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Use of the Czech Central Credit Register for Financial Stability Purposes

In: CNB Financial Stability Report 2014/2015

Author

Listed:
  • Tomas Konecny
  • Miroslav Plasil
  • Marek Rusnak
  • Pavel Rezabek

Abstract

This article contains basic information on the Czech Central Credit Register (CCR) and documents the use of the CCR for fulfilling the objective of financial stability. It describes in detail the construction of credit risk indicators produced by the CNB on both a routine and ad hoc basis in its macroprudential supervisory work. The article concludes by briefly describing the CNB's plans to collect granular credit information. The extension of data collection to information on mortgages and consumer credit provided to households is linked with current European initiatives to establish a cross-border credit database. Detailed data on this credit segment are needed for some macroprudential tools, such as the loan-to-value ratio.

Suggested Citation

  • Tomas Konecny & Miroslav Plasil & Marek Rusnak & Pavel Rezabek, 2015. "Use of the Czech Central Credit Register for Financial Stability Purposes," Occasional Publications - Chapters in Edited Volumes, in: CNB Financial Stability Report 2014/2015, chapter 0, pages 139-145, Czech National Bank.
    • Handle: RePEc:cnb:ocpubc:fsr1415/4
    as

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    File URL: https://www.cnb.cz/en/financial-stability/thematic-articles-on-financial-stability/
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    References listed on IDEAS

    as
    1. Pagano, Marco & Jappelli, Tullio, 1993. "Information Sharing in Credit Markets," Journal of Finance, American Finance Association, vol. 48(5), pages 1693-1718, December.
    2. World Bank, "undated". "Doing Business in Nigeria 2014," World Bank Publications - Reports 21970, The World Bank Group.
    3. Andrew Hertzberg & Jose Maria Liberti & Daniel Paravisini, 2010. "Information and Incentives Inside the Firm: Evidence from Loan Officer Rotation," Journal of Finance, American Finance Association, vol. 65(3), pages 795-828, June.
    4. Alberto Bennardo & Marco Pagano & Salvatore Piccolo, 2015. "Multiple Bank Lending, Creditor Rights, and Information Sharing," Review of Finance, European Finance Association, vol. 19(2), pages 519-570.
    5. Girault, Matias Gutierrez & Hwang, Jane, 2010. "Public credit registries as a tool for bank regulation and supervision," Policy Research Working Paper Series 5489, The World Bank.
    Full references (including those not matched with items on IDEAS)

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