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This submission addresses these issues in greater detail and, more specifically, responds to Part G of the ALRC Discussion Paper 72 (DP72) which addresses the credit reporting provisions of the Privacy Act. The ALRC proposes that Part IIIA of the Privacy Act 1988 be repealed and that instead,...
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This paper analyzes the effects of bank mergers on bank-firm relationships. Using matched bank-firm level data, I find … positive effects of mergers for borrowers that continue the lending relationship with the consolidated bank. On average …
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"Powell, Mylenko, Miller, and Majnoni analyze how data in public credit registries can be used both to strengthen bank …, including in calculations of credit risk for capital and provisioning requirements, or as a check on a bank's internal ratings … the Caribbean Region--is part of a larger effort in the region to analyze the effects of bank capital regulation …
Persistent link: https://www.econbiz.de/10010522892
The authors analyze how data in public credit registries can be used both to strengthen bank supervision and to improve … calculations of credit risk for capital and provisioning requirements, or as a check on a bank's internal ratings for the Basel II …
Persistent link: https://www.econbiz.de/10012559895
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credit, credit information sharing on bank stability. We document several significant findings. First, our evidence implies … that fintech credit tends to improve bank stability. This suggests that as fintech credit grows, it certainly competes with … banks, but it also strengthens banks' stability. Second, credit information sharing increases bank stability. Thirdly, it is …
Persistent link: https://www.econbiz.de/10014436289
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Does enhancing banks' information sets and understanding of credit risks improve loan loss recognition? We study this question using a global dataset of staggered initiations and coverage increases of public credit registries (PCRs). Mandated by national regulators, PCRs collect borrower and...
Persistent link: https://www.econbiz.de/10012901927