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?

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