Purpose- This paper suggests that sharing of credit information from
non-financial information sources decrease the non-performing loan rate. To
analyze whether the differences in non-financial information sharing across
countries have any effect on the percentage of nonperforming loan, a sample of
55 countries from Doing Business 2017 is analyzed.
Methodology- Cross
section regressions on country level data for the year 2015 is estimated by
Ordinary Least Squares Method.
Findings- Analysis findings reveal that availability of non-financial
credit information from retails and utilities companies, as addition to
financial sources, in a credit reporting institution lower the bank
non-performing loan rates.
Conclusion- It can be concluded that the payment behavior
reported by non-financial information providers can cause to a reduction in
information asymmetries between lenders and borrowers.
Credit information sharing non-financial information comprehensive credit reporting non-performing loans
Bölüm | Articles |
---|---|
Yazarlar | |
Yayımlanma Tarihi | 30 Eylül 2017 |
Yayımlandığı Sayı | Yıl 2017 |
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