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Credit Risk Report (CRR)
 
The Credit Risk Report (CRR) is provided to Financial Institution and Credit Grantor members to assist them in reviewing their potential or existing customer's credit standing and rating.

This report is designed to assist Financial Institutions and Credit Grantors strengthen their credit risk management and improve turnaround time for credit evaluation. This is possible through the availability of comprehensive and reliable credit information and ratings within a single report. The information in the report may also be used as value added inputs to the Financial Institution's rating scorecard engine and complements their internal rating systems.

The report contains:

1. SME Credit Risk Rating [-]
The Bureau's Probability of Default (PD) provides an indicator of your customer's capability in servicing their payment commitments within the next 12 months.

Through our Percentile Ranking you will know your customer's credit standing as compared to the other SMEs in Malaysia.

The Bureau's rating is a highly predictive and effective tool that can help financiers and credit grantors quickly assess a SME's credit standing, by collating key information of the company's performance and payment history to provide an overall evaluation of the SME's credit worthiness.
2. Registry Information (information is Bi-Monthly updated) [-]
The Registry Information is obtained directly from a credible data source - Suruhanjaya Syarikat Malaysia (SSM), for you to review your prospective customer's business registry data. It provides you with a comprehensive view of the business and financial information, so you can evaluate whether to pursue the business opportunity or approve the credit application.

The Registry Information consists of the following:
  • Company Profile
  • Company Owner/Partners/Directors/Officers
  • Share Capital
  • Shareholder
  • Charge Details (if applicable)
  • Financial Statement (if available)
3. SME's Banking Credit Information [-]
The Banking Credit Information is obtained directly from a credible data source - Bank Negara Malaysia (BNM)'s Central Credit Reference Information System (CCRIS) as reported by Financial Institutions.

The Banking Credit Information provides details of the company's banking credit facilities and the conduct of payment for these facilities over the last 12 months. As such, FIs and Credit Grantors are able to review their customer's banking credit information and evaluate the payment track record before extending credit or loan approvals.

The availability of this information is subject to FIs and Credit Grantors obtaining the necessary consent from the company/business.
4. Owner/Partners/Directors' Banking Credit Information [-]
The Owner/Partners/Directors' Banking Credit Information is obtained directly from a credible data source - Bank Negara Malaysia (BNM)'s Central Credit Reference Information System (CCRIS) as reported by Financial Institutions.

This is a value add information provided to FIs and Credit Grantors to enable credit evaluation of SMEs to include their owner/partners/directors. The Banking Credit Information provides details of the owner/partners/directors' banking credit facilities and the conduct of payment for these facilities over the last 12 months.

The availability of this information is subject to FIs and Credit Grantors obtaining the necessary consent from the respective owner/partners/directors.
5. Dishonoured Cheques [-]
The Dishonoured Cheque information is obtained directly from a credible data source - Bank Negara Malaysia (BNM)'s Dishonoured Cheque Information System (DCHEQS) as reported by Financial Institutions.

The Dishonoured Cheque information provides details of any dishonoured cheque issued by the company/business over the last 2 years.
6. Trade Credit Data [-]
The Trade Credit Data is provided by other members of The Bureau such as suppliers, telcos, utility providers and other credit grantors on both positive and negative conduct of payments in their dealings with SMEs. From the trade credit records, the company's payment behavior for a broader range of business transactions may be used by FIs and Credit Grantors to gain better understanding of their customer's credibility and further improve their credit evaluation efficiency.
7. Enquiry Details [-]
The Enquiry Details displays the previous enquiries made on your prospective customer's credit report by The Bureau's members (Financial Institutions, Credit Grantors and SME members). This information provides you with an awareness of the credit checks performed on the company and the purpose of those enquiries.

What is a Credit Risk Report (CRR)?
  • This is one of the core reports available from The Bureau.
  • CRR is aimed to enhance our value proposition as a ONE STOP provider
  • CRR can only be provided to Financial Institutions and Credit Grantors who have obtained customers' consent because it contains banking credit information. Dissemination of such information is restricted by banking legislations in Malaysia.
  • CRR provides a deeper insight on credit worthiness to enable Financial Institutions and Credit Grantors make more informed decisions to minimize risk and maximize revenue.


Why Financial Institutions and Credit Grantors should utilize this report?
  • It is a one stop source for comprehensive and credible SME credit information and ratings.
  • The SME Credit Risk Ratings provides a highly predictive rating tool that helps to perform a quick assessment of an SME's credit worthiness.
  • It is a convenient and hassle-free tool to determine the risk profile of an SME in a timely manner.
  • Competitively priced compared to other similar and multi-sources of information.


CRR vs CRR Premium (CRR-P) vs CRR Lite (CRR-L)

 Comparison Table for CRR vs CRR Premium (CRR-P) vs CRR Lite(CRR-L)
 No.  The report contains  CRR  CRR-P  CRR-L
 1  SME Credit Risk Rating  √  √  √
 2  Registry Information  √
(Bi-Monthly Update)
 √
(Latest Update)
 -
 3 SME's Banking Credit Information  √  √  √
 4 Owners/Partners/Directors' Banking Credit Information  √  √  √
 5 Dishonoured Cheque  √  √  √
 6  Trade Credit Data  √  √  √
 7  Enquiry Details  √  √  √
     


Who can purchase CRR?
  • The Bureau members (Financial Institutions and Credit Grantors only)


What are the available channels to purchase CRR?
  • Business to Business or B2B (Most Recommended)
    B2B provides the most effective and efficient channel to obtain the report from The Bureau. With B2B, Financial Institutions and Credit Grantors are able to purchase in bulk for optimized processing and integrate directly to other internal business systems, such as Loan Origination System (LOS) for 'straight through processing'. This also minimizes the need for human intervention and provides a highly automated, end-to-end processing of credit application. The key benefit is faster turnaround time, translating to lower cost and more satisfied customers.

    Please contact The Bureau's Account Relationship Managers or call us at our hotline 03-7806 8080 for more details.

  • Online
    Buy and extract your CRR easily through our online system. There are no IT hardware or software requirements, just access through your web browser.

    4 simple steps for The Bureau members to purchase CRR online



 
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