Italian consumer lending more risk-priced post-2008 – paper
Institutions tightened lending to consumers based on household factors
The pricing of loans to Italian consumers became considerably more risk-based in the years after the onset of the global financial crisis, a working paper published by the Bank of Italy finds.
In Are lenders using risk-based pricing in the consumer loan market? The effects of the 2008 crisis, Silvia Magri uses data from a survey on household income and wealth since 2006.
The pricing of consumer loans in Italy has become more risk-priced since the 2008 financial crisis, the author finds
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