Banks should share data on borrowers, working paper argues

Compulsory data sharing has increased credit supply, Hungarian central bank paper says

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Credit access increases when banks share information on borrowers’ debt exposure, research published by the Central Bank of Hungary finds.

“We find an overall increase in credit access measured by both loan application acceptance and credit amount,” say the researchers. “While credit access increases, default rates decrease, generating an increase in aggregate welfare” write Tamás Briglevics, Artashes Karapetyan, Steven Ongena and Ibolya Schindele in their working paper. 

The researchers worried

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