Please use this identifier to cite or link to this item: http://hdl.handle.net/10419/209999
Authors: 
Karapetyan, Artashes
Stacescu, Bogdan
Year of Publication: 
2011
Series/Report no.: 
Working Paper No. 2011/23
Publisher: 
Norges Bank, Oslo
Abstract: 
We examine the conditions required for the existence of private credit bureaus, their ownership and coverage. Our model implies that bank consortia will most likely be preferred by banks, but that they will lead to restricted coverage. Independent credit bureaus have higher coverage, but they require good institutions. This implies an important role for public credit registers in developing countries with weak institutions. Our empirical findings largely support the implications of our model.
Subjects: 
information sharing
credit markets
default
adverse selection
JEL: 
G20
D82
L12
Persistent Identifier of the first edition: 
ISBN: 
978-82-7553-646-2
Creative Commons License: 
https://creativecommons.org/licenses/by-nc-nd/4.0/deed.no
Document Type: 
Working Paper
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