The benefits of such a premium are not merely in terms of warding off risks but also in terms of better credit rating and finer spreads that many private participants may get while contracting debt. The costs of comfort level in reserves are often met by some benefits, but both are difficult to measure, in financial or economic, and in quantitative terms.
The banking ID card that all banking customers received a few days ago is an important measure in this area. The credit information database is expected to provide a complete solution to this issue. The database will serve as an additional tool in increasing competition and expanding access to credit while reducing the discrimination derived from a lack of information.