Inter­na­tio­nal insti­tu­ti­ons such as the World Bank have shown that data sha­ring on bor­ro­wers con­tri­bu­tes to impro­ving the risk pro­fi­le of bor­ro­wers and incre­asing access for more cus­to­mers to cre­dit mar­kets. Seve­ral rele­vant aca­de­mic artic­les under­line the­se results. Thus, the exis­tence of data sha­ring bet­ween len­ders is com­mon­ly ack­now­led­ged as one of the core ingre­di­ents of suc­cessful cre­dit markets.

The ori­gi­na­li­ty of the pre­sent stu­dy is to ana­ly­se whe­ther sha­ring more com­pre­hen­si­ve data impro­ves the func­tio­ning of cre­dit mar­kets in Euro­pean count­ries. Assum­ing that mecha­nisms to share data do exist, does a hig­her com­pre­hen­si­ve­ness in the data coll­ec­ted mat­ter for cre­dit mar­kets? The stu­dy ans­wers this by first­ly ana­ly­sing whe­ther hig­her com­pre­hen­si­ve­ness in the data coll­ec­ted by cre­dit refe­rence agen­ci­es (CRAs) in the EU-28 can impact cre­dit mar­kets, and second­ly, by ana­ly­sing to what ext­ent the sha­ring of non-tra­di­tio­nal data, that is, data not direct­ly rela­ted to cre­dit acti­vi­ties, can con­tri­bu­te to well-func­tio­ning cre­dit markets

Quel­le /​ Link: Data sha­ring in cre­dit mar­kets: Does com­pre­hen­si­ve­ness matter?