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

Author

Listed:
  • Tamas Briglevics

    (Boston College; Federal Reserve Bank of Boston)

  • Artashes Karapetyan

    (ESSEC Business School)

  • Steven Ongena

    (University of Zurich - Department of Banking and Finance; Swiss Finance Institute; KU Leuven; NTNU Business School; Centre for Economic Policy Research (CEPR))

  • Ibolya Schindele

    (Central European University; Central Bank of Hungary)

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.

Suggested Citation

  • Tamas Briglevics & Artashes Karapetyan & Steven Ongena & Ibolya Schindele, 2022. "The Impact of Positive Information Sharing on Banks’ Lending to Households," Swiss Finance Institute Research Paper Series 22-92, Swiss Finance Institute.
    • Handle: RePEc:chf:rpseri:rp2292
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    More about this item

    Keywords

    information sharing; bank lending; household access to credit;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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