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"Credit reporting is a critical part of the financial system in most developed economies but is often weak or absent in developing countries. It addresses a fundamental problem of credit markets: asymmetric information between borrowers and lenders that can lead to adverse selection and moral hazard. The heart of a credit report is the record it provides of an individual's or a firm's payment history, which enables lenders to evaluate credit risk more accurately and lower loan processing time and costs. Credit reports also strengthen borrower discipline, since nonpayment with one institution results in sanctions with others." "This book provides the first comprehensive review of credit reporting systems worldwide and documents the rapid growth in the industry. It offers empirical and theoretical evidence of the impact of credit reporting on financial markets, using examples from both developed and developing economies. Credit reporting, it shows, significantly contributes to predicting default risk of potential borrowers, which promotes increased lending activity. The book also covers the role of public policy in the development of credit reporting initiatives, including the role of public credit registries managed by central banks; and the role of legal, regulatory, and institutional factors in supporting credit reporting."--Jacket.

Credit bureaus --- Consumer credit --- Credit --- Credit information services --- Credit reporting agencies --- Mercantile agencies --- Consumer debt --- Information services

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Export credit - Information services - Handbooks, manuals, etc. --- Investments, Foreign - Information services - Handbooks, manuals, etc. --- International finance - Information services - Handbooks, manuals, etc. --- International trade - Information services - Handbooks, manuals, etc.

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"There are a variety of regulatory mandates and industry guidelines that impact information security, but none have the virtually universal scope of PCI DSS (Payment Card Industry Data Security Standard). Every business around the world that accepts, processes, transmits, or stores credit card data is subject to compliance with PCI DSS"--

Computer networks - Security measures. --- Computer networks -- Security measures. --- Credit cards. --- Data protection - Standards. --- Data protection -- Standards. --- Liability for credit information. --- Data protection --- Computer networks --- Credit cards --- Liability for credit information --- Engineering & Applied Sciences --- Computer Science --- Standards --- Security measures --- Standards. --- Security measures. --- Information Technology --- General and Others --- Credit information, Liability for --- Credit bureaus --- Cards, Charge --- Cards, Credit --- Charge cards --- Consumer credit --- Point-of-sale systems industry --- Charge accounts --- Computer network security --- Network security, Computer --- Security of computer networks --- Computer security --- Data governance --- Data regulation --- Personal data protection --- Protection, Data --- Electronic data processing --- Law and legislation

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The global financial crisis has given greater credence to the idea that active state involvement in the financial sector can be helpful for stability and development. There is now evidence that, for example, lending by state-owned banks has helped in mitigating the impact of the crisis on aggregate credit. But evidence also points to negative longer-term effects of direct interventions on resource allocation and quality of intermediation. This suggests a need to rebalance the state's roles from direct to less direct involvement, as the crisis subsides. The state does have very important roles, especially in providing well-defined regulations and enforcing them, ensuring healthy competition, and strengthening financial infrastructure. One of the crisis lessons is the importance of getting the basics right first: countries with complex but poorly enforced regulations suffered more during the global crisis. Evidence also suggests that instead of restricting competition, the state needs to encourage contestability through healthy entry of well-capitalized institutions and timely exit of insolvent ones. There is also new evidence that supports the state's key role in promoting transparency of information and reducing counterparty risk. The challenge of financial sector policies is to better align private incentives with public interest, without taxing or subsidizing private risk-taking.

Access to Finance --- Banks & Banking Reform --- Competition policy --- Credit information sharing --- Debt Markets --- Emerging Markets --- Finance and Financial Sector Development --- Financial infrastructure --- Financial Intermediation --- Financial sector --- Government policy --- Macroeconomics and Economic Growth --- Regulation and supervision --- State-owned financial institutions

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Identity theft has been steadily rising in recent years, and credit card data is one of the number one targets for identity theft. With a few pieces of key information. Organized crime has made malware development and computer networking attacks more professional and better defenses are necessary to protect against attack. The credit card industry established the PCI Data Security standards to provide a baseline expectancy for how vendors, or any entity that handles credit card transactions or data, should protect data to ensure it is not stolen or compromised. This book will provide the infor

Data protection --- Computer networks --- Credit cards. --- Liability for credit information. --- Standards. --- Security measures. --- Credit information, Liability for --- Cards, Charge --- Cards, Credit --- Charge cards --- Computer network security --- Network security, Computer --- Security of computer networks --- Data governance --- Data regulation --- Personal data protection --- Protection, Data --- Credit bureaus --- Consumer credit --- Point-of-sale systems industry --- Charge accounts --- Computer security --- Electronic data processing --- Law and legislation --- Information Technology --- General and Others