GCD's Mission is to help banks understand and model credit risks. The comprehensive data pools are collected over a decade and distributed back to members for their own research and modelling.

 

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GCD is a unique data consortium that owns banks internal data for both PD and LGD. GCD’s data pools support the key parameters of banks’ credit risk modelling: Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD).

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GCD’s library gives access to wide variety of publications on risk related topics. Global Credit Data members work together to analyse the data and discuss methodology issues. GCD has published numerous papers and is actively promoting academic research on the data collected.

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Members not only benefit from exclusive rights and access to credit databases and analytics, but also from knowledge and research facilitation possible via the unique industry association.

Through a variety of forums such as workshops, webinars and surveys, GCD is an active industry participant facilitating the discussion in key strategic areas.

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Global Credit Data collects raw data from its members and distributes it back to them for use in their own analysis and modelling. GCD supports its members by providing a flexible high-end tool on the data pool: the GCD Visual Analyzer. Member banks can create dynamic Reference Data Sets and generate instant views on the data.

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Join Global Credit Data

Your bank's membership to GCD offers you a wide range of possibilities

Members

Current members

Global Credit Data was established in December 2004 as a loose affiliation of 11 major banks. Since then membership has grown to 50+  member banks across Europe, Africa, North America, Asia and Australia. GCD Members are ‘owners’ of the association, and data, and have a prominent role in steering the strategic direction.  This ensures GCD activities are member-centric driving the ‘by banks for banks’ credo.​

How to become a member

Global Credit Data welcomes and encourages new members. Global Credit Data membership is open to any financial institution that has a demonstrable capability to collect and deliver data which is compatible with the data of other members of the association. A special emphasis lies on the compatibility of the default definition, where Global Credit Data members use the Basel III definition.
The basis of the membership agreement is to adhere to the Articles of Association and to the internal rules of the Association, called Data Pool Regulations. Only corporate bodies – in practice registered banks – can be members.

Every new member is required to participate in an assessment of their ability to supply data of the required quality to Global Credit Data prior to the approval of their application for membership by the Global Credit Data Management Board.

Why Join?

  • Access to 3 databases based on a "give-to-get principle" (your bank is providing data in exchange for getting data back)
  • Access to a long history of data for PD, LGD and EaD modelling
  • Access to detailed data, not only aggregates (which is required to build bank-specified Reference Data Set)
  • Access to a network of highly experienced risk managers
  • Access to special analytics done for members
  • Access to surveys
  • Access to working groups
  • Proven legal structure which keeps data in control of members
  • Established infrastructure for high data security
  • An organization which is built on member needs, so members can influence what they want ("member driven")
  • On this member website, GCD publishes all information relevant and accessible to its members and their delegates. You can browse there for the latest events, documents, analytics, and publications.

Contact us today about how your bank can join Global Credit Data

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