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Bank Loan Behavior and Credit Information Sharing: An Insight from Measurement Costs

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  • Xuehui He
  • Yiming Wang
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    Abstract

    We find that the measurement cost of creditworthiness is important when considering the behavior of banks. A set of credit infrastructures, i.e. a credit rating system, will help to increase the incentive of the banks to make unsecured credit loans, and thus help financial development. However, since the credit information sharing system is a kind of 'public good', it will not come into being endogenously in most cases without the driving force of the government.

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    File URL: http://www.tandfonline.com/doi/abs/10.1080/17487870701554315
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    Bibliographic Info

    Article provided by Taylor & Francis Journals in its journal Journal of Economic Policy Reform.

    Volume (Year): 10 (2007)
    Issue (Month): 4 ()
    Pages: 325-333

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    Handle: RePEc:taf:jpolrf:v:10:y:2007:i:4:p:325-333

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    Web page: http://www.tandfonline.com/GPRE19

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    Related research

    Keywords: Banking credit; measurement cost; credit record;

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    Cited by:
    1. Clara Cardone-Riportella & Antonio Trujillo-Ponce & Anahí Briozzo, 2013. "Analyzing the role of mutual guarantee societies on bank capital requirements for small and medium-sized enterprises," Journal of Economic Policy Reform, Taylor & Francis Journals, vol. 16(2), pages 142-159, June.

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