provided with following purposes:a) To evaluate the creditworthiness and over indebtedness of a consumer in relation to a credit or loan application.b) To support the NBC in its supervisory role to monitor credit flow of the financial system, analyze data to produce financial stability reports, and to supervise banking and financial institutions.c) To evaluate credit risks, and/or to review or give a credit or loan.d) To evaluate risks associated with the transactions of deferred payments.e) To allow the consumer to confirm the accuracy of his or her information in a credit report.f) To evaluate or audit the efficiency, reliability and legal compliance of the CRS.The information contained in the CRS shall not be used for different purposes other than the ones established under this article unless specific consumer’s consent is obtained. Article 9: Obligations of Relevant Parties to Ensure Data Quality Credit Reporting System Service Providers (CRSPs) and Data Providers shall use their best endeavors to make sure that the Consumers’ information collected, used or disclosed is accurate, complete and up-to date. The data shall be collected by lawful and fair means and shall include only necessary information such as valid identification and credit payment history of the consumer. CRSPs and Data Providers shall be accountable for the followings: 1. CRSPs shall :a) Establish adequate procedures to ensure completeness and veracity of the information; b) Ensure that data is updated on constant basis according to the code of conduct; 5c) Establish adequate mechanisms for data correction and deletion ensuring that all users accessing incorrect data during the previous 3 months are sufficiently informed and notified of the error and correct the data according to the times frames as set out in the Code of Conduct and establish adequate mechanisms to ensure that all users that have access to the data in the last 3 months are aware of such error and receive the correct information, and that a copy is also sent to the Consumer; d) Be accountable to data providers, users, consumers for any data errors that have occurred during the processing or distribution of credit information as a result of gross negligence or reckless behavior. CRSPs shall: Correct data immediately and establish adequate mechanisms to ensure that all users that have accessed the data in the last 3 months are aware of such material error and receive the correct information after being updated; Receive a copy of the updated report and provide to the consumer with the primary address held in file by the CRSPs; Be liable for any claim from the consumers that may result in a substantial damage of the consumer’s financial reputation, as a consequence of gross negligence or reckless behavior; Make all reasonable efforts to mitigate damages suffered by the consumer for data errors. e) Shall be liable to data provider, authorized user, the NBC, or any third party for any claim in connection with any delay, interruption or failure of providing credit information or statistical reports, unless they are resulting from governmental orders, sabotages, riots, vandalism, ISP denial of service, or any other cause that is beyond the CRS’s reasonable control; f) Not transfer, sell or rent any credit information submitted by data providers, or authorized users. 2. Data providers shall:a) Be accountable for any incorrect information sent to CRSPs;b) Be liable for any claim from the consumers regarding errors that are material to a substantial damage of customer’s financial reputation, as a consequence of gross negligence or reckless behavior in compliance with the decision made under the conflict resolution mechanisms provided in Article 26 of this Prakas;c) Mitigate damages suffered by consumer for data errors by establishing all necessarypolicies and procedures. Each data provider shall have its own credit decision making rules. The credit information and other services provided by the CRS shall be considered as one of the tools for credit risk decision process, but the decision shall not be made solely on the basis of the credit information obtained from the CRS. Article 10: Data Security CRSPs and data providers shall ensure the integrity and security of the database at all times. To prevent misuse or unauthorized access, data loss or data corruption, all necessary steps must be possessed the following rules: 1. CRS shall have systems, processes and procedures to ensure data recovery and disasterplans to prevent data loss or data corruption; a) Access to the database will be restricted to authorized users only; 6 b) CRSPs shall establish adequate mechanisms to ensure that data will be used only for permissible purposes or other lawful purposes with consumer’s consent according to article 8 of the present Prakas. 2. Data providers shall ensure the availability of adequate security measures, policies and procedures. Security measures policies for the operation of the CRS shall be approved by the Board of Directors of the CRSP and the NBC. The measures adopted should be reflected from a technical, organizational and technological view. Article 11: Data Retention Period 1. Information collected by CRS will be distributed among data providers for a period of ten (10) years from the payment or settlement deadline in case of positive information;2. Court judgment data will be distributed after three (3) years from the execution date;3. Bankruptcy data will be distributed for a period of five (5) years from the date of discharge;4. Negative information will be distributed for a period of three (3) years from the payment deadline. Article 12: Consumer Rights CRS and relevant parties shall ensure:a) Individual’s rights regarding their data will be respected;b) The CRSPs shall establish a dedicated unit with clear rules and procedures to handle claims and requests from individuals regarding their data;c) No data related to consumer’s political tendency, beliefs, color, race, and personal private information will be collected and stored in the CRS;d) Data will be collected for the permissible purposes