This study examines the impact of credit rating upgrades and downgrades on six comprehensive banks' asset classes …. It seems that the role of credit rating agencies as an integral part of banks' prudential supervision through market …

North American companies, we find that asset correlation tends to increase as credit quality (measured by agency ratings …

We employ a unique dataset of credit assessments for 3,756 small businesses by nine banks using an identical rating … model to examine (i) to what extent loan officers use their discretion to smooth credit ratings of their clients, and (ii … discretion to smooth clients' credit ratings: One in five rating shocks induced by changes in the quantitative assessment of a …

This paper attempts to investigate the impact of credit information sharing on bank-specific stock price crash risk …. Using a sample of 1,402 listed-banks in 55 countries for the period 2005-2013, we show that credit information sharing … through public credit registries is negatively associated with future crash risk after controlling for other predictors of …

mortgage amount granted by Chinese banks. Design/methodology/approach – This paper employs the credit scoring model to … limitations/implications – The findings in this paper argued that a good credit scoring model has the ability to detect bad loans … can apply an objective evaluation technique with a standard process and criteria to appraise their customer's credit risks …

This paper investigates the interplay of abnormal loan growth, credit reporting system and systemic risk in banking … risk one year ahead. A closer investigation further suggests that better credit information coverage and private credit … importance of strengthening credit information coverage and the role of private credit bureaus in Asian countries to mitigate the …

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 …

I examine how credit reporting affects where firms access credit and how lenders contract with them. I use within firm …-time and lender-time tests that exploit lenders joining a credit bureau and sharing information in a staggered pattern. I find … mixed effects of transparency-improving financial technologies on credit availability …