Credit Reporting Systems and the International Economy信贷报告系统与国际经济 下载 pdf 2025 网盘 epub 在线 mobi 免费

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.

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.

Foreword vii

Acknowledgments

Introduction

Margaret J. Miller

I Institutional Arrangements for Credit Reporting

1 Credit Reporting Systems around the Globe: The State of the

Art in Public Credit Registries and Private Credit Reporting

Firms

　　Margaret J. Miller

2 Public Credit Information: A European Perspective

Tullio Jappelli and Marco Pagano

3 Credit Reporting Agencies: A Historical Perspective

Rowena Olegario

　　II The Role of Credit Reporting Data in Financial Systems

4 Credit Information and Market Performance: The Case of

Chile

Kevin Cowan and Jose De Gregorio

5 Private Business Information Exchange in the United

States

　　Jarl G. Kallberg and Gregory F. Udell

6　The Use of Public Credit Registry Information in the

　　Estimation of Appropriate Capital and Provisioning

　　Requirements

　　Falkenheim and Andrew Powell

7　Relationship Lending in the Argentine Small Business Credit

　　Market

　　Allen N. Berger, Leora F. Klapper, Margaret J. Miller, and

　　Gregory F. Udell

　　III The Impact of Public Policies on Credit Reporting

8 The Value of Comprehensive Credit Reports: Lessons from

the U.S. Experience

　　John M. Barron and Michael Staten

9　　Privacy Restrictions and the Use of Data at Credit

　　Registries

　　Raphael W. Bostic and Paul S. Calem

10 Segmentation and the Use of Information in Brazilian Credit

Markets

　　Armando Castelar Pinheiro and Alkimar Moura

11 Regulation of Personal Data Protection and of Credit

Reporting Firms: A Comparison of Selected Countries of Latin

America,the United States, and the European Union

Rafael del Villar, Alejandro Diaz de Ledn, and Johanna Gil

Hubert

　　Directory of Credit Reporting Firms around the World

　　Index

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作者简介

Margaret J. Miller is Senior Economist at the World Bank.

书籍介绍

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.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.