provided under the article 8. Data collected or used for different purposes than the ones stated under the article 8 will need unambiguous consumer’s consent. CHAPTER 4 DATA PROVIDERS Article 13: Covered Entities 1. All Covered Entities are required to contribute positive and negative information to the CRS on a monthly basis. Any failure to contribute and/or access data shall be subject to sanctions provided under applicable laws;2. Consumers’ consent shall be obtained for data collection and data access. The NBC will establish a standard consent form to be used by all covered entities;3. A timeframe of nine (9) months to adapt their systems to provide data on a monthly basis is granted;4. There will be no discrimination between any data providers and the CRS shall provide service under fair conditions to all participants. Article 14: Other Data Providers and Users 7 1. Non covered entities shall contribute data and access data to the CRS once the prior consumer’s consent and the NBC is obtained; 2. All data providers and users whether regulated by the NBC or not, will be subject to the same rules, obligations, and sanctions, as provided in this Prakas; 3. Under the rules of reciprocity, entities, that do not report all required information, will not be able to access all information submitted to the CRS by other data providers; 4. The NBC can mandate the participation of new data providers when their activity in Cambodian credit market is perceived to be significant by the NBC. CHAPTER 5 - MANAGEMENT OF CREDIT REPORTING SYSTEM Article 15: Corporate Governance 1. Any CRSP operating in Cambodia shall be controlled by Board of Directors which shall be composed of at least seven (7) members, one of which shall be a representative of the NBC, and another one shall be an independent director. 2. The members of the Board shall have adequate qualifications on banking and financial system. No person shall be a member of the Board of Directors of the CRS if he or she has been convicted of any of the followings: a) Crime;b) Theft, forgery, fraud or breach of trust;c) Misappropriation of work;d) Usury;e) Money laundering and financing terrorism;f) Issuing dishonored cheques;g) Personal bankruptcy, receivership or liquidation of assets. 3. A Chief Executive Officer shall be nominated by the Board of Directors. No person shall act as Chief Executive Officer if: a) he has been convicted of any crimes;b) he is a minor or legally disable;c) he has been convicted of an offence involving theft or fraud causing financial loss;d) he has been removed from an office on account of abuse of office or corruption in the immediate ten (10) years ;e) he has been convicted of an offence involving dishonesty;f) he is a CEO or acts in the Board of Directors of any of the data provider; 4. CRSP shall establish a dedicated unit to put into practice the consumer’s rights, CRS’s operations, and security measures; 5. The Board of Directors shall be responsible for ensuring that the CRS is prudently managed and complies with any applicable laws and regulations. CHAPTER 6 - OPERATIONS OF THE SYSTEM Article 16: Data Sources 8 1. The CRS will collect, load, and disseminate credit information and related data about individuals and firms from the following sources: a) covered entities , users and other data providers; andb) other public information available via lawful means.2. CRSPs shall be able to access to publicly available information and other sources, including: a) An institution or organization in charge of business registers, immovable property and other property rights;b) An institution or organization in charge of keeping identification files such as National ID, family book, passport or tax number.3. The CRSPs may collect data on court judgments and insolvency proceedings when available and obtained through lawful means. Article 17: Collection and Distribution 1. CRS will collect, process, and store credit information obtained from the data providers and other data sources according to the best possible knowledge, including operational guidelines to protect data from misuse, unauthorized access, loss, or system failure. CRS will introduce quality control procedures to ensure the continuity of the service. 2. Data providers shall submit their complete loan portfolios according to the layout and format established by the CRSPs in agreement with the Advisory Council. The initial format will follow the layout indicated in ANNEX 1 (file layout). It will include two parts, one containing identifiable information of the borrower and guarantor and another relating to the credit transaction data. 3. Data providers shall provide the first file within ninety (90) days, beginning from being notified the commencement date. a) The CRS shall load all relevant data that complies with the File Layout received from the data providers within a period of 5 business days since the receipt of data. b) All data providers shall provide a complete update of their credit information every month, at least dated on the fifth (5) of next month. c) The file shall be provided in the format established by the Boards and approved by the Council. 4. CRSPs shall be responsible for the CRS database and shall provide the credit information services to covered entities, data providers and other authorized users under this Prakas, the code of conduct, or any applicable regulations of the NBC. 5. CRSPs shall be responsible for data leakage as of a result of system failure or data misuse by its employees. 6. Credit information shall not be sold or disclosed by any of the covered entities, data providers, or any users to a third party. Covered entities, data providers, or authorized users, shall not use the information obtained from the CRS to provide services to third parties or to conduct marketing campaigns, other than their existing customers. 