bank credit. We find that foreign banks and policy banks exercise "financial discrimination," and that local commercial … of bank credit. Our findings also have practical implications for solving the financing difficulties of non … reverse their credit decisions and begin to exercise financial discrimination against non-state-owned enterprises. At the same …

financial technology system – social credit. In recent years, loosely regulated marketplace lenders have increasingly developed … methods to rank individuals, including some traditionally considered unscored or credit-less. Specifically, some lenders built … attributes as extracted from her online footprints, and more.This Article studies the potential consequences of social credit …

We establish that a monopoly bank never uses collateral as a screening device. A pooling equilibrium always exists in … lending in the sense that some socially productive firms are denied credit due to excessively high interest rate. …