LAUSR

Disguised corruption: Evidence from consumer credit in China

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1 Published in 2020 at "Journal of Financial Economics"

DOI: 10.1016/j.jfineco.2020.03.002

Abstract: Abstract Using a comprehensive sample of credit card data from a leading Chinese bank, we show that government bureaucrats receive 16% higher credit lines than non-bureaucrats with similar income and demographics, but their accounts experience… read more here.

Keywords: corruption evidence; consumer credit; corruption; disguised corruption ... See more keywords

Politicizing consumer credit

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0 Published in 2020 at "Journal of Financial Economics"

DOI: 10.1016/j.jfineco.2020.07.017

Abstract: Using proprietary credit bureau data, we find that consumers’ access to credit decreases by 4.5 percent–8 percent when the borrower’s home-state U.S. senator becomes the chair of a powerful Senate committee. The reduction in credit… read more here.

Keywords: politicizing consumer; access; consumer credit; credit ... See more keywords

The Effects of Competition in Consumer Credit Markets

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1 Published in 2020 at "Review of Financial Studies"

DOI: 10.1093/rfs/hhaa035

Abstract: This paper finds that banks and nonbanks respond differently to increased competition in consumer credit markets. Increased competition and a greater threat of failure induces banks to specialize in relationship business lending, and surviving banks… read more here.

Keywords: credit; consumer credit; competition consumer; competition ... See more keywords

The Effects of Competition in Consumer Credit Market

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1 Published in 2018 at "Review of Financial Studies"

DOI: 10.3386/w26183

Abstract: This paper finds that banks and non-banks respond differently to increased competition in consumer credit markets. Increased competition and the greater threat of failure induces banks to specialize more in relationship business lending, and surviving… read more here.

Keywords: credit; consumer credit; competition consumer; competition ... See more keywords

Analysis of Factors Affecting Individuals’ Online Consumer Credit Behavior: Evidence From China

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1 Published in 2022 at "Frontiers in Psychology"

DOI: 10.3389/fpsyg.2022.922571

Abstract: In the past two decades, a growing number of Chinese young adults utilize online consumer credit to satisfy their increasing consumption demand. Although it is indeed boosting consumer markets, it has also caused many serious… read more here.

Keywords: consumer credit; online consumer; consumer; individuals online ... See more keywords