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

  • Xuehui He
  • Yiming Wang
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    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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    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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