Credit information - MANUSCRIPT_R3.pdf (975.77 kB)
Credit information sharing and loan default in developing countries: the moderating effect of banking market concentration and national governance quality
journal contribution
posted on 2023-06-10, 03:29 authored by Samuel FosuSamuel Fosu, Albert Danso, Henry Agyei-Boapeah, Collins G Ntim, Emmanuel AdegbiteDeparting from the existing literature, which associates credit information sharing with improved access to credit in advanced economies, we examine whether credit information sharing can also reduce loan default rate for banks domiciled in developing countries. Using a large dataset covering 879 unique banks from 87 developing countries from every continent, over a 9-year period (i.e., over 6300 observations), we uncover three new findings. First, we find that credit information sharing reduces loan default rate. Second, we show that the relationship between credit information sharing and loan default rate is conditional on banking market concentration. Third, our findings suggest that governance quality at the country level does not have a strong moderating role on the effect of credit information sharing on loan default rate.
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Publication status
- Published
File Version
- Accepted version
Journal
Review of Quantitative Finance and AccountingISSN
0924-865XPublisher
SpringerExternal DOI
Volume
55Page range
55-103Department affiliated with
- Accounting and Finance Publications
Full text available
- Yes
Peer reviewed?
- Yes
Legacy Posted Date
2022-05-11First Open Access (FOA) Date
2022-05-11First Compliant Deposit (FCD) Date
2022-05-11Usage metrics
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