Does failure in a marriage foretell failure to repay credit? Analyzing the loan portfolio of a representative bank, we …

entry of a remote, specialized lender to estimate the impact of specialized lending on credit access. Entry significantly … can deepen credit markets by providing new loans to low-risk but underfinanced small businesses …

There is little evidence on how the large market for credit score improvement products affects consumers or credit … market efficiency. A randomized encouragement design on a standard credit builder loan (CBL) identifies null average effects … on whether consumers have a credit score and the score itself, with important heterogeneity: those with loans outstanding …

Analysis of bank lending surveys in the USA and Europe and their predictive power in credit creation and subsequent GDP … are better predictors of credit in the economy and GDP growth than in the USA. This seem to be caused by greater reliance … system. Therefore, analysis of surveys based on approximately 60 banks is simply insufficient to determine overall credit …

To analyze whether the occurrence of elections affects access to credit for firms, we perform an investigation using … firm-level data covering 44 developed and developing countries. The results show that elections impair access to credit …. Specifically, firms are more credit-constrained in election years and pre-election years as elections exacerbate political …

This paper investigates how credit information sharing affects corporate trade credit. Utilizing the difference …-in-difference method, we find that infra-marginal bank borrowers significantly reduce their trade credit after the introduction of the … Chinese National Enterprise Credit Information Publicity System (NECIPS), a groundbreaking public credit registry in China …

traditional loan pricing model, this new proposed one, requiring lower loan interest rates from customers with higher credit … rating, while higher loan interest rates from customers with lower credit rating, could thus be able to provide higher risk …