administrative credit panel data, we show that the payment pause led to a sharp drop in student loan payments and delinquencies for … borrowers subject to the debt moratorium, as well as an increase in credit scores. We find a large stimulus effect, as borrowers … to increase borrowing on credit cards, mortgages, and auto loans rather than avoid delinquencies. The effects are …

? liquidity constraints. We also demonstrate that increasing the rate of inflation can be welfare improving when credit rationing …

bank and a crowdlending platform and show that the entry of crowdlending can induce a switching effect as well as a credit …

sector; the impacts of access to credit and other financial services; the impacts of business training; barriers to hiring …

Small businesses (SMEs) depend on banks for credit. We show that the severity of the Eurozone crisis was worse in …