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More Data, More Credit? Information Sharing and Bank Credit to Households

Author

Listed:
  • Tamas Briglevics

    (Boston College; Federal Reserve Bank of Boston)

  • Artashes Karapetyan

    (ESSEC Business School)

  • Steven Ongena

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

  • Ibolya Schindele

    (Central European University; Corvinus University of Budapest; Central Bank of Hungary)

Abstract

We exploit a nationwide introduction of mandatory disclosure of borrowers’ total credit exposures and show that sharing such information increases credit access independent of borrowers’ history. Differentiating between borrowers applying to competitor banks and those reapplying to their current banks, as well as between borrowers with and without default history, we find an overall increase in credit access measured by both loan application acceptance and credit amount. While credit access increases, default rates decrease, generating an increase in aggregate welfare.

Suggested Citation

  • Tamas Briglevics & Artashes Karapetyan & Steven Ongena & Ibolya Schindele, 2024. "More Data, More Credit? Information Sharing and Bank Credit to Households," Swiss Finance Institute Research Paper Series 24-84, Swiss Finance Institute.
    • Handle: RePEc:chf:rpseri:rp2484
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    File URL: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4781660
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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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