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Schufa Holding AG ((ドイツ語:Schutzgemeinschaft für allgemeine Kreditsicherung); English: ''Protection company for general creditworthiness'') is a German private credit bureau supported by creditors. It has its headquarters in Wiesbaden, the capital of Hesse, Germany. Schufa's purpose is to protect its clients from credit risks. It also offers protection from insolvency to borrowers. Schufa has 479 million records on 66.2 million natural persons,〔(Yearly report for SCHUFA Holding AG 2010 ) (pdf, 1,0 MB)〕 amounting to about three-quarters of the German population. Schufa processes more than 102.9 million credit checks each year. Of those, 1.5 million are self-checks by citizens. Schufa employs 752 people (as of 2010). In 2009 it took in 1.9 million Euros (about $2.5 million USD) in revenue from ordinary activities and a total of nearly 108 million Euros (about $150 million USD).〔 Former finance senator Michael Freytag has been board chairman of Schufa Holding AG since 1 November 2010.〔(''http://www.spiegel.de/wirtschaft/unternehmen/0,1518,724242,00.html'' spiegel.de 20 Oktober 2010 )〕 The chairman of the supervisory board is Alexander Boldyreff.〔(''http://www.schufa.de/de/private/presse/aktuellepressemitteilungen/120704.jsp'' www.schufa.de 9 Oktober 2012 )〕 == History == At the beginning of the 20th century, the Berlin city electric company (BEWAG) offered household appliances for sale on installment plans. At the time, the financing was compared with electric bills and only regularly paying customers would be supplied with appliances.〔(Geschichte der SCHUFA - Schutzgemeinschaft für allgemeine Kreditsicherung )〕 This started a system for assessing payment behavior. With the experience they gained from BEWAG, Walter and Kurt Meyer, along with Robert Kauffmann established the ''ドイツ語:Schutzgemeinschaft für Absatzfinanzierung'' (English: ''Protection society for sales financing'') in 1927. Soon after, 13 more regional credit bureaus were formed in Germany. In 1952, the 13 West German credit bureaus were merged into ''Bundes-Schufa e. V.'' ''Bundes-Schufa e. V.'' changed its name in 2000 to ''Schufa Holding AG'' and in 2002 acquired the shares of the 8 regional credit bureaus. The board of ''Schufa Holding AG'' is made up of three members, and the supervisory board has 9 members, 3 of which are Schufa employees. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Schufa」の詳細全文を読む スポンサード リンク
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