信用评分迁移对次级汽车贷款和信用卡拖欠的影响

FEDS Notes Pub Date : 2024-01-01 DOI:10.17016/2380-7172.3419

John C. Driscoll, Jessica N. Flagg, Bradley Katcher, Kamila Sommer

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引用次数: 0

摘要

在大流行病的早期阶段，收入支持和暂缓偿付计划使整个信用评分分布中的借款人的消费贷款拖欠率降至接近历史最低水平。然而，自 2021 年下半年以来，拖欠率有所上升，到 2023 年第三季度，汽车贷款和信用卡贷款的总体拖欠率已超过疫情爆发前的水平。

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The Effects of Credit Score Migration on Subprime Auto Loan and Credit Card Delinquencies

In the early stages of the pandemic, income support and forbearance programs led consumer loan delinquency rates to fall to near-record lows for borrowers across the credit score distribution. Since the second half of 2021, however, delinquency rates have risen, and by 2023:Q3, overall rates for auto and credit card loans had risen above their pre-pandemic levels.

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FEDS Notes

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