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- W2941949901 abstract "Using a proprietary account‐level database from a commercial bank in China, we document that credit card holders can ease their credit constraints through the practice of cash‐out based on bogus transactions using credit cards. We find that such behaviour might be beneficial to both cardholders and banks. First, we find that a 1% increase in the cumulative number of credit card cash‐out transactions lowers the probability of default by 9.59%. Second, for private businesses, a 1% increase in the number of abnormal cash‐out transactions lowers overdue risk by 13.45%. Third, by lowering the overdue risk, the card‐issuing bank earns a larger profit. Our results are consistent with the notion that unconventional credit card cash‐out can mitigate the extent of capital misallocation in emerging markets." @default.
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- W2941949901 date "2019-04-25" @default.
- W2941949901 modified "2023-10-15" @default.
- W2941949901 title "Credit card cash‐out as informal financing: Evidence from China" @default.
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- W2941949901 doi "https://doi.org/10.1111/1467-8454.12153" @default.
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