Naslov
The Importance of Credit Bureaus For Banking Systems and Credit Activity

Autori
Bogdan, Željko ; Vizek, Maruška

Vrsta, podvrsta i kategorija rada
Radovi u zbornicima skupova, cjeloviti rad (in extenso), znanstveni

Izvornik
3rd International Conference An Enterprise Odyssey: Integration or Disintegration / Lovorka Galetić - Zagreb : Ekonomski fakultet Sveučilišta u Zagrebu, 2006, 584-595

ISBN
953-6025-17-5

Skup
An Enterprise Odyssey: Integration or Disintegration

Mjesto i datum
Zagreb, Hrvatska, 15.06.2006. - 17.06.2006

Vrsta sudjelovanja
Predavanje

Vrsta recenzije
Međunarodna recenzija

Ključne riječi
credit bureaus; information sharing; banking; credit; interest rate

Sažetak
The most recent literature highly stresses the importance of credit bureaus being an institutional arrangement for dealing with information asymmetries inherent to banking system. Information sharing trough credit bureaus improves the pool of borrowers and decreases default rates. Moreover, in developing countries the availability of information provided by credit bureaus can effectively induce changes in banks’ lending policies, shifting from a collateral-based lending policy to an information-based one. However, although all the models predict that information sharing (either in form of public or private credit bureaus) reduces default rates, the prediction concerning its effect on lending and interest rates is less clear-cut. Therefor, we use statistical tools in order to estimate weather the existence of credit bureaus might have statistically significant influence on lending activity and interest rates in sample of countries that include CEE countries.

Izvorni jezik
Engleski

Znanstvena područja
Ekonomija

POVEZANOST RADA