Credit information sharing and loan default in developing countries: the moderating effect of banking market concentration and national governance quality
| Autor: | Collins G. Ntim, Samuel Fosu, Albert Danso, Emmanuel Adegbite, Henry Agyei-Boapeah |
|---|---|
| Jazyk: | angličtina |
| Rok vydání: | 2020 |
| Předmět: |
050208 finance
Corporate governance Information sharing media_common.quotation_subject 05 social sciences Developing country Financial system 050201 accounting Market concentration Governance quality General Business Management and Accounting Developing countries Banking market concentration Corporate finance Country level Accounting 0502 economics and business Credit information sharing Default Quality (business) Business Developed country Finance media_common |
| ISSN: | 0924-865X 1573-7179 |
| Popis: | The file attached to this record is the author's final peer reviewed version. The Publisher's final version can be found by following the DOI link. Departing 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 nine-year period (i.e., over 6,300 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. |
| Databáze: | OpenAIRE |
| Externí odkaz: |
|
Full text from SpringerLink