How does credit information sharing shape bank loans?

IF 2.9 3区经济学 Q1 ECONOMICS

Quarterly Review of Economics and Finance Pub Date : 2024-03-11 DOI:10.1016/j.qref.2024.03.004

Celia Álvarez-Botas, Víctor M. González

引用次数: 0

Abstract

This paper analyzes the influence of credit information sharing on how banks set the terms of bank loans and the ownership of the loans. Using a sample of 23,341 bank loans in 44 countries during the period 2005–2019 we examine how interest rates, collateral, maturity, amounts, and ownership of bank loans are influenced by the degree of penetration of credit bureaus and public credit registries. The results show that credit information sharing decreases interest rate spread for high-quality borrowers and decreases loan maturity. Moreover, the amount of credit is negatively affected by the degree of coverage by registries. Finally, we find evidence in line with credit information sharing increasing loan ownership concentration.

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信用信息共享如何影响银行贷款？

本文分析了信用信息共享对银行如何设定银行贷款条款和贷款所有权的影响。我们以 2005-2019 年间 44 个国家的 23,341 笔银行贷款为样本，研究了征信机构和公共信用登记处的渗透程度如何影响银行贷款的利率、抵押品、期限、金额和所有权。结果显示，信用信息共享会降低优质借款人的利率差，并缩短贷款期限。此外，信贷额度受登记机构覆盖程度的负面影响。最后，我们发现了与信用信息共享提高贷款所有权集中度相一致的证据。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Quarterly Review of Economics and Finance ECONOMICS-

CiteScore

6.00

自引率

2.90%

发文量

118

期刊介绍： The Quarterly Review of Economics and Finance (QREF) attracts and publishes high quality manuscripts that cover topics in the areas of economics, financial economics and finance. The subject matter may be theoretical, empirical or policy related. Emphasis is placed on quality, originality, clear arguments, persuasive evidence, intelligent analysis and clear writing. At least one Special Issue is published per year. These issues have guest editors, are devoted to a single theme and the papers have well known authors. In addition we pride ourselves in being able to provide three to four article "Focus" sections in most of our issues.