 The Bangko Sentral ng Pilipinas (BSP), in partnership with the Japan International Cooperation Agency (JICA), has launched the Credit Risk Database Philippines Web-based Scoring System (CRDPh System). It aims to help financial institutions (FIs) assess the creditworthiness of small and medium enterprises (SMEs). The online platform, launched on 29 July 2025, generates credit scores and default probabilities using anonymized financial and non-financial data from participating FIs. This enables faster and more accessible SME loan assessments without the need for standalone software installations.
By providing an additional tool for approving and pricing SME loans, the CRDPh System addresses the “missing middle,” referring to SMEs that are too large for microfinance but too small for traditional commercial banks. Aside from enhancing credit risk management, the system will provide policymakers with benchmark statistics and data to guide SME financing measures. |
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