Credit reporting systems and the international economy /:
"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 h...
Gespeichert in:
| Weitere Verfasser: | |
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| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Cambridge, Mass. :
MIT Press,
©2003.
|
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Zusammenfassung: | "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."--Jacket |
| Beschreibung: | Many of the papers included here were first presented at the International Conference on Credit Reporting Systems, held in Miami, Florida in June 2000.--Acknowledgments. |
| Beschreibung: | 1 online resource (xii, 453 pages) : illustrations |
| Bibliographie: | Includes bibliographical references and index. |
| ISBN: | 9780262279826 0262279827 0585448418 9780585448411 |
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| 245 | 0 | 0 | |a Credit reporting systems and the international economy / |c edited by Margaret J. Miller. |
| 260 | |a Cambridge, Mass. : |b MIT Press, |c ©2003. | ||
| 300 | |a 1 online resource (xii, 453 pages) : |b illustrations | ||
| 336 | |a text |b txt |2 rdacontent | ||
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| 338 | |a online resource |b cr |2 rdacarrier | ||
| 500 | |a Many of the papers included here were first presented at the International Conference on Credit Reporting Systems, held in Miami, Florida in June 2000.--Acknowledgments. | ||
| 504 | |a Includes bibliographical references and index. | ||
| 588 | 0 | |a Print version record. | |
| 505 | 0 | |a Credit reporting systems around the globe / Margaret J. Miller -- Public credit information / Tullio Jappelli and Marco Pagano -- Credit reporting agencies / Rowena Olegario -- Credit information and market performance / Kevin Cowan and Jose De Gregorio -- Private business information exchange in the United States / Jarl G. Kallberg and Gregory F. Udell -- The use of public credit registry information in the estimation of appropriate capital and provisioning requirements / Michael Falkenheim and Andrew Powell -- Relationship lending in the Argentine small business credit market / Allen N. Berger [and others] -- The value of comprehensive credit reports / John M. Barron and Michael Staten -- Privacy restrictions and the use of data at credit registries / Raphael W. Bostic and Paul S. Calem -- Segmentation and the use of information in Brazilian Credit markets / Armando Castelar Pinheiro and Alkimar Moura -- Regulation of personal data protection and of credit reporting firms / Rafael del Villar, Alejandro Diaz de Leon, and Johanna Gil Hubert. | |
| 520 | 1 | |a "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." | |
| 520 | 8 | |a "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."--Jacket | |
| 546 | |a English. | ||
| 650 | 0 | |a Credit bureaus |v Congresses. | |
| 650 | 0 | |a Consumer credit |v Congresses. | |
| 650 | 0 | |a Credit bureaus |v Directories. | |
| 650 | 6 | |a Crédit |x Agences de renseignements |v Congrès. | |
| 650 | 6 | |a Crédit à la consommation |v Congrès. | |
| 650 | 6 | |a Crédit |x Agences de renseignements |v Répertoires. | |
| 650 | 7 | |a BUSINESS & ECONOMICS |x Finance. |2 bisacsh | |
| 650 | 7 | |a Consumer credit |2 fast | |
| 650 | 7 | |a Credit bureaus |2 fast | |
| 650 | 1 | 7 | |a Kredietwaardigheid. |2 gtt |
| 650 | 1 | 7 | |a Krediet. |2 gtt |
| 650 | 1 | 7 | |a Verslaglegging. |2 gtt |
| 650 | 1 | 7 | |a Financiële informatiesystemen. |2 gtt |
| 650 | 1 | 7 | |a Overheidsbeleid. |2 gtt |
| 655 | 7 | |a directories. |2 aat | |
| 655 | 7 | |a Conference papers and proceedings |2 fast | |
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| 700 | 1 | |a Miller, Margaret J., |d 1963- |1 https://id.oclc.org/worldcat/entity/E39PCjGTXQ7JkFY9jBcGtPjhBP |0 http://id.loc.gov/authorities/names/n2002062746 | |
| 758 | |i has work: |a Credit reporting systems and the international economy (Text) |1 https://id.oclc.org/worldcat/entity/E39PCGPhV64CJBTVcBJVGXww83 |4 https://id.oclc.org/worldcat/ontology/hasWork | ||
| 776 | 0 | 8 | |i Print version: |t Credit reporting systems and the international economy. |d Cambridge, Mass. : MIT Press, ©2003 |z 0262134225 |w (DLC) 2002026344 |w (OCoLC)50042572 |
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Datensatz im Suchindex
| DE-BY-FWS_katkey | ZDB-4-EBA-ocm52305557 |
|---|---|
| _version_ | 1816881607447937025 |
| adam_text | |
| any_adam_object | |
