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

• 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

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Quality Recognition

• 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

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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

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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

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Client Base

• 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 1000 agreements)

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Credit technology Development

• 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

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