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Crédits aux particuliers - Analyse des données de la Centrale des Crédits aux Particuliers

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Author Info
Helga De Doncker () (National Bank of Belgium, Microeconomic Information Department)
Abstract

Since 1 June 2003 the file of the Central Office for Credits to Private Individuals has recorded information relating to all consumer credits and mortgage loans contracted by natural persons for private purposes, as well as any payment defaults resulting from these loans. This registration aims to strengthen the means of preventing the excessive indebtedness of private individuals. In this paper the data of this unique and quasi exhaustive database are thoroughly analysed. Based on the information for the registered credit contracts and the registered persons, firstly a general description of the structure and characteristics of the Belgian private credit market is given. Further, the paper investigates borrowing and payment behavior according to debtor characteristics. The study finds that borrowing patterns, especially as credit portfolio composition is concerned, clearly diverge according to age and residence. Furthermore, striking differences were found for the percentage of loan defaults if these variables were taken into account. In particular, the paper comes to the conclusion that loan defaults aggregated at the regional level show remarkably strong correlations with economic and demographic factors.

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Paper provided by National Bank of Belgium in its series Documents series with number 200601-1.

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Length: 76 pages
Date of creation: Jan 2006
Date of revision:
Handle: RePEc:nbb:docwpp:200601-1

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Related research
Keywords: credit bureau; consumer credits; mortgage loans; loan payment defaults;

Other versions of this item:

Find related papers by JEL classification:
D14 - Microeconomics - - Household Behavior - - - Personal Finance
D18 - Microeconomics - - Household Behavior - - - Consumer Protection
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages
G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies
G29 - Financial Economics - - Financial Institutions and Services - - - Other
R29 - Urban, Rural, and Regional Economics - - Household Analysis - - - Other

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References listed on IDEAS
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