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How voluntary information sharing systems form: Evidence from a U.S. commercial credit bureau
16 references·2 citing·40 second hop
How voluntary information sharing systems form: Evidence from a U.S. commercial credit bureau (2021)How voluntary information sharing systems…The Role of Technology in Mortgage Lending (2019)The Role of Technology in Mor…Fintech, regulatory arbitrage, and the rise of shadow banks (2018)Fintech, regulatory arbitrage…The FinTech Opportunity (2016)The FinTech OpportunityTracing the Impact of Bank Liquidity Shocks: Evidence from an Emerging Market (2008)Tracing the Impact of Bank Li…Private credit in 129 countries☆ (2007)Private credit in 129 countri…Banking Deregulation and Industry Structure: Evidence from the French Banking Reforms of 1985 (2007)Banking Deregulation and Indu…Should Banks Be Diversified? Evidence from Individual Bank Loan Portfolios* (2006)Should Banks Be Diversified? …Does function follow organizational form? Evidence from the lending practices of large and small banks (2005)Does function follow organiza…Information sharing, lending and defaults: Cross-country evidence (2002)Information sharing, lending …Information Production and Capital Allocation: Decentralized versus Hierarchical Firms (2002)Information Production and Ca…Does Function Follow Organizational Form? Evidence from the Lending Practices of Large and Small Banks (2001)Does Function Follow Organiza…The Effect of Credit Market Competition on Lending Relationships (1995)The Effect of Credit Market C…Information Sharing in Credit Markets (1993)Information Sharing in Credit…Insiders and Outsiders: The Choice between Informed and Arm's-Length Debt (1992)Insiders and Outsiders: The C…Asymmetric Information, Bank Lending and Implicit Contracts: A Stylized Model of Customer Relationships (1990)Asymmetric Information, Bank …Credit Rationing in Markets with Imperfect Information (1981)Credit Rationing in Markets w…Financial statements not required (2024)Financial statements not requ…Public credit information arrangements and entrepreneurship: Evidence from China (2023)Public credit information arr…Increases in risk and in risk aversion (1974)Risk Sharing and Incentives in the Principal and Agent Relationship (1979)Corporate financing and investment decisions when firms have information that investors do not have (1984)Financial Dependence and Growth (1996)The Role of Market Forces in Assuring Contractual Performance (1981)What's different about banks? (1985)Relationship Banking: What Do We Know? (2000)Liquidity Risk, Liquidity Creation, and Financial Fragility: A Theory of Banking (2001)A more complete conceptual framework for SME finance (2006)Determinants of corporate borrowing (1977)Financial Intermediation and Delegated Monitoring (1984)Does Distance Still Matter? The Information Revolution in Small Business Lending (2002)The great reversals: the politics of financial development in the twentieth century (2003)Two Agency-Cost Explanations of Dividends (1984)What Do We Know about Capital Structure? Some Evidence from International Data (1995)A Survey of Corporate Governance (1997)Do Investment-Cash Flow Sensitivities Provide Useful Measures of Financing Constraints? (1997)Agency Costs, Net Worth, And Business Fluctuations (1988)The Benefits of Lending Relationships: Evidence from Small Business Data (1994)Financial Intermediation, Loanable Funds, and The Real Sector (1997)Credit Supply and Monetary Policy: Identifying the Bank Balance-Sheet Channel with Loan Applications (2012)The Employment Effects of Credit Market Disruptions: Firm-level Evidence from the 2008–9 Financial Crisis * (2013)Hazardous Times for Monetary Policy: What Do Twenty-Three Million Bank Loans Say About the Effects of Monetary Policy on Credit Risk-Taking? (2014)Legal Determinants of External Finance (1997)Law and Finance (1998)Bank Competition and Financial Stability (2008)The Economic Consequences of Legal Origins (2008)The Economics of Privacy (2016)Household Finance (2006)On the Rise of FinTechs: Credit Scoring Using Digital Footprints (2019)The Nature of the Firm (1937)Markets and Hierarchies: Analysis and Antitrust Implications. (1976)Specification Tests in Econometrics (1978)Distance, Lending Relationships, and Competition (2005)How does capital affect bank performance during financial crises? (2013)Discretionary disclosure (1983)Firms, Contracts, and Financial Structure (1995)Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure (2002)Fintech and banking: What do we know? (2019)Predictably Unequal? The Effects of Machine Learning on Credit Markets (2021)
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References

  • 1981Credit Rationing in Markets with Imperfect Information12,762 cited
  • 1992Insiders and Outsiders: The Choice between Informed and Arm's-Length Debt3,902 cited
  • 1995The Effect of Credit Market Competition on Lending Relationships3,294 cited
  • 2007Private credit in 129 countries☆2,798 cited
  • 2002Information Production and Capital Allocation: Decentralized versus Hierarchical Firms2,426 cited
  • 1990Asymmetric Information, Bank Lending and Implicit Contracts: A Stylized Model of Customer Relationships2,333 cited
  • 2005Does function follow organizational form? Evidence from the lending practices of large and small banks1,888 cited
  • 2008Tracing the Impact of Bank Liquidity Shocks: Evidence from an Emerging Market1,850 cited
  • 2018Fintech, regulatory arbitrage, and the rise of shadow banks1,803 cited
  • 2019The Role of Technology in Mortgage Lending1,180 cited
  • 1993Information Sharing in Credit Markets797 cited
  • 2006Should Banks Be Diversified? Evidence from Individual Bank Loan Portfolios*700 cited
  • 2002Information sharing, lending and defaults: Cross-country evidence672 cited
  • 2016The FinTech Opportunity624 cited
  • 2001Does Function Follow Organizational Form? Evidence from the Lending Practices of Large and Small Banks

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576 cited
  • 2007Banking Deregulation and Industry Structure: Evidence from the French Banking Reforms of 1985540 cited
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    • 2024Financial statements not required29 cited
    • 2023Public credit information arrangements and entrepreneurship: Evidence from China12 cited