Bank loan behavior and credit information sharing: An insight from measurement costs

被引：9

作者：

He, Xuehui ^{[1
]}

Wang, Yiming

机构：

[1] Hunan Univ, Coll Finance, Changsha 410079, Hunan, Peoples R China

[2] Peking Univ, Beijing, Peoples R China

来源：

JOURNAL OF ECONOMIC POLICY REFORM | 2007年 / 10卷 / 04期

关键词：

banking credit; measurement cost; credit record;

D O I：

10.1080/17487870701554315

中图分类号：

F0 [经济学]; F1 [世界各国经济概况、经济史、经济地理]; C [社会科学总论];

学科分类号：

0201 [理论经济学]; 020105 [世界经济]; 03 [法学]; 0303 [社会学];

摘要：

We find that the measurement cost of creditworthiness is important when considering the behavior of banks. A set of credit infrastructures, i.e. a credit rating system, will help to increase the incentive of the banks to make unsecured credit loans, and thus help financial development. However, since the credit information sharing system is a kind of 'public good', it will not come into being endogenously in most cases without the driving force of the government.

引用

页码：325 / 333

页数：9