| author2 | Miller, Margaret J., 1963- |
| author2_role | |
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| author_GND | http://id.loc.gov/authorities/names/n2002062746 |
| author_facet | Miller, Margaret J., 1963- |
| author_sort | Miller, Margaret J., 1963- |
| building | Verbundindex |
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| callnumber-subject | HG - Finance |
| collection | ZDB-4-EBA |
| contents | Credit reporting systems around the globe / Margaret J. Miller -- Public credit information / Tullio Jappelli and Marco Pagano -- Credit reporting agencies / Rowena Olegario -- Credit information and market performance / Kevin Cowan and Jose De Gregorio -- Private business information exchange in the United States / Jarl G. Kallberg and Gregory F. Udell -- The use of public credit registry information in the estimation of appropriate capital and provisioning requirements / Michael Falkenheim and Andrew Powell -- Relationship lending in the Argentine small business credit market / Allen N. Berger [and others] -- The value of comprehensive credit reports / John M. Barron and Michael Staten -- Privacy restrictions and the use of data at credit registries / Raphael W. Bostic and Paul S. Calem -- Segmentation and the use of information in Brazilian Credit markets / Armando Castelar Pinheiro and Alkimar Moura -- Regulation of personal data protection and of credit reporting firms / Rafael del Villar, Alejandro Diaz de Leon, and Johanna Gil Hubert. |
| ctrlnum | (OCoLC)52305557 |
| dewey-full | 332.3 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 332 - Financial economics |
| dewey-raw | 332.3 |
| dewey-search | 332.3 |
| dewey-sort | 3332.3 |
| dewey-tens | 330 - Economics |
| discipline | Wirtschaftswissenschaften |
| format | Electronic eBook |
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| genre | directories. aat Conference papers and proceedings fast Directories fast Congressen (vorm) (NL-LeOCL)088142469 gtt Directories. lcgft http://id.loc.gov/authorities/genreForms/gf2014026087 Répertoires. rvmgf |
| genre_facet | directories. Conference papers and proceedings Directories Congressen (vorm) Directories. Répertoires. |
| id | ZDB-4-EBA-ocm52305557 |
| illustrated | Illustrated |
| indexdate | 2024-11-27T13:15:24Z |
| institution | BVB |
| isbn | 9780262279826 0262279827 0585448418 9780585448411 |
| language | English |
| lccn | 2002026344 |
| oclc_num | 52305557 |
| open_access_boolean | |
| owner | MAIN DE-863 DE-BY-FWS |
| owner_facet | MAIN DE-863 DE-BY-FWS |
| physical | 1 online resource (xii, 453 pages) : illustrations |
| psigel | ZDB-4-EBA |
| publishDate | 2003 |
| publishDateSearch | 2003 |
| publishDateSort | 2003 |
| publisher | MIT Press, |
| record_format | marc |
| spelling | Credit reporting systems and the international economy / edited by Margaret J. Miller. Cambridge, Mass. : MIT Press, ©2003. 1 online resource (xii, 453 pages) : illustrations text txt rdacontent computer c rdamedia online resource cr rdacarrier Many of the papers included here were first presented at the International Conference on Credit Reporting Systems, held in Miami, Florida in June 2000.--Acknowledgments. Includes bibliographical references and index. Print version record. Credit reporting systems around the globe / Margaret J. Miller -- Public credit information / Tullio Jappelli and Marco Pagano -- Credit reporting agencies / Rowena Olegario -- Credit information and market performance / Kevin Cowan and Jose De Gregorio -- Private business information exchange in the United States / Jarl G. Kallberg and Gregory F. Udell -- The use of public credit registry information in the estimation of appropriate capital and provisioning requirements / Michael Falkenheim and Andrew Powell -- Relationship lending in the Argentine small business credit market / Allen N. Berger [and others] -- The value of comprehensive credit reports / John M. Barron and Michael Staten -- Privacy restrictions and the use of data at credit registries / Raphael W. Bostic and Paul S. Calem -- Segmentation and the use of information in Brazilian Credit markets / Armando Castelar Pinheiro and Alkimar Moura -- Regulation of personal data protection and of credit reporting firms / Rafael del Villar, Alejandro Diaz de Leon, and Johanna Gil Hubert. "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."