9 7. CRSPs may modify the terms and conditions of the service to guarantee or improve the performance of the service. CRS shall send a notice to the data providers within 60 days before the new conditions come into effect. Article 18: Access to Credit Reporting System (CRS) 1. All covered entities shall use the CRS to analyze the payment behavior of the applicant whenever they receive any new loan application, or renewal or extension of an existing credit facility, regardless of the loan amount. a) Access to the CRS shall be only restricted to data providers or authorized users under the terms established in the code of conduct. b) The CRSPs shall establish processes, procedures and rules for determining authorized users to be authorized. 2. Other non regulated data providers shall submit credit information and access the CRS on a voluntary basis, subject to the rules of reciprocity and code of conduct. 3. The CRSPs shall ensure that the service is, secure, stable and usable, and shall ensure that the credit reporting system is fully capable of serving data providers and authorizedusers. 4. CRSPs shall not be responsible for non-authorized access that occurs as a consequence of the sharing or disclosure access codes or passwords with third parties by any data provider or authorized user. 5. All data providers and authorized users shall be subject to the security measures procedures adopted and contained under the code of conduct. Article 19: Other Services. CRSPs shall request for guidance from the Advisory Council prior to introducing any new services or products. The council shall produce a report with their conclusions based on fairness of the product for all creditors and impact on consumers. The council shall provide the report to the CRSPs within 30 days from the requested date. Article 20: Pricing Policies 1. CRSPs may charge fees, charges or penalties for its services, based on a transparent policy in accordance with the services provided. 2. The CRSPs shall obtain approval from the NBC for any amendments to the pricing policy prior to the enactment. The NBC shall consider such application and related documents, and either approve or decline within 15 business days. CHAPTER 7 - CONSUMER RIGHTS Article 21: Notification of Consumer Rights 10 1. By way of a consent clause, data providers shall notify the consumer on any loan application, renewal or extension of the relevant credit information being submitted to the CRS. The consent clause shall include the followings: a) Name of the data provider;b) Purpose of collection the credit information;c) Name and address of the CRSP;d) Means to access the credit information in case there is a need to correct or modifythe credit information.e) Covered entities and non-covered entities, when become data providers, shall include notification of consumer rights in the loan application form and establish a standard consent form as provided in annex II and III, respectively. 2. When an adverse action against a consumer has taken place, as a result of a CRS enquiry, the data provider shall notify the consumer accordingly within 5 business days. Article 22: Confidentiality 1. The credit information is confidential and shall only be used for the permissible purposes set forth in the article 8. Confidentiality shall be strictly implemented and data providers or authorized users shall not sell or otherwise provide such credit information to any third party. 2. Only authorized employees of the users, the NBC, and the CRSPs can access the information and always for the strict performance of their duties. The CRSPs shall take all necessary measures to ensure that CRS’s directors and employees regularly maintain the confidentiality of credit information. The CRSPs shall take all reasonable measures to prevent unauthorized access to credit information, and shall establish and enforce security policies and procedures to govern the access to the credit information. 3. The NBC shall have free access to the CRS to obtain credit information for its oversight functions of covered entities, as well as other information pertaining to the non-covered entities to monitor the overall financial stability. 4. The NBC shall have access to the CRS in order to fulfill its oversight functions to maintain the efficient, transparent, fair and legal operations of the CRS. 5. Directors and employees of CRSPs, authorized users and employees of data providers shall sign confidentiality agreements prior to gaining access to credit information or the CRS. Article 23: Right over Information 1. Consumers shall be entitled to request disclosure of any data pertaining to him/her once a year, per copy. a) The report shall be provided to the consumers within ten (10) business days from the receipt of the request to the primary address held in file at the CRS. The consumer can request an immediate report at assigned rate of the CRSPs. b) The consumers shall sufficiently identify themselves prior to gaining access to their credit information. c) The CRSPs shall provide the consumer a copy of all their credit information once per year, including the name and list of the data providers that have accessed their credit information within the last six (6) months. 11 2. The consumers shall be entitled to request for correction of any incorrect or incomplete credit information at any time. a. When a request for correction of incorrect or incomplete credit information is received, the CRSPs shall inform relevant data provider and send all relevant information to that data provider in order to investigate and correct the credit information within ten (10) business days. b. The CRSPs shall inform the consumer at the primary address held in the file at the CRS no later than ten (10) business days after receiving the response from the relevant data provider of the result of the complaint. 