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The Impact of Positive Information Sharing on Banks’ Lending to Households

Tamas Briglevics, Artashes Karapetyan, Steven Ongena and Ibolya Schindele
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Tamas Briglevics: Boston College; Federal Reserve Bank of Boston
Artashes Karapetyan: ESSEC Business School

No 22-92, Swiss Finance Institute Research Paper Series from Swiss Finance Institute

Abstract: What is the impact of positive information sharing on households’ access to credit? Exploiting a nation-wide introduction of mandatory information sharing between banks on borrowers` current exposures, we differentiate between borrowers who apply to new banks and those who reapply to banks with already established credit contracts, as well as between borrowers with and without past negative information. We find an overall increase in credit access, in application success and credit amount, for all borrower groups. In addition, we show that while credit access increases, default rates decrease, hence “positive” information sharing may boost aggregate welfare.

Keywords: information sharing; bank lending; household access to credit (search for similar items in EconPapers)
JEL-codes: G21 G28 (search for similar items in EconPapers)
Pages: 54 pages
Date: 2022-12
New Economics Papers: this item is included in nep-ban, nep-eec and nep-mfd
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Persistent link: https://EconPapers.repec.org/RePEc:chf:rpseri:rp2292

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