The Impact of Commercial Credit Reporting Practices on Small Business
Author: United States. Congress. Senate. Select Committee on Small Business
Publisher:
Published: 1979
Total Pages: 644
ISBN-13:
DOWNLOAD EBOOK →Author: United States. Congress. Senate. Select Committee on Small Business
Publisher:
Published: 1979
Total Pages: 644
ISBN-13:
DOWNLOAD EBOOK →Author: United States. Congress. Senate. Select Committee on Small Business
Publisher:
Published: 1979
Total Pages: 594
ISBN-13:
DOWNLOAD EBOOK →Author: United States. Congress. Senate. Select Committee on Small Business
Publisher:
Published: 1980
Total Pages: 604
ISBN-13:
DOWNLOAD EBOOK →Author: Margaret J. Miller
Publisher: MIT Press
Published: 2003
Total Pages: 484
ISBN-13: 9780262134224
DOWNLOAD EBOOK →The first comprehensive review of credit reporting systems worldwide, including their institutional forms and evidence of their impact on financial markets. 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.
Author: United States. Congress. Senate. Library
Publisher:
Published: 1979
Total Pages: 1172
ISBN-13:
DOWNLOAD EBOOK →Author: Interagency Task Force on Small Business Finance (U.S.)
Publisher:
Published: 1982
Total Pages: 72
ISBN-13:
DOWNLOAD EBOOK →Author: United States. Congress
Publisher:
Published: 1981
Total Pages: 1368
ISBN-13:
DOWNLOAD EBOOK →