3. A detailed consumer rights procedure shall be made available at all data provider’s premises and their respective websites or at the CRSPs premises and website. CHAPTER 8OVERSIGHT Article 24: Roles of the National Bank of Cambodia 1. The NBC has the authority to set up any regulations to control and oversee all credit reporting activities, including any relationship with service providers or data providers and authorized users regarding the efficiency and fair functioning of the CRS. 2. The NBC has authorities to: a) issue, suspend and de-license of the CRSPs;b) monitor the compliance with the rules, regulations, code of conduct, terms,procedures and operating systems;c) supervise the adequacy of mechanisms in ensuring continuity of the services,including the entry and exit requirements and other requirements;d) monitor all implementation of resolutions adopted by the Advisory Council;e) require the CRSPs to adopt necessary measures enabling the mandatory participationof all covered entities and the voluntary participation of non-covered entitiesoperating in the credit market; andf) penalize and sanction all parties interacting with the CRS, including but not limitedto data providers, authorized users and consumers. Article 25: Advisory Council 1 The “Advisory Council” shall consist of 5 to 11 members.2 The “Advisory Council” shall be chaired by the NBC and shall meet at least twice a year or more often when necessary.3 In order to ensure efficiency, reliability and safety of the system, the “Advisory Council” shall hold regular meeting to agree the followings: a) The strategic vision of the credit reporting system in Cambodia;b) The format and content of the credit information file layout;c) The operational rules governing the CRS;d) The update periods of credit information, data loading, and disclosing; 12 e) The design of all products and services of the CRS and the various deliverymethods, including security measures and technologies;f) The participation of new members;g) The adequacy of technology and homogenization of the IT services to provide data;h) The content of the operational and technical manuals relating to security, operations,consumer’s rights, dispute resolution and any substantial amendment;i) The content of the code of conduct;j) The adequacy of services and products provided and pricing policies;k) The educational programs for credit officers to use data properly;l) The recommendations to the CRSPs regarding the provision of the service or theconduct of the data providers or users. Article 26: Dispute Resolution Mechanism 1. Any complaint regarding the accuracy or the credit information shall be submitted to the CRSP for investigation.2. Once a complaint is received, the CRSP shall investigate the dispute and respond within 10 business days from the date of receipt, by: a) Investigate the accuracy of the compliant or others;b) Respond in writing to the complainant outlining the decision;c) Correcting any incorrect or incomplete credit information within 10 business days.3. A Consumer dissatisfied with the decision may appeal to the NBC within 10 businessdays. 4. If the Consumer is not satisfied with the NBC’s decision, further appeal may be made to the Court. CHAPTER 9OFFENCES AND PENALTIES Article 27: Offences Data providers or authorized users, that has access to credit information in the CRS and uses such credit information for different permissible purposes of this Parkas, shall be liable to breaching the confidentiality and penalties under the Law on Banking and Financial Institutions. Article 28: Penalties Any person violates the provisions of this Prakas shall be liable for the following administrative penalties:1. Any person who, acts either for his own account, or for the account of a legal person, by carrying out the CRA without a license, shall be liable for a fine from five (5) million to two hundred and fifty (250) million riels, without prejudice to the closure of the concerned institution;2. Any person or legal entity or any data provider or authorized user, that uses the credit information obtained from the CRS for a different purposes other than the ones established under the Article 8 shall be subject to a fine from five (5) million to two hundred and fifty (250) million riels; 13 3. Any person whether or not the covered entities, shall be liable for a fine of four (4) million to ten (10) million riels, following the cases of: a) he infringes any code of conduct or fails to provide complete and accurate credit information to the CRS within the timeframe provided;b) he fails to respond to request for information by the NBC within the timeframe specified;c) he knowingly provides the CRS with inaccurate or incomplete information regarding a consumer complaint or investigation;d) he fails to comply with the deadlines for consumers’ rights. 4. Besides the above administrative penalties, any person infringes on the provision provided in this Prakas or the code of conduct shall be liable for disciplinary sanctions or penalties as provided in applicable law. CHAPTER 10TRANSITIONAL PROVISIONS Article 29: Adoption Period Data providers shall prepare their procedures, processes, and systems to the requirements provided by this Prakas within a period of nine (9) months, starting from this Prakas comes into effect.After such period sanctions may be applied by the NBC. CHAPTER 11FINAL PROVISIONS Article 30: Repeal Prakas B7-06-073 on the Utilization and Protection of Credit Information; Prakas B7-06- 101 on the Implementation of Credit Information Sharing System Management Guideline; Prakas B7-06-102 on the Establishment of Board of Directors of Credit Information Sharing System; Prakas B7-06-103 on the Establishment of Management Committee of Credit Information Sharing System; Prakas B7-06-104 on the Establishment of Operators and Secretariats of Credit Information Sharing System are hereby repealed. Article 31 Implementation The General Secretariat, the General Directorate of Supervision, the Technical GeneralDirectorate, the General Cashier, the General Inspection, all Departments and Unit under theNational Bank of Cambodia, all Banking and Financial Institutions under the NBC’s supervisoryauthority and all relevant parties shall strictly implement this Prakas. http://www.creditbureaucambodia.com/khmer/component/content/78.html?task=viewMon, 21 Nov 2011 01:47:29 +0000 Privacy Policy លក្ខខណ្ខរក្សាការសម្ងាត់   តើព័ត៌មានបែបណាដែលយើងខ្ញុំប្រមូល? យើងខ្ញុំប្រមូលព័ត៌មានពីលោកអ្នកនៅពេលដែលលោកអ្នកជាវប្រចាំនូវព្រឹត្តិបត្រ័យើងខ្ញុំ​រឺពេល​បំពេញបែបបទ។ នៅពេលធ្វើការបញ្ជាទិញរឺចុះឈ្មោះនៅក្នុងគេហទំព័រយើងខ្ញុំលោកអ្នកអាចនឹងត្រូវស្នើអោយ​បញ្ចូលឈ្មោះអាស័យដ្ឋានអ៊ីម៉ែលអាស័យដ្ឋានប្រៃសនីយ៏​និងលេខទូរស័ព្ទ។ទោះយ៉ាងណា​ក៏ដោយ​​​​លោកអ្នកអាចទស្សនាគេហទំព័រយើងខ្ញុំដោយមិនបញ្ចេញឈ្មោះ។   Googleជាភាគីអ្នកលក់ទីបីប្រើប្រាស់ខូគី​(cookies) ដើម្បីដាក់ពាណិជ្ជកម្មភ្ជាប់ទៅនឹងតំបន់​បណ្តាញ​លោកអ្នក។ការដែលប្រើប្រាស់​DART ខូគីរបស់Google អាចអោយវាដាក់​ពាណិជ្ជកម្មផ្សាយទៅកាន់​អ្នកប្រើប្រាស់​​​របស់​លោកអ្នកនៅពេលដែលគេចូលទស្សនាតំបន់​បណ្តាញលោកអ្នកនិងតំបន់បណ្តាញផ្សេងៗទៀតនៅលើអ៊ិនថើណែត។អ្នកប្រើប្រាស់អាចជ្រើសយកការមិនប្រើ DART ខូគីដោយការ​ទស្សនាគោលនយោបាយរក្សាការសម្ងាត់​បណ្តាញ​មាតិការនិងពាណិជ្ជកម្មរបស់Google។   តើយើងខ្ញុំប្រើប្រាស់ព័ត៌មានលោកអ្នកសម្រាប់ធ្វើអ្វីខ្លះ? ព័ត៌មាននីមួយៗដែលយើងខ្ញុំប្រមូលពីលោកអ្នកនឹងអាចត្រូវបានប្រើប្រាស់ដូចវិធីតទៅនេះ ដើម្បីធ្វើអោយប្រសើរឡើងនូវគេហទំព័ររបស់យើងខ្ញុំ(យើងខ្ញុំបន្តព្យាយាមធ្វើអោយប្រសើរឡើងនូវគេហទំព័ររបស់យើងខ្ញុំដោយផ្អែកលើព័ត៌មាននិងមតិផ្តល់ត្រលប់ពីលោកអ្នក) ដើម្បីផ្ញើអ៊ីម៉ែលតាមកាលកំណត់អាស័យដ្ឋានអ៊ីម៉ែលដែលលោកអ្នកផ្តល់អាចនឹងត្រូវបានប្រើប្រាស់សម្រាប់ការផ្ញើរព័ត៌មានពី​យើងខ្ញុំឆ្លើយតបទៅនឹងចម្ងល់និ​​ង/​រឺសំណើររឺសំណួរនានា។   តើលោកអ្នកការពារព័ត៌មានលោកអ្នកតាមវិធីណា? យើងខ្ញុំអនុវត្តវិធានការការពារសន្តិសុខជាច្រើនបែបដើម្បីរក្សាសុវត្តិភាពនូវព័ត៌មានផ្ទាល់ខ្លួនដែលលោកអ្នកបញ្ចូលក្នុងការដាក់ពាក្យសុំរឺចូលមើលព័ត៌មានផ្ទាល់ខ្លួនរបស់លោកអ្នក។   យើងខ្ញុំផ្តល់នូវការប្រើប្រាស់នូវម៉ាស៊ីនដែលមានសុវត្តិភាព។រាល់ព័ត៌មានឥណទានដែលផ្តល់អោយណាដែលមានលក្ខណះរសើបត្រូវបានបញ្ចូនតាមរយះបច្ចេកវិទ្យា Secure Socket Layer (SSL) ហើយបន្ទាប់មកប្តូរព័ត៌មាននៅលើកុំព្យូទ័រក្នុងគោលបំណងកុំអោយគេអានបានទៅក្នុង​មូលដ្ឋានទិន្នន័យដែលអាចប្រើប្រាស់បានចំពោះតែអ្នកដែលទទួលសិទ្ធចូលដំណើរការពិសេសទៅក្នុងប្រព័ន្ធយើងខ្ញុំនិងតម្រូវអោយរក្សាព័ត៌មានជាការសម្ងាត់។បន្ទាប់ពីប្រតិបតិ្តការព័ត៌មានផ្ទាល់ខ្លួន(បណ័្ណឥណទានលេខសន្តិសុខសង្គមហិរញ្ញវត្ថុនានា)នឹងមិនត្រូវបានរក្សាទុកនៅ​ក្នុងម៉ាស៊ីនយើងខ្ញុំទេ។   តើយើងខ្ញុំប្រើប្រាស់ខូគីដែររឺទេ? http://www.creditbureaucambodia.com/khmer/component/content/77.html?task=viewTue, 20 Sep 2011 21:30:50 +0000 Terms & Conditions សូមស្វាគមន៏ការមកដល់គេហទំព័រយើងខ្ញុំ។ប្រសិនបើលោកអ្នកស្វែងរកនិងប្រើគេហទំព័រនេះលោកអ្នកយល់ព្រមគោរពតាមនិងចងភ្ជាប់ទៅនឹងកិច្ចព្រមព្រៀងនិងលក្ខខណ្ខនៃការប្រើប្រាស់ដែលជាមួយគ្នានឹងគោលនយោបាយភាពសម្ងាត់ផ្ទាល់ខ្លួនដែលគ្រប់គ្រងនូវទំនាក់ទំនងរវាងក្រេឌីតប្យូរ៉ូ​កម្ពុជានិងលោកអ្នកចំពោះគេហទំព័រនេះ។ប្រសិនបើលោកអ្នកមិនយល់​ស្រប​ទៅនឹងផ្នែកណាមួយនៃកិច្ចព្រមព្រៀងនិងលក្ខខណ្ខសូមមេត្តាមិនបាច់ប្រើប្រាស់​គេហទំព័រ។   ខ្លឹមសារនៃទំព័រនានាក្នុងគេហទំព័រនេះគឺសម្រាប់ព័ត៌មានទូទៅរបស់លោកអ្នកនិងការប្រើប្រាស់តែមួយគត់។វាអាចប្រែប្រួលដោយមិនមានការប្រាប់ដំណឹងជាមុន។គេហទំព័រនេះប្រើប្រាស់ខូគីដើម្បីតាមដានចំណូលចិត្តក្នុងការរកមើល។ប្រសិនបើអ្នកអនុញ្ញាតិអោយមានការប្រើប្រាស់ខូគីព័ត៌មានផ្ទាល់ខ្លួនអាចនឹងត្រូវបានរក្សាទុកនិងប្រើប្រាស់ដោយភាគីទីបី។   យើងខ្ញុំក៏ដូចជាភាគីទីបីមិនអាចផ្តល់នូវការធានារឺរាប់រងណាទៅលើភាពជាក់លាក់ភាពទាន់ពេលការបំពេញមុខងារភាពពេញលេញរឺភាពសមស្របនៃព័ត៌មាននិងសម្ភារ:ឯកសារនានាដែលបានឃើញនិងផ្តល់ដល់គេហទំព័រនេះក្នុងគោលបំណងណាមួយ។លោកអ្នកទទួលស្គាល់ថាព័ត៌មាននិងសម្ភារ:ឯកសារទាំងនោះអាចមានភាពមិនត្រឹមត្រូវរឺកំហុសហើយយើងខ្ញុំបដិសេធមិនទទួលខុស​ត្រូវលើភាពមិនត្រឹមត្រូវរឺកំហុសនៅចំពោះមុខច្បាប់។   ការប្រើប្រាស់ព័ត៌មានរឺសម្ភារ:ឯកសារនៅលើគេហទំព័រនេះគឺជាការទទួលខុសត្រូវទាំងស្រុងរបស់​លោកអ្នកដែលយើងខ្ញុំនឹងមិនមានការទទួលខុសត្រូវឡើយ។វាគួរជាការទទួលខុសត្រូវផ្ទាល់ខ្លួន​របស់លោកអ្នកក្នុងការធានាថាផលិតផលសេវាកម្មរឺព័ត៌មានណាមួយដែលទទួលបានតាម​រយះគេហទំព័រនេះត្រឹមត្រូវតាមសេចក្តីតម្រូវការជាក់ស្តែងរបស់លោកអ្នក។   គេហទំព័រនេះមាននៅសម្ភារ:ឯកសារដែលមិនមែនជាកម្មសិទ្ធរឺអាជ្ញាប័ណ្ណពីយើងខ្ញុំ។សម្ភារ:ឯកសារនេះរួមមានតែមិនកំណត់តែលើប្លង់រចនាគំនូសព្រាងរូបរាងការបង្ហាញអោយឃើញនិងក្រាហ្វិច។ការផលិតចម្លងតាមត្រូវបានហាមឃាត់លើកលែងតែគោរពតាមកម្មសិទិ្ធបញ្ញាដែលបង្កើតឡើងជាចំណែក​នៃការព្រមព្រៀងនិងលក្ខខណ្ឌទាំងនេះ។   រាល់សញ្ញាពាណិជ្ជកម្មទាំងអស់បង្កើតប្រើប្រាស់ឡើងវិញនៅក្នុងគេហទំព័រនេះដែលមិនមែន​ជាកម្មសិទ្ធិរឺអាជ្ញាបណ្ណ័យើងខ្ញុំ​​​ប្រត្តិបត្តិករត្រូវបានទទួលស្គាល់នៅលើគេហទំព័រនេះ។ការប្រើប្រាស់ដែលខុសច្បាប់នៃគេហទំព័រនេះអាចបណ្តាលអោយមានសេចក្តីអះអាងនៃការខូចខាតនិងរឺក្លាយ​ជាបទល្មើសព្រហ្មទ័ណ្ឌ។   ជាឱកាសម្តងម្កាល់គេហទំព័រនេះអាចបញ្ចូលផងដែរនូវតំណ​(links)ទៅកាន់គេហទំព័រដទៃ​ទៀត។​តំណ(links)ទាំងនេះផ្តល់សម្រាប់ជាការងាយស្រួលដល់លោកអ្នកក្នុងការទទួល​បាន​ព័ត៌មានបន្ថែម។ទាំងនោះមិនមែនមានន័យថាយើងខ្ញុំផ្តល់នូវការគាំទ្រលើគេហទំព័រ(ច្រើន។យើងខ្ញុំ​​មិនមានការទទួលខុសត្រូវលើព័ត៌មាននៅលើគេហទំព័រដែលបានតភ្ជាប់នោះទេ។ការប្រើប្រាស់របស់លោកអ្នកនូវគេហទំព័រនេះនិងជម្លោះណាមួយដែលកើតឡើងពីការប្រើ​ប្រាស់គេហទំព័រនេះនឹងស្ថិតក្រោមការការអនុវត្តន៏ច្បាប់នៃព្រះរាជាណាចក្រកម្ពុជា។ http://www.creditbureaucambodia.com/khmer/component/content/76.html?task=viewTue, 20 Sep 2011 21:30:18 +0000 Contact Us ទំនាក់ទំនងការិយាល័យស៊ីប៊ីស៊ី ទំនាក់ទំនងការិយាល័យស៊ីប៊ីស៊ី អាស័យដ្ឋាន​​  : (ជាន់ទី៥) #​ ២២,ផ្លូវ​២៤២ កែងផ្លូវ១០៧,បឹងព្រលិត,៧ មករា,ភ្នំពេញ,កម្ពុជា ទូរស័ព្ទ  :   (៨៥៥)​២៣​ ៩៦៧០០១ ទូរសារ  :  ​(៨៥៥)២៣​​​​​​​​​​​​​​​​​​​​​​​​​​​ ៩៦៧០០៤ អ៊ីម៉ែល  :   info@creditbureaucambodia.com (mailto:info@creditbureaucambodia.com) ប្រព័ន្ធទូរស័ព្ទផ្តល់ជំនួយស៊ីប៊ីស៊ី អាស័យដ្ឋាន​​  : (ជាន់ទី៥) #​ ២២,ផ្លូវ​២៤២ កែងផ្លូវ១០៧,បឹងព្រលិត,៧ មករា,ភ្នំពេញ,កម្ពុជា ទូរស័ព្ទ  :   (៨៥៥)២៣ ៩៦៧០០១ ទូរសារ  :  ​(៨៥៥)២៣ ៩៦៧០០៤ អ៊ីម៉ែល  :   helpdesk@creditbureaucambodia.com (mailto:helpdesk@creditbureaucambodia.com)     http://www.creditbureaucambodia.com/khmer/component/content/75.html?task=viewTue, 20 Sep 2011 13:46:01 +0000 Credit Administrators We are currently searching for qualified credit administrators. The requirements for this role are as follows: Processing of data obtained from all sources Reviewing all information for accuracy and legitimacy Handling and directing all incoming client support calls Answering client questions pertaining to the administration of data Answering consumer and commercial inquiries into the accuracy of files Assists with dispute resolution and self-inquiry process Completing all necessary disclosures, inquiries, and verifications required by law All other duties deemed administrative and appropriate assigned by Office Manager Must be fluent in Khmer and English To apply to this position please email us with your introduction letter and CV in MicroSoft Word format at the following address:  http://www.creditbureaucambodia.com/khmer/component/content/74.html?task=viewTue, 20 Sep 2011 13:42:58 +0000 Program/System Technician We are currently searching for a program and systems technician, the requirements for this role are as follows: Responsible for all maintenance, upkeep, updates, and changes to Credit Bureau software