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22대 대한민국 국회 국회정보길라잡이 국회의원검색
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Title page 1

Contents 5

ACKNOWLEDGEMENTS 6

EXECUTIVE SUMMARY 7

1. BACKGROUND & CONTEXT 9

2. METHODOLOGY OVERVIEW 12

3. INDUSTRY OVERVIEW & BASIC PRACTICES 14

4. SEX-DISAGGREGATED DATA PRACTICES 18

5. CHALLENGES AND SOLUTIONS 21

6. TRADITIONAL CREDIT SCORING FOR WSMES 26

7. ALTERNATIVE DATA ADOPTION AND IMPACT 31

8. REGULATORY FRAMEWORK ANALYSIS 34

9. KEY FINDINGS SUMMARY 36

10. POLICY & PRACTICAL RECOMMENDATIONS 38

Figures 13

Figure 1. Distribution of Financial Service Providers Interviewed 13

Figure 2. Type of Financial Service Providers interviewed 15

Figure 3. Use of different scoring approaches by provider type and region 16

Figure 4. Is your organization subject to any legal obligations, such as quotas or lending requirements, that mandate a specific percentage... 16

Figure 5. Is your organization subjected to any indirect interventions (e.g., prudential ratios or incentives) to impact SME lending? 17

Figure 6. Share of FSPs disaggregate their lending portfolio by sex of borrower 19

Figure 7. Type of financial product with sex-disaggregation by type of provider 19

Figure 8. WSME representation in lending portfolios 20

Figure 9. Top 5 challenges faced when catering to SMEs 22

Figure 10. Initiatives explored to better meet the financial needs of women clients 23

Figure 11. Share of female staff involved in the lending decisioning process 24

Figure 12. Top variables included in the scorecard for SMEs, by provider type 27

Figure 13. Type of collateral accepted 27

Figure 14. What type of collateral do you typically accept? 28

Figure 15. Top five greatest challenges for WSMEs when obtaining credit vs Eased requirements for WSMEs 30

Figure 16. Use alternative data in your credit scoring practices 32

Figure 17. Reasons to not use alternative data 32

Figure 18. Top alternative data sources used for credit scoring of SME applicants 33

Figure 19. Regulations related to alternative data or automatic credit scoring 35

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