--Jacket English. Credit bureaus Congresses. Consumer credit Congresses. Credit bureaus Directories. Crédit Agences de renseignements Congrès. Crédit à la consommation Congrès. Crédit Agences de renseignements Répertoires. BUSINESS & ECONOMICS Finance. bisacsh Consumer credit fast Credit bureaus fast Kredietwaardigheid. gtt Krediet. gtt Verslaglegging. gtt Financiële informatiesystemen. gtt Overheidsbeleid. gtt directories. aat Conference papers and proceedings fast Directories fast Congressen (vorm) (NL-LeOCL)088142469 gtt Directories. lcgft http://id.loc.gov/authorities/genreForms/gf2014026087 Répertoires. rvmgf Miller, Margaret J., 1963- https://id.oclc.org/worldcat/entity/E39PCjGTXQ7JkFY9jBcGtPjhBP http://id.loc.gov/authorities/names/n2002062746 has work: Credit reporting systems and the international economy (Text) https://id.oclc.org/worldcat/entity/E39PCGPhV64CJBTVcBJVGXww83 https://id.oclc.org/worldcat/ontology/hasWork Print version: Credit reporting systems and the international economy. Cambridge, Mass. : MIT Press, ©2003 0262134225 (DLC) 2002026344 (OCoLC)50042572 FWS01 ZDB-4-EBA FWS_PDA_EBA https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=81099 Volltext |
| spellingShingle | Credit reporting systems and the international economy / Credit reporting systems around the globe / Margaret J. Miller -- Public credit information / Tullio Jappelli and Marco Pagano -- Credit reporting agencies / Rowena Olegario -- Credit information and market performance / Kevin Cowan and Jose De Gregorio -- Private business information exchange in the United States / Jarl G. Kallberg and Gregory F. Udell -- The use of public credit registry information in the estimation of appropriate capital and provisioning requirements / Michael Falkenheim and Andrew Powell -- Relationship lending in the Argentine small business credit market / Allen N. Berger [and others] -- The value of comprehensive credit reports / John M. Barron and Michael Staten -- Privacy restrictions and the use of data at credit registries / Raphael W. Bostic and Paul S. Calem -- Segmentation and the use of information in Brazilian Credit markets / Armando Castelar Pinheiro and Alkimar Moura -- Regulation of personal data protection and of credit reporting firms / Rafael del Villar, Alejandro Diaz de Leon, and Johanna Gil Hubert. Credit bureaus Congresses. Consumer credit Congresses. Credit bureaus Directories. Crédit Agences de renseignements Congrès. Crédit à la consommation Congrès. Crédit Agences de renseignements Répertoires. BUSINESS & ECONOMICS Finance. bisacsh Consumer credit fast Credit bureaus fast Kredietwaardigheid. gtt Krediet. gtt Verslaglegging. gtt Financiële informatiesystemen. gtt Overheidsbeleid. gtt |
| subject_GND | (NL-LeOCL)088142469 http://id.loc.gov/authorities/genreForms/gf2014026087 |
| title | Credit reporting systems and the international economy / |
| title_auth | Credit reporting systems and the international economy / |
| title_exact_search | Credit reporting systems and the international economy / |
| title_full | Credit reporting systems and the international economy / edited by Margaret J. Miller. |
| title_fullStr | Credit reporting systems and the international economy / edited by Margaret J. Miller. |
| title_full_unstemmed | Credit reporting systems and the international economy / edited by Margaret J. Miller. |
| title_short | Credit reporting systems and the international economy / |
| title_sort | credit reporting systems and the international economy |
| topic | Credit bureaus Congresses. Consumer credit Congresses. Credit bureaus Directories. Crédit Agences de renseignements Congrès. Crédit à la consommation Congrès. Crédit Agences de renseignements Répertoires. BUSINESS & ECONOMICS Finance. bisacsh Consumer credit fast Credit bureaus fast Kredietwaardigheid. gtt Krediet. gtt Verslaglegging. gtt Financiële informatiesystemen. gtt Overheidsbeleid. gtt |
| topic_facet | Credit bureaus Congresses. Consumer credit Congresses. Credit bureaus Directories. Crédit Agences de renseignements Congrès. Crédit à la consommation Congrès. Crédit Agences de renseignements Répertoires. BUSINESS & ECONOMICS Finance. Consumer credit Credit bureaus Kredietwaardigheid. Krediet. Verslaglegging. Financiële informatiesystemen. Overheidsbeleid. directories. Conference papers and proceedings Directories Congressen (vorm) Directories. Répertoires. |
| url | https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=81099 |
| work_keys_str_mv | AT millermargaretj creditreportingsystemsandtheinternationaleconomy |