program Responsible for all office software in use Responsible for all compliance and ownership requirements pertaining to all software in use Responsible for all trouble shooting Responsible for all client calls pertaining to program malfunction Responsible for all maintenance, upkeep, updates, and changes to all equipment in use Responsible for all communications, network, security, and hardware maintenance and upkeep Responsible for all ownership registration requirements pertaining to all hardware in use Responsible for design and upkeep of company web site Should be involved in creation and implementation of software program Must be fluent in Khmer and English To apply to this position please email us with your introduction letter and CV in MicroSoft Word format at the following address:  employment@creditbureaucambodia.com http://www.creditbureaucambodia.com/khmer/component/content/73.html?task=viewTue, 20 Sep 2011 13:30:21 +0000 NZ'S Largest Credit Bureau Signs Deal With Cambodia AUCKLAND, 10 May 2011 - World-leading data-matching technology developed in Auckland has won credit bureau Veda Advantage a contract to build Cambodia's first credit bureau. The company secured the contract in a global tender and negotiations have seen it become a 49 percent shareholder in the credit bureau, which is due for delivery this year. Managing Director John Roberts says Veda competed with the world's top 10 credit bureaus to win the contract which he says was won on the quality of its intellectual property and technology platform especially its matching routines. "This says we are globally best in class which is a huge endorsement for the work of Veda's international technology support desk working around the clock from the company's Auckland office." The deal is initially worth $2 million but will grow annually as Cambodia's economy grows. Co-investors in the bureau are the Association of Banks in Cambodia and the Cambodia Microfinance Association. Mr Roberts says "Cambodia wants a credit bureau so its micro-financing sector can borrow money from the foreign banks now located in Phnom Penh. The foreign banks are happy to pump liquidity into Cambodia but only when they can assess credit risk with credit reporting data." The Cambodian deal is the company's fourth weightless export success in the past 8 years. In 2002 Veda Advantage sold its BureauStream software in Singapore where it entered into a joint development to build a consumer credit bureau for the Bankers Association of Singapore. This quickly became the benchmark for credit bureaus in the Asia and Middle East regions and more business followed. It has since installed a credit bureau for the Central Bank of Malaysia, Bank Negara and for the Central Bank of Saudi Arabia. The later is the world's first bilingual Arabic language bureau. Support for all these operations continues on a day-to-day basis from Auckland. The company continues its work to identify further export opportunities with talks ongoing in China. At the heart of Veda Advantage's export success is its intellectual property developed specifically for the New Zealand environment. Because New Zealanders (unlike United States citizens) do not have a unique identity number for every person, data has to be collected from disparate sources and matched correctly. The company has developed highly accurate matching algorithms to achieve this. These are embodied in the company's BureauStream software. Mr Roberts says "credit is critical to a growing economy and as the countries to Asia and the Middle East adopt new financial systems, more and more export opportunities will be available for Veda. This is great for the company, great for New Zealand's export returns and great for knowledge jobs in Auckland." Veda's success overseas serves as a strong recommendation to New Zealanders that they have a world class credit bureau operating at home. The company has invested millions of dollars in its database and technology to provide the most trusted and robust credit file data in New Zealand. It has also spent the last three years preparing for the country's move to comprehensive credit reporting in April 2012. Mr Roberts says "Veda is an exemplar of a high technology business in New Zealand which is delivering a service not only directly to New Zealanders but to the economy in terms of export returns." http://www.creditbureaucambodia.com/khmer/component/content/72.html?task=viewTue, 20 Sep 2011 13:21:53 +0000 Fraud Management ការគ្រប់គ្រងការក្លែងបន្លំ   ជាមួយនឹងការដែលមន្ត្រីឥណទានអ្នកធានានិងក្រុមការងារប្រឆាំងការក្លែងបន្លំក្តាប់បានទិន្នន័យទាន់ហេតុការណ៏ដែលអាចចាត់វិធានការបានជួយអតិថិជនយើងខ្ញុំ ភាគច្រើនអោយទទួល​បានដំណើរការអនុម័តដោយស័្វយប្រវតិ្ត។ការស្វែងរកដោយស័្វយប្រវត្តិនូវព័ត៌មានដែលមិនខ្ជាប់ខ្ជួនក្នុងកំឡុងពេលដំណើរលើពាក្យស្នើសុំនៃអតិថិជនម្នាក់កាត់បន្ថយហានិភ័យនៃការអនុម័តយល់ព្រមលើពាក្យសុំដែលក្លែងបន្លំ។   ការប្រើប្រាស់ឧបករណ៏ធ្វើនីត្យានុកូលកម្មរបស់ស៊ីប៊ីស៊ីការធ្វើអត្តសញ្ញាណកម្ម​អតិថិជន​មូលដ្ឋានទិន្នន័យព័ត៌មានឥណទាននិងឧបករណ៏ស័្វយប្រវត្តិជួយអតិថិជនយើងខ្ញុំក្នុ្ងងការគោរពតាម​ការអនុវត្តន៏ច្បាប់នៃព្រះរាជាណាចក្រកម្ពុជា។   ប្រព័ន្ធការពារការលាងលុយកខ្វក់ជួយស្ថាប័នហិរញ្ញវត្ថុនានាចាប់ភស្តុតាងនិងតាមដានសកម្មភាពគួរអោយសង្ស័យនិងរាយការណ៏មុនពេលដែលការក្លែងបន្លំរឺសកម្មភាពខុសច្បាប់កើតមានឡើង។ http://www.creditbureaucambodia.com/khmer/component/content/71.html?task=viewTue, 20 Sep 2011 11:52:13 +0000 Risk Management Services សេវាកម្មគ្រប់គ្រងហានិភ័យ   ការបង្ការសកម្មភាពក្លែងបន្លំអោយកើតឡើងបានដោយជោគជ័យបំផុតគឺអាស្រ័យលើ​ភាពបរិសកម្ម។សេវាកម្មនៃស៊ីប៊ីស៊ីអនុញ្ញាតិអោយអតិថិជនយើងខ្ញុំអាចផ្ទៀងផ្ទាត់ការ​ប្រើប្រាស់បណ័្ណឥណទានពិនិត្យជ្រើសរើសប្រតិបត្តិការហានិភ័យខ្ពស់និងការពារចំពោះការ​ដាក់ពាក្យស្នើសុំឥណទានដែលក្លែងបន្លំ។   បច្ចេកវិទ្យាស៊ីប៊ីស៊ីអនុញ្ញាតិអោយអតិថិជនយើងខ្ញុំអាចវាស់វែងនិងទស្សទាយនូវ​​ហានិភ័យ​ដែលពាក់ព័ន្ធនឹងអតិថិជនដដៃ       ទៀត។ឧបករណ៏ជូនដំណឹងរបស់ស៊ីប៊ីស៊ីអនុញ្ញាតិអោយ​លោក​អ្នក​ត្រួតពិនិត្យភាពសុចរិតនៃផ្នែកហិរញ្ញវត្ថុនៃអតិថិជននីមួយៗក្នុងកំឡុង​ពេលវដ្តនៃ​ការប្រើ​ប្រាស់​របស់អតិថិជនកាត់បន្ថយចំនួននៃគណនីមិនដំណើរការនៅក្នុងផ្នែករបស់លោកអ្នក។   ជាមួយការប្រើប្រាស់ឧបករណ៏ស៊ីប៊ីស៊ីដើម្បីតាមដានឥណទានជាកញ្ចប់របស់លោកអ្នក