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United Nations Conference on Trade and Development - UNCTAD

United Nations Conference on Trade and Development - UNCTAD EXPERTS MEETING ON IMPROVING THE COMPETITIVENESS OF SMEs IN DEVELOPING COUNTRIES: Role of Finance, Including E-Finance to Enhance Enterprise Development Geneva, Palais des Nations , 22-24 October 2001.

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United Nations Conference on Trade and Development - UNCTAD

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  1. United Nations Conference on Trade and Development - UNCTAD EXPERTS MEETING ON IMPROVING THE COMPETITIVENESS OF SMEs IN DEVELOPING COUNTRIES: Role of Finance, Including E-Finance to Enhance Enterprise Development Geneva, Palais des Nations, 22-24 October 2001

  2. PRESENTATION SUBMITTED BY MR. ROBERTO BEDRIKOW (LEGAL MANAGER)

  3. Created by 87 banks operating in Brasil in June 26, 1968 Legal basis for its business operations Law that defines the criteria and rules for the creation and functioning of companies incorporated by common shares Constitution of Brasil - art. 5, XXXII and art. 170 Consumer Protection Law, Law n. 8078 - art. 43 Scope of Activities Information Solutions offerings through data gathering, validation, analysis and creation of value added information Provision of a centralised infrastructure of credit and information technology Centralisation of Services Quality as a strategic direction to attain business objectives Huge data base covering all economic agents operating in Brazil SERASA

  4. Quality Program SERASA initiated in 1991 Brazilian National Quality Award 1995 and 2000( US Malcon Baldrige equivalent ) World Class Company ISO 9000 implemented for three product lines( CONCENTRE, CREDIT BUREAU and ACHEI-RECHEQUE ) Permanent Commitment with Excellency Quality Recognition

  5. Data Base Contents • 26 million Data Base Entries collected from Public Sources ( Notaries) • 78 million Cheques without Funds ( Collected from The Brazilian Central Bank ) • 108 million Cheques with problems ( lost,stolen, stopped, cancelled ) • 24 million outstanding Debts overdue and not paid, informed by banks and businesses through service agreements • 40 million retail credit operations based on pre-dated cheques • 4,5 million data entries on Business Companies • 116 million data entries on individuals • 20 million confirmed addresses for retail consumers • 20 thousand Conglomerate Groups identified

  6. OPERATIONAL DIMENSION • 130 Branches and advanced points of presencethrough Brazil • 1800 employess (SER SERASA) highly trained in processes and information handling • 200 thousand on-line access points providing national coverage and wide information distribution • 35 million inquiries per month through terminals, PCs, Host x Host, Fax on demand, Voice on demand, Internet • 4 Mainframes (IBM 9672), 1.200 mips, 10,8 terabytes1220 communication ports ( permanent and dialled lines ), 2 internet connections ( 4Mbits), 2 frame relay connections (512Kbits) • 143 Servers ( NT and Unix), 1775 PCs in Corporate Network

  7. CLIENTS All Financial Institutions Companies: Commercial, Industrial and Services (300,000 direct and indirect ) 44,000 direct active clients PARTNERSHIPS Class Representatives - Associations, Unions, Chambers of Commerce (more than 1000agreements) Client Base

  8. Internal area permanently focused on the research and development of new credit technologies Partnering with renowned Institutions FGV - Fundação Getulio Vargas - Brazil RMA - Robert Morris Associates - USA ICM - Institute of Credit Management - UK PACE University - USA NYU - USA National American Credit Managers - USA CRIF Service - Italy Credit technology Development

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