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050 4 _aHG3751.5
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072 7 _aBUS
_x027000
_2bisacsh
082 0 4 _a332.3
_221
049 _aMAIN
245 0 0 _aCredit reporting systems and the international economy /
_cedited by Margaret J. Miller.
260 _aCambridge, Mass. :
_bMIT Press,
_c©2003.
300 _a1 online resource (xii, 453 pages) :
_billustrations
336 _atext
_btxt
_2rdacontent
337 _acomputer
_bc
_2rdamedia
338 _aonline resource
_bcr
_2rdacarrier
500 _aMany of the papers included here were first presented at the International Conference on Credit Reporting Systems, held in Miami, Florida in June 2000.--Acknowledgments.
504 _aIncludes bibliographical references and index.
588 0 _aPrint version record.
505 0 _aCredit reporting systems around the globe / Margaret J. Miller -- Public credit information / Tullio Jappelli and Marco Pagano -- Credit reporting agencies / Rowena Olegario -- Credit information and market performance / Kevin Cowan and Jose De Gregorio -- Private business information exchange in the United States / Jarl G. Kallberg and Gregory F. Udell -- The use of public credit registry information in the estimation of appropriate capital and provisioning requirements / Michael Falkenheim and Andrew Powell -- Relationship lending in the Argentine small business credit market / Allen N. Berger [and others] -- The value of comprehensive credit reports / John M. Barron and Michael Staten -- Privacy restrictions and the use of data at credit registries / Raphael W. Bostic and Paul S. Calem -- Segmentation and the use of information in Brazilian Credit markets / Armando Castelar Pinheiro and Alkimar Moura -- Regulation of personal data protection and of credit reporting firms / Rafael del Villar, Alejandro Diaz de Leon, and Johanna Gil Hubert.
520 1 _a"Credit reporting is a critical part of the financial system in most developed economies but is often weak or absent in developing countries. It addresses a fundamental problem of credit markets: asymmetric information between borrowers and lenders that can lead to adverse selection and moral hazard. The heart of a credit report is the record it provides of an individual's or a firm's payment history, which enables lenders to evaluate credit risk more accurately and lower loan processing time and costs. Credit reports also strengthen borrower discipline, since nonpayment with one institution results in sanctions with others."
520 8 _a"This book provides the first comprehensive review of credit reporting systems worldwide and documents the rapid growth in the industry. It offers empirical and theoretical evidence of the impact of credit reporting on financial markets, using examples from both developed and developing economies. Credit reporting, it shows, significantly contributes to predicting default risk of potential borrowers, which promotes increased lending activity. The book also covers the role of public policy in the development of credit reporting initiatives, including the role of public credit registries managed by central banks; and the role of legal, regulatory, and institutional factors in supporting credit reporting."--Jacket
546 _aEnglish.
590 _aAdded to collection customer.56279.3
650 0 _aCredit bureaus
_vCongresses.
_9302079
650 0 _aConsumer credit
_vCongresses.
_9302080
650 0 _aCredit bureaus
_vDirectories.
_9302081
650 6 _aCrédit
_xAgences de renseignements
_vCongrès.
_9996239
650 6 _aCrédit à la consommation
_vCongrès.
_9996240
650 6 _aCrédit
_xAgences de renseignements
_vRépertoires.
_9996241
650 7 _aBUSINESS & ECONOMICS
_xFinance.
_2bisacsh
_919698
650 7 _aConsumer credit
_2fast
_9302082
650 7 _aCredit bureaus
_2fast
_9179985
650 1 7 _aKredietwaardigheid.
_2gtt
_9246313
650 1 7 _aKrediet.
_2gtt
_9156601
650 1 7 _aVerslaglegging.
_2gtt
_9302083
650 1 7 _aFinanciële informatiesystemen.
_2gtt
_9302084
650 1 7 _aOverheidsbeleid.
_2gtt
_9107093
655 7 _adirectories.
_2aat
_9101062
655 7 _aConference papers and proceedings
_2fast
_96065
655 7 _aDirectories
_2fast
_9101062
655 7 _aCongressen (vorm)
_0(NL-LeOCL)088142469
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655 7 _aDirectories.
_2lcgft
_9101062
655 7 _aRépertoires.
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_9996242
700 1 _aMiller, Margaret J.,
_d1963-
_1https://id.oclc.org/worldcat/entity/E39PCjGTXQ7JkFY9jBcGtPjhBP
_9302085
758 _ihas work:
_aCredit reporting systems and the international economy (Text)
_1https://id.oclc.org/worldcat/entity/E39PCGPhV64CJBTVcBJVGXww83
_4https://id.oclc.org/worldcat/ontology/hasWork
776 0 8 _iPrint version:
_tCredit reporting systems and the international economy.
_dCambridge, Mass. : MIT Press, ©2003
_z0262134225
_w(DLC) 2002026344
_w(OCoLC)50042572
856 4 0 _3EBSCOhost
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