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　　分類: 图书,进口原版书,经管与理财 Business & Investing ,

作者： Margaret J. Miller 著

出 版 社：

出版时间： 2003-4-1字数：版次： 1页数： 453印刷时间： 2003/04/01开本： 16开印次： 1纸张： 铜版纸I S B N ： 9780262134224包装： 精装编辑推荐

作者简介

Margaret J. Miller is Senior Economist at the World Bank.

内容简介

Credit reporting is a critical part of the financial system in most developed economies but is often weak or absent in developing countries. It addresses a fundamental problem of credit markets: asymmetric information between borrowers and lenders that can lead to adverse selection and moral hazard. The heart of a credit report is the record it provides of an individual's or a firm's payment history, which enables lenders to evaluate credit risk more accurately and lower loan processing time and costs. Credit reports also strengthen borrower discipline, since nonpayment with one institution results in sanctions with others.

This book provides the first comprehensive review of credit reporting systems worldwide and documents the rapid growth in the industry. It offers empirical and theoretical evidence of the impact of credit reporting on financial markets, using examples from both developed and developing economies. Credit reporting, it shows, significantly contributes to predicting default risk of potential borrowers, which promotes increased lending activity. The book also covers the role of public policy in the development of credit reporting initiatives, including the role of public credit registries managed by central banks; and the role of legal, regulatory, and institutional factors in supporting credit reporting.

目录

Foreword vii

Acknowledgments

Introduction

Margaret J. Miller

I Institutional Arrangements for Credit Reporting

1 Credit Reporting Systems around the Globe: The State of the

Art in Public Credit Registries and Private Credit Reporting

Firms

Margaret J. Miller

2 Public Credit Information: A European Perspective

Tullio Jappelli and Marco Pagano

3 Credit Reporting Agencies: A Historical Perspective

Rowena Olegario

II The Role of Credit Reporting Data in Financial Systems

4 Credit Information and Market Performance: The Case of

Chile

Kevin Cowan and Jose De Gregorio

5 Private Business Information Exchange in the United

States

Jarl G. Kallberg and Gregory F. Udell

6The Use of Public Credit Registry Information in the

Estimation of Appropriate Capital and Provisioning

Requirements

Falkenheim and Andrew Powell

7Relationship Lending in the Argentine Small Business Credit

Market

Allen N. Berger, Leora F. Klapper, Margaret J. Miller, and

Gregory F. Udell

III The Impact of Public Policies on Credit Reporting

8 The Value of Comprehensive Credit Reports: Lessons from

the U.S. Experience

John M. Barron and Michael Staten

9Privacy Restrictions and the Use of Data at Credit

Registries

Raphael W. Bostic and Paul S. Calem

10 Segmentation and the Use of Information in Brazilian Credit

Markets

Armando Castelar Pinheiro and Alkimar Moura

11 Regulation of Personal Data Protection and of Credit

Reporting Firms: A Comparison of Selected Countries of Latin

America,the United States, and the European Union

Rafael del Villar, Alejandro Diaz de Ledn, and Johanna Gil

Hubert

Directory of Credit Reporting Firms around the World

Index

 

 

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