Template-Type: ReDIF-Paper 1.0
Author-Name: Tamas Briglevics
Author-X-Name-First: Tamas
Author-X-Name-Last: Briglevics
Author-Email: briglevicst@mnb.hu
Author-Workplace-Name: Central Bank of Hungary

Author-Name: Artashes Karapetyan
Author-X-Name-First:  Artashes
Author-X-Name-Last: Karapetyan
Author-Email: karapetyan@essec.edu
Author-Workplace-Name: ESSEC Business School

Author-Name: Steven Ongena
Author-X-Name-First:  Steven
Author-X-Name-Last: Ongena
Author-Email: steven.ongena@bf.uzh.ch
Author-Workplace-Name: University of Zürich; Swiss Finance Institute; KU Leuven; NTNU Business School and CEPR

Author-Name: Schindele Ibolya
Author-X-Name-First:  Ibolya
Author-X-Name-Last: Schindele
Author-Email: SchindeleI@ceu.edu
Author-Workplace-Name:  Central European University; Corvinus University and Central Bank of Hungary


Title: Tamas Briglevics-Artashes Karapetyan-Steven Ongena-Ibolya Schindele: More Data, More Credit? Information Sharing and Bank Credit to Households
Abstract: We exploit a nation-wide introduction of mandatory disclosure of borrowers’ total credit exposures and show that sharing
such information increases credit access independent of borrowers’ history. Differentiating between borrowers applying
to competitor banks and those reapplying to their current banks, as well as between borrowers with and without default
history, we find an overall increase in credit access measured by both loan application acceptance and credit amount.
While credit access increases, default rates decrease, generating an increase in aggregate welfare. (78 words)



Length: 48 pages
Creation-Date: 2024
File-URL: https://www.mnb.hu/letoltes/mnb-wp-2024-1-final.pdf
File-Format: Application/pdf
Number: 2024/1
Classification-JEL: G21, G28
Keywords: information sharing, bank lending, household access to credit
Handle: RePEc:mnb:wpaper:2024/1