Norges Bank

Working Paper

Information sharing and information acquisition: Ownership and coverage

Author:
Artashes Karapetyan and Bogdan Stacescu
Series:
Working Paper
Number:
23/2011

Abstract
We examine the conditions required for the existence of private credit bureaus, their ownership and coverage. Our model implies that bank consortia will most likely be preferred by banks, but that they will lead to restricted coverage. Independent credit bureaus have higher coverage, but they require good institutions. This implies an important role for public credit registers in developing countries with weak institutions. Our empirical findings largely support the implications of our model.

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ISSN 1502-8190 (online)

Published 31 December 2011 15:30
Published 31 December 2011 15:30