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- W61045067 abstract "We develop a theoretical model that explains the primary empirical results emanating from a multi-year study of the impact of credit bureaus in Guatemala. Our theory derives “screening” and “incentive” effects of credit information systems that mitigate problems of adverse selection and moral hazard in credit markets. We also derive a “credit expansion” effect in which borrowers with clean credit records receive larger and more favorable equilibrium loan contracts. The credit expansion effect increases default rates, partially counteracting the first two effects. We create a simulation model that allows us to examine the relative magnitudes of these effects in relation to the order in which they occur. *Craig McIntosh: School of International Relations and Pacific Studies, University of California at San Diego, 9500 