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Credit Reporting Systems and the International Economy信贷报告系统与国际经济书籍详细信息
- ISBN：9780262134224
- 作者：暂无作者
- 出版社：暂无出版社
- 出版时间：2003-04
- 页数：465
- 价格：461.10
- 纸张：铜版纸
- 装帧：精装
- 开本：16开
- 语言：未知
- 丛书：暂无丛书
- TAG：暂无
- 豆瓣评分：暂无豆瓣评分
内容简介：
Credit reporting is a critical part of the financial system in most developed economies but is often weak or absent in developing countries. It addresses a fundamental problem of credit markets: asymmetric information between borrowers and lenders that can lead to adverse selection and moral hazard. The heart of a credit report is the record it provides of an individual's or a firm's payment history, which enables lenders to evaluate credit risk more accurately and lower loan processing time and costs. Credit reports also strengthen borrower discipline, since nonpayment with one institution results in sanctions with others.
This book provides the first comprehensive review of credit reporting systems worldwide and documents the rapid growth in the industry. It offers empirical and theoretical evidence of the impact of credit reporting on financial markets, using examples from both developed and developing economies. Credit reporting, it shows, significantly contributes to predicting default risk of potential borrowers, which promotes increased lending activity. The book also covers the role of public policy in the development of credit reporting initiatives, including the role of public credit registries managed by central banks; and the role of legal, regulatory, and institutional factors in supporting credit reporting.
书籍目录：
Foreword vii
Acknowledgments
Introduction
Margaret J. Miller
I Institutional Arrangements for Credit Reporting
1 Credit Reporting Systems around the Globe: The State of the
Art in Public Credit Registries and Private Credit Reporting
Firms
Margaret J. Miller
2 Public Credit Information: A European Perspective
Tullio Jappelli and Marco Pagano
3 Credit Reporting Agencies: A Historical Perspective
Rowena Olegario
II The Role of Credit Reporting Data in Financial Systems
4 Credit Information and Market Performance: The Case of
Chile
Kevin Cowan and Jose De Gregorio
5 Private Business Information Exchange in the United
States
Jarl G. Kallberg and Gregory F. Udell
6 The Use of Public Credit Registry Information in the
Estimation of Appropriate Capital and Provisioning
Requirements
Falkenheim and Andrew Powell
7 Relationship Lending in the Argentine Small Business Credit
Market
Allen N. Berger, Leora F. Klapper, Margaret J. Miller, and
Gregory F. Udell
III The Impact of Public Policies on Credit Reporting
8 The Value of Comprehensive Credit Reports: Lessons from
the U.S. Experience
John M. Barron and Michael Staten
9 Privacy Restrictions and the Use of Data at Credit
Registries
Raphael W. Bostic and Paul S. Calem
10 Segmentation and the Use of Information in Brazilian Credit
Markets
Armando Castelar Pinheiro and Alkimar Moura
11 Regulation of Personal Data Protection and of Credit
Reporting Firms: A Comparison of Selected Countries of Latin
America,the United States, and the European Union
Rafael del Villar, Alejandro Diaz de Ledn, and Johanna Gil
Hubert
Directory of Credit Reporting Firms around the World
Index
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作者简介
Margaret J. Miller is Senior Economist at the World Bank.
书籍介绍
Credit reporting is a critical part of the financial system in most developed economies but is often weak or absent in developing countries. It addresses a fundamental problem of credit markets: asymmetric information between borrowers and lenders that can lead to adverse selection and moral hazard. The heart of a credit report is the record it provides of an individual's or a firm's payment history, which enables lenders to evaluate credit risk more accurately and lower loan processing time and costs. Credit reports also strengthen borrower discipline, since nonpayment with one institution results in sanctions with others.This book provides the first comprehensive review of credit reporting systems worldwide and documents the rapid growth in the industry. It offers empirical and theoretical evidence of the impact of credit reporting on financial markets, using examples from both developed and developing economies. Credit reporting, it shows, significantly contributes to predicting default risk of potential borrowers, which promotes increased lending activity. The book also covers the role of public policy in the development of credit reporting initiatives, including the role of public credit registries managed by central banks; and the role of legal, regulatory, and institutional factors in supporting credit reporting.
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