ជួយ​អោយ​​អតិថិជនបង្កើនចំណូលជាអតិបរមាដោយសារមានការយល់ដឹងច្បាស់ជាងមុននៅ​ពេល​ណាដែលគួរពង្រីកឥណទានទៅលើគណនីដែលចំណេញនិងនៅពេលណាគួរកាត់បន្ថយសេវាសម្រួលឥណទាននានាលើគណនីមិនដំណើរការដោយផ្អែកលើទិន្នន័យទាន់ហេតុការណ៏។ http://www.creditbureaucambodia.com/khmer/component/content/70.html?task=viewTue, 20 Sep 2011 11:50:42 +0000 Customer Management ការគ្រប់គ្រងអតិថិជន ការគ្រប់គ្រងទំនាក់ទំនងជាមួយអតិថិជនគឺមានសារសំខាន់ប្រសិនបើលោកអ្នកចង់ទទួលបាន​ជោគជ័យក្នុងការធ្វើជំនួញ។ការប្រើប្រាស់ទិន្នន័យឥណទានជាក់ស្តែងដែលផ្តល់ដោយស៊ីប៊ីស៊ីលោកអ្នកអាចទទួលបានយ៉ាងឆាប់រហ័សនូវទិដ្ឋភាពទូទៅនៃសកម្មភាពឥណទានដែលអតិថិជនលោកអ្នកកំពុងដំណើរការ។   ទាញយកផលចំណេញលើឱកាសនៃការលក់ផលិតផលផ្សេងៗក្នុងពេលតែមួយ (cross-sell) ​និង​ការលក់ដោយបញ្ចុះបញ្ចូលអោយអ្នកប្រើប្រាស់ជាវនូវផលិតផលទំនើបៗនិងថ្លៃជាងមុន (up-sell)ជាមួយនឹងការយល់ច្បាស់ជាងមុននូវតម្រូវការឥណទាននៃអតិថិជនលោកអ្នក។​ជាមួយនឹងសេវាកម្មជូនដំណឹងនិងរបាយការណ៏ទាន់ហេតុការណ៏ស្តីពីសកម្មភាពឥណទាន​របស់​អតិថិជនលោកអ្នកដឹងថាពេលណាដែលគួរទាក់ទងអតិថិជនលោកអ្នក​។ទាំងនេះនឹង​ធ្វើអោយ​ទំនាក់ទំនង​លោកអ្នក​និងអតិថិជនកាន់តែប្រសើរឡើងនិងជួយលោកអ្នករក្សាបាននូវ​ក្រុម​អតិថិជនដែលលោកអ្នកកំពុង​មាន។ http://www.creditbureaucambodia.com/khmer/component/content/69.html?task=viewTue, 20 Sep 2011 11:49:55 +0000 Commercial Credit Services សេវាកម្មឥណទានពាណិជ្ជកម្ម   ស៊ីប៊ីស៊ីផ្តល់នូវចក្ខុវិស័យនៃឥណទានពាណិជ្ជកម្ម​ដែលជួយដល់ធុរកិច្ចនៃ​ប្រជាជនកម្ពុជា ក្នុងការកាត់បន្ថយចំណាយបង្កើនចំណូលនិងកាត់បន្ថយហានិភ័យដែលពាក់ព័ន្ធនឹង ឥណទានបែបកញ្ចប់។   ស៊ីប៊ីស៊ីរក្សានូវកម្រងមូលដ្ឋានទិន្នន័យឥណទានដែលគ្របដណ្តប់ទូលំទូលាយនិងផ្តាច់មុខនៅប្រទេសនានាដើម្បីជួយធុរកិច្ចអោយផ្តល់កម្ចីដោយទទួលបានផលចំណេញនិងកាត់បន្ថយហានិភ័យឥណទាន។​​របាយការណ៏ទិន្នន័យទាន់ហេតុការណ៏យើងខ្ញុំជួយក្រុមហ៊ុនការពារទ្រព្យ​សកម្ម​ជាមួយនឹង​ឧបករណ៏និងចក្ខុវិស័យដែលជួយការពារការក្លែងបន្លំ។   ការគ្រប់គ្រងហានិភ័យមានសារសំខាន់ក្នុងការកំណត់នូវការខាតបង់ផលចំណេញ។របាយការណ៏យើងខ្ញុំនឹងជួយលោកអ្នកក្នុងការបែងចែកជាផ្នែកនូវកម្ចី​និងឥណទាន​ជាកញ្ចប់។​សេវាកម្ម​ជូន​ដំណឹងស៊ីប៊ីស៊ី​អនុញ្ញាតិអោយអតិថិជនយើងខ្ញុំតាមដានវិភាគនិងចាត់​វិធានការណ៏យ៉ាង​ឆាប់រហ័សក្នុងការកាត់បន្ថយនូវការលុបចោលឥណទាននិងកំណត់នូវឱកាសរកចំណូលបន្ថែម។សេវាកម្ម​ត្រួតពិនិត្យ​ក៏ជួយការពារអតិថិជននិងធុរកិច្ចនៃកម្ពុជាពីការក្លែងបន្លំដោយ​ប្រើប្រាស់ឧបករណ៏ស៊ើបអង្កេតនិង​ផ្ទៀងផ្ទាត់ភាពត្រឹមត្រូវនៃអត្តសញ្ញាណ។ http://www.creditbureaucambodia.com/khmer/component/content/68.html?task=viewFri, 16 Sep 2011 10:55:49 +0000 Identity Theft Protection ការការពារការក្លែងបន្លំអត្តសញ្ញាណ ដោយសារតែសេដ្ឋកិច្ចកម្ពុជាកំពុងរីកចម្រើនក៏ដូចប្រទេសទាំងអស់លើពិភពលោកជា​ការពិត​ដែលអកុសលមួយគឺមានបុគ្គលមួយចំនួននឹងព្យាយាមក្លែងបន្លំដើម្បីរកប្រាក់ខុសច្បាប់។ ការលួចអត្តសញ្ញាណកើតឡើងនៅពេលដែលបុគ្គលម្នាក់ប្រើប្រាស់ព័ត៌មានលំអិតផ្ទាល់​ខ្លួនរបស់លោកអ្នក ដាក់ពាក្យសុំកម្ចីសេវាកម្មនានារឺឥណទានដោយគ្មានការអនុញ្ញាតិ​ដោយ​ផ្ទាល់​ពីលោកអ្នកដើម្បីប្រព្រឹត្តការក្លែងបន្លំរឺបទល្មើសផ្សេងៗ។ ដើម្បីកាត់បន្ថយហានិភ័យនិងជួយការពារលោកអ្នកនិងក្រុមគ្រួសារ​លោកអ្នកត្រូវការការ​ការពារការលួចអត្តសញ្ញាណ។​សេវាកម្មការពារការលួចអត្តសញ្ញាណរបស់ស៊ីប៊ីស៊ី​អាចជួយ​លោកអ្នកត្រួតពិនិត្យការផ្លាស់ប្តូរលើរបាយការណ៏ឥណទានរបស់លោកអ្នកនិងចាប់នូវការ​លួចរឺ​បន្លំអត្តសញ្ញាណប្រសិនបើកើតមាន។ជាមួយនឹងការផ្តល់សញ្ញាអោយដឹងជាមុនរៀង​រាល់ពេលដែលមានការផ្លាស់ប្តូរស្ថានភាពស៊ីប៊ីស៊ីលោកអ្នកអាចត្រួតពិនិត្យយ៉ាងសកម្មនិងការពារកេរ្តិ៍ឈ្មោះល្អនិងភាពគួរបានទទួលឥណទានរបស់លោកអ្នក។ សេវាកម្មនេះផ្តល់ដល់ប្រជាពលរដ្ឋកម្ពុជានិងអ្នកស្នាក់នៅកម្ពុជានូវផលប្រយោជន៏ដូចតទៅ ការត្រួតពិនិត្យរបាយការណ៏ឥណទានស៊ីប៊ីស៊ីរបស់លោកអ្នកជារៀងរាល់ថ្ងៃ ការផ្តល់សញ្ញាអោយលោកអ្នកដឹងមុនតាមរយះអ៊ីម៉ែលនិងសារជាអក្សរនៅពេលដែល​ស្ថានភាពព័ត៍មានលោកអ្នកផ្លាស់ប្តូរ​ ការត្រួតពិនិត្យការផ្លាស់ប្តូរអាស័យដ្ឋានថ្នាក់ជាតិ http://www.creditbureaucambodia.com/khmer/component/content/67.html?task=viewFri, 16 Sep 2011 10:31:31 +0000 Consumer Credit Report របាយការណ៏ឥណទានអតិថិជន ការត្រួតពិនិត្យរបាយការណ៏ឥណទានរបស់លោកអ្នកជាជំហានដំបូងក្នុងការគ្រប់គ្រងស្ថាន​ភាពឥណទានរបស់លោកអ្នកនៅកម្ពុជា។ជាមួយនឹងការត្រួតពិនិត្យរបាយការណ៏ឥណទានលោកអ្នកក៏ដូចជាអ្នកផ្តល់កម្ចីម្ចាស់ផ្ទះនិយោជកនឹងឃើញប្រភេទព័ត៌មានដូចគ្នា។ប្រសិនបើព័ត៌មានទាំងនោះមិនត្រឹមត្រូវលោកអ្នកអាចនឹងស្នើសុំអោយ​ស៊ីប៊ីស៊ី​​កែប្រែដើម្បី​អោយវាផ្តល់ នូវរូបភាពត្រឹមត្រូវនៃស្ថានភាពឥណទានរបស់លោកអ្នក។ នៅពេលណាដែលលោកអ្នកដាក់ពាក្យសុំបើកបណ្ណ័ឥណទានថ្មី​កម្ចីរឺការពង្រីកនូវឥណទាន​ណាមួយនៅកម្ពុជាអ្នកផ្តល់កម្ចីត្រូវត្រួតពិនិត្យ របាយការណ៏ឥណទានរបស់លោកអ្នកជាមួយ​ ស៊ីប៊ីស៊ីមុននឹងសំរេចចិត្តថាតើគួរតែផ្តល់ភាពងាយស្រួលដល់លោកអ្នកដែររឺទេ។ជាមួយនឹង​ការត្រួតពិនិត្យរបាយការណ៏ឥណទានលោកអ្នកនឹងអាចត្រៀមខ្លួនប្រសើរជាងមុនក្នុងការទទួលបានឥណទាន។ ជាមួយនឹងការស្នើសុំរបាយការណ៏ឥណទានលោកអ្នកនឹងអាច មានលទ្ធភាពក្នុងការបដិសេធទិន្នន័យឥណទានដែលមិនត្រឹមត្រូវ សិក្សាពីរបាយការណ៏ឥណទានរបស់លោកអ្នកនិងកំរិតនៃហានិភ័យដែលលោកអ្នក​ស្ថិតនៅ កត្តានានាដែលបន្ថែមនិងបន្ថយភាពគួរបានទទួលឥណទានស៊ីប៊ីស៊ីរបស់លោកអ្នក លោកអ្នកអាចស្នើសុំរបាយការណ៏ឥណទានម្តងក្នុងមួយឆ្នាំដោយឥតគិតថ្លៃពីស៊ីប៊ីស៊ី។ពេលវេលាដែលល្អក្នុងការប្រើប្រាស់របាយការណ៏ឥណទានគឺមុនពេលដែលលោកអ្នកដាក់ពាក្យស្នើសុំកម្ចីបណ្ណ័ឥណទាននិងសេវាសម្រួលការផ្តល់កម្ចីផ្សេងទៀត។ http://www.creditbureaucambodia.com/khmer/component/content/66.html?task=viewFri, 16 Sep 2011 10:29:51 +0000 Credit Information Centre មជ្ឈមណ្ឌលព័ត៌មានឥណទាន ការរក្សារបាយការណ៏ឥណទានល្អមួយគឺជាការសំខាន់។នៅពេលដែលឥណទានលោកអ្នក​​កាន់តែប្រសើរមានន័យថាលោកអ្នកមានហានិភ័យកាន់តែទាបសម្រាប់អ្នកផ្តល់កម្ចី។ប្រសិនបើលោកអ្នកមាន​របាយការណ៏ឥណទានដ៏ល្អមួយជាទូទៅលោកអ្នកអាចធានាទទួល​បាននូវកម្ចីឆាប់រហ័ស​និង​អាចទទួលបានអត្រាការប្រាក់ទាបនិងត្រូវបានចាត់ទុក​ថា​លោកអ្នកមាន​ហានិភ័យឥណទានតិចតួច។   មានផលិតផលចំនួនពីរដែលនឹងជួយលោកអ្នកក្នុងការបង្កើតរបាយណ៍ឥណទានល្អមួយ។ជំហានទីមួយក្នុងការបង្កើតភាពគួរទទួលបានឥណទានដ៏ល្អមួយគឺត្រូវទាញយករបាយណ៍ឥណទាននៃអតិថិជនរបស់លោកអ្នកនិងត្រួតពិនិត្យអោយដឹងថាព័ត៌មានលំអិតគឺត្រឹមត្រូវ។ប្រសិនបើធនាគារក្រុមហ៊ុនផ្តល់ប័ណ្ណឥណទានរឺអ្នកផ្តល់កម្ចីមិនបានផ្តល់នូវព័ត៌មានត្រឹមត្រូវអំពីលោកអ្នកនោះវានឹងប៉ះពាល់ទៅលើភាពគួរបានទទួលឥណទាន​របស់លោកអ្នក។ ជាមួយនឹងការធានាថារាល់កិច្ចសន្យាកម្ចីរបស់លោកអ្នកទទួលបានសេវាផ្គត់ផ្គង់ជាប្រចាំ​លោកអ្នកអាចបង្កើននូវភាពគួរបានទទួលឥណទាន​​របស់លោកអ្នក។ ការជាវជាប្រចាំនូវសេវាកម្មត្រួតពិនិត្យនឹងផ្តល់លោកអ្នកនូវព័ត៌មានរៀងរាល់ពេលដែលមាន​អ្វី​កើតឡើងទាក់ទងទៅនឹងរបាយការណ៏ឥណទានរបស់លោកអ្នក។ហើយវាក៏ផ្តល់សញ្ញាអោយដឹងមុនដល់លោកអ្នកនៅរៀងរាល់ពេលមានពាក្យស្នើសុំដែលប្រើប្រាស់ឈ្មោះលោកអ្នក។   http://www.creditbureaucambodia.com/khmer/component/content/65.html?task=viewFri, 16 Sep 2011 10:27:03 +0000 Consumer Credit Services សេវាកម្មនៃឥណទានអតិថិន   ស៊ីប៊ីស៊ីផ្តល់សេវាកម្មមួយចំនួនដល់​អតិថិជន​នៅកម្ពុជា​​ដែលអាចជំនួយដល់ការ​ទទួលបាន​នូវឥណទាន។សេវាកម្មយើងខ្ញុំអាចជួយលោកអ្នកដោយធានាថារបាយការណ៏ឥណទានរបស់លោកអ្នកមានភាពសុក្រិតនិងទាន់ហេតុការណ៏។យើងខ្ញុំក៏ផ្តល់ផងដែរនូវសេវាកម្មត្រួតពិនិត្យដែលធានាមិនអោយបុគ្គលផ្សេងណាប្រើប្រាស់ឈ្មោះលោកអ្នកមក​ស្នើរសុំឥណទានដោយគ្មានការអនុញ្ញាតិ​រឺក៏ការក្លែងបន្លំ​អត្តសញ្ញាណរបស់លោកអ្នក។   ជាមួយការយល់ដឹងនូវផលប៉ះពាល់ណាខ្លះដែលរបាយការណ៏ឥណទានរបស់លោកអ្នកមានទៅលើលទ្ធភាពទទួលបានកម្ចីបណ្ណ័ឥណទាននិងសេវាសម្រួលហិរញ្ញវត្ថុដទៃទៀតលោក​អ្នកមានឱកាសច្រើនក្នុងការទទួលបានឥណទាន។ http://www.creditbureaucambodia.com/khmer/component/content/64.html?task=viewFri, 16 Sep 2011 10:25:42 +0000 Benefits Of Membership អត្ថប្រយោជន៏នៃសមាជិកភាព សមាជិកសាជីវកម្មទទួលបាននូវអត្ថប្រយោជន៍ជាច្រើនបែបទាំងពីការទទួលបាននូវទិន្នន័យ​របាយការណ៏ឥណទានដែលប្រសើរជាងមុន​ដោយមានភាពជាក់ស្តែងនិងត្រឹមត្រូវជាងមុន។​ជំហានដំបូង​សមាជិកចែករំលែកនូវទិន្នន័យរបាយការណ៏របស់ខ្លួនដោយធានាអះអាងថា​ទ្រព្យសកម្មមួយនឹងមិនត្រូវបានយកទៅធានាក្នុងការធ្វើកិច្ចព្រមព្រៀងឥណទានជាច្រើននោះឡើយ។   ទង្វើនេះកាត់បន្ថយនូវហានិភ័យសម្រាប់អ្នកផ្តល់កម្ចីនិងកាត់បន្ថយផងដែរនូវចំនួនឥណទានមិនដំណើរការនៅក្នុងសេដ្ឋកិច្ចកម្ពុជា។   ជាមួយនឹងការយល់ដឹងពីតម្រូវការឥណទានរបស់អតិថិជន​លោកអ្នកអាចផ្តល់នូវ​អនុសាសន៏ណែនាំនូវផលិតផលនិងសេវាកម្មនានាដែលសមស្របទៅនឹងទិន្នន័យស្ថានភាព​​ឥណទានរបស់អតិថិជន។ទង្វើនេះបង្កើននូវឧត្តមភាពប្រៀបធៀបនិងបង្កើតនូវភាពជឿជាក់ស្មោះស្ម័គ្ររបស់អតិថិជនជាមួយគ្នានឹងការកើនឡើងនូវការលក់នៃផលិតផលនិងសេវាកម្មថ្មីនានា។   សមាជិកយើងខ្ញុំកាត់បន្ថយនូវហានិភ័យទូទៅដែលផ្សារភ្ជាប់នឹងឥណទានសម្រាប់បុគ្គលនិងឥណទានជាកញ្ចប់ហើយទន្ទឹមពេលជាមួយគ្នាគេអាចនឹងបង្កើននូវឱកាសរកចំណូលជាមួយនឹងការយល់ច្បាស់ថា​​នៅពេលណាគេគួរបន្ថែម​ឥណទានទៅលើ​គណនីដែលផ្តល់ផលចំណេញ។​   ជាមួយនឹងការណែនាំនូវប្រព័ន្ធស្វ័យប្រវត្តិទៅក្នុងដំណើរការអនុម័ត​ឥណទាន​សមាជិកយើងខ្ញុំអាចកាត់បន្ថយចំណាយពាក់ព័ន្ធលើដំណើរការអនុម័ត​ឥណទាន​ដែលទន្ទឹមនឹងនោះក៏អាចកាត់បន្ថយផងដែរនូវពេលវេលាចំណាយក្នុងការបន្ថែមឥណទាន​ទៅលើគណនីទាំងឡាយណាដែលមានហានិភ័យទាប។   អ្នកផ្តល់សេវាកម្មហិរញ្ញវត្ថុនៅកម្ពុជាតម្រូវអោយមានការអនុវត្តន៏កម្មវិធីសម្របសម្រួលកិច្ចការច្បាប់​និងការក្លែងបន្លំដើម្បី ការពារ​ចាប់រកភស្តុតាងនិងសម្រាលនូវការលួចអត្តសញ្ញាណ។​ស៊ីប៊ីស៊ីផ្តល់នូវឧបករណ៏ធ្វើនីត្យានុកូលកម្ម(បញ្ជាក់ថាពិត)ដែលតម្រូវអោយមាន ​​គំរូផ្តល់​ពិន្ទុក្លែងបន្លំ​​​ការធ្វើអត្តសញ្ញាណកម្មអតិថិជនព័ត៌មានឥណទាននិង​ឧបករណ៏សំរេចចិត្ត​ដែលជួយ​សមាជិកយើងខ្ញុំបង្កើតនូវប្រព័ន្ធផ្តល់បណ្តឹងនៃការលួចអត្តសញ្ញាណមួយ។   យើងខ្ញុំក៏ផ្តល់ជំនួយដល់សមាជិកយើងខ្ញុំក្នុងការស្វែងរកនិងត្រួតពិនិត្យសកម្មភាពដ៏​គួរអោយសង្ស័យដែលអាចបណ្តាលមកពីការលាងលុយកខ្វក់និងរាយការណ៏ពីសកម្មភាព​នេះដល់អាជ្ញាធរពាក់ព័ន្ធនៅកម្ពុជា។ http://www.creditbureaucambodia.com/khmer/component/content/63.html?task=viewFri, 16 Sep 2011 10:24:20 +0000 Management Team ក្រុមការងារផ្នែកគ្រប់គ្រង   យើងខ្ញុំកំពុងតែប្រមូលព័ត៌មាន។សូមមេត្តាវិលមកពិនិត្យនៅពេលឆាប់ៗខាងមុខនេះ​លោកអ្នកនឹងអាចទទួលបានព័ត៌មានលំអិត។ http://www.creditbureaucambodia.com/khmer/component/content/62.html?task=viewFri, 16 Sep 2011 10:23:20 +0000 Board of Directors ក្រុមប្រឹក្សាភិបាល លោក ស្រី​ ជា សេរី​ ប្រធានក្រុមប្រឹក្សាភិបាលសូមមើលប្រវត្តិរូប (http://www.linkedin.com/profile/view?id=12553938) លោក វ៉ាន់ ឆាលស៍ឈុន ក្រុមប្រឹក្សាភិបាល លោក អ៊ិន ស៊ីផាន ក្រុមប្រឹក្សាភិបាល លោក ជា ផល្លារិន ក្រុមប្រឹក្សាភិបាល លោក​​​ John Roberts ក្រុមប្រឹក្សាភិបាល សូមមើលប្រវត្តិរូប (http://www.linkedin.com/profile/view?id=11104890) លោក​ William Lim ក្រុមប្រឹក្សាភិបាល សូមមើលប្រវត្តិរូប (http://www.linkedin.com/profile/view?id=32251532) លោក សុក ស៊ីផាន់ណា អភិបាលឯករាជ្យ http://www.creditbureaucambodia.com/khmer/component/content/61.html?task=viewFri, 16 Sep 2011 10:22:45 +0000 Shareholding Structure រចនាសម្ព័ន្ធភាគទុនិក រចនាសម្ព័ន្ធភាគទុនិកនៃក្រេឌីតប្យូរ៉ូ​ហូលឌិញ(ក​​ម្ពុជា​​)​អ៊ិលធីឌី ដែល​បង្កើតជា៥១%​នៃភាគ ហ៊ុននៅក្នុងស៊ីប៊ីស៊ីទាំងមូលមានដូចតទៅ សមាគមន៏ធនាគារកម្ពុជា​៣០%​សូមមើលគេហទំព័រ​ ABC (http://www.abc.org.kh) សមាគមន៏មីក្រូហិរញ្ញវត្ថុកម្ពុជា១០% សូមមើលគេហទំព័រ​ CMA (http://www.cma-network.org) ធនាគារអេស៊ីលីដា៥% សូមមើលគេហទំព័រ Acleda Bank (http://www.acledabank.com.kh/) ធនាគារសហពាណិជ្ជ​៥% សូមមើលគេហទំព័រ​ Union Commercial Bank (http://www.ucb.com.kh) ធនាគារពាណិជ្ជទីមួយ១% សូមមើលគេហទំព័រ​ First Commercial Bank (https://www.firstbank.com.tw/en_index.html) ចំណែកឯ៤៩%នៃក្រុមហ៊ុនត្រូវបានកាន់កាប់ដោយ VEDA Advantage Cambodia Holdings Pte Limitedដែលជាផ្នែកនៃ VEDA។សូមមើលគេហទំព័រVEDA (http://www.veda.co.nz/) http://www.creditbureaucambodia.com/khmer/component/content/60.html?task=viewFri, 16 Sep 2011 10:05:58 +0000 CBC's Mission បេសកម្មយើងខ្ញុំ   បេសកម្មរបស់ស៊ីប៊ីស៊ីគឺជម្រុញការរីកចម្រើន​នៅកម្ពុជាដោយលើកទឹកចិត្តអោយមានការសុំ​កម្ចី​​​​និង​​ការផ្តល់កម្ចីប្រកប​ដោយ​​​​ភាពទទួលខុសត្រូវនៅក្នុងសេដ្ឋកិច្ចកម្ពុជា។   សមត្ថភាពរាយការណ៏ឥណទានដែលត្រឹមត្រូវនិងជឿទុកចិត្តបានមួយគឺជាមូលដ្ឋានគ្រឹះនៃ​លំនឹងហិរញ្ញវត្ថុការអភិវឌ្ឍន៏និងពិពិធកម្មសេដ្ឋកិច្ចនៃព្រះរាជាណាចក្រកម្ពុជា។   ជាមួយនឹងសមត្ថភាពមួយដែលមានលំនឹងនិងអាចប្រើប្រាស់បានសម្រាប់ធ្វើរបាយការណ៏​ឥណទានអ្នកធ្វើវិនិយោគកាត់បន្ថយហានិភ័យពាក់ព័ន្ធនឹងការវិនិយោគនៅក្នុងធុរកិច្ចកម្ពុជា។​​នេះជួយបង្កើនមូលធនក្នុងស្រុកនិងបរទេសដែលបានវិនិយោគទៅក្នុងសេដ្ឋកិច្ចកម្ពុជានិង​ជួយបង្កើតនូវការងារបន្ថែមនិងឱកាសធ្វើធុរកិច្ចនៅក្នុងព្រះរាជាណាចក្រកម្ពុជា។   បេសកម្មយើងខ្ញុំគឺផ្តល់ព័ត៌មានឥណទានត្រឹមត្រូវទាន់ហេតុការណ៏ដល់ធុរកិច្ចកម្ពុជានិង​អ្នកប្រើប្រាស់ដោយកាត់បន្ថយនូវហានិភ័យនៃការផ្តល់កម្ចីសម្រាប់ធុរកិច្ចដែលទនឹ្ទមនឹងនេះធ្វើអោយអ្នកខ្ចីបែបប្រើប្រាស់បុគ្គលនិងធុរកិច្ចកម្ពុជាកាន់តែច្រើនឡើងអាចទទួលបានមូលធន។ http://www.creditbureaucambodia.com/khmer/component/content/59.html?task=viewFri, 16 Sep 2011 10:04:35 +0000 About Us អំពីយើងខ្ញុំ ក្រេឌីតប្យូរ៉ូ​ក​​ម្ពុជា​(ស៊ីប៊ីស៊ី)គឺជាអ្នកឈានមុខគេក្នុងការផ្តល់ព័ត៌មាន​ឧបករណ៏វិភាគ​និង​​​​​​​​សេវាកម្ម​​​រាយការណ៏ឥណទានដល់ស្ថាប័ននិងអ្នកប្រើប្រាស់នានានៅក្នុងព្រះរាជាណា​ចក្រកម្ពុជា។   ស៊ីប៊ីស៊ីជួយអតិថិជនយើងខ្ញុំក្នុងការគ្រប់គ្រងហានិភ័យនិងរង្វាន់នៃការសម្រេចចិត្តនានាផ្នែកពាណិជ្ជកម្មនិងហិរញ្ញវត្ថុ។ជាមួយនឹងការប្រើប្រាស់ឧបករណ៏រាយការណ៏ឥណទានដែលគ្រប់ជ្រុងជ្រោយយើងខ្ញុំជម្រុញអោយយល់ដឹងកាន់តែប្រសើរឡើងអំពីបុគ្គលទីផ្សារនិងសេដ្ឋកិច្ច​កម្ពុជា។យើងខ្ញុំជួយស្ថាប័ននានាស្វែងរកបង្កើតនិងគ្រប់គ្រងទំនាក់ទំនងអតិថិជនដើម្បីរកបានផលចំណេញសម្រាប់ធុរកិច្ចរបស់គេ។   ស៊ីប៊ីស៊ីជម្រុញអោយលំនឹងសេដ្ឋកិច្ចកាន់តែប្រសើរឡើងដោយផ្តល់នូវទិន្នន័យត្រឹមត្រូវនិងទាន់ហេតុការណ៏ដល់អ្នកប្រើប្រាស់និងឧស្សាហកម្មដែលជួយក្នុងការគ្រប់គ្រងផ្នែកហិរញ្ញវត្ថុនៃធុរកិច្ចរបស់គេ។យើងខ្ញុំជួយធុរកិច្ចនៅកម្ពុជាក្នុងការគ្រប់គ្រងហានិភ័យនៃឥណទានការពារការក្លែងបន្លំនិងការធ្វើសេចក្តីសម្រេចចិត្តដោយស័្វយប្រវតិ្ត។ស៊ីប៊ីស៊ីក៏ជួយផងដែរដល់ប្រជាពលរដ្ឋកម្ពុជាក្នុងការត្រួតពិនិត្យនូវរបាយការណ៏ឥណទានរបស់ពួកគេដើម្បីធានាថាគេអាចទទួល​បានកម្ចីនិងហិរញ្ញវត្ថុ។យើងខ្ញុំក៏ជួយផងដែរដល់អ្នកបុគ្គលប្រើប្រាស់អោយចេះការពារខ្លួនពី​ការក្លែងបន្លំអត្តសញ្ញាណ។ http://www.creditbureaucambodia.com/khmer/component/content/58.html?task=viewFri, 16 Sep 2011 10:00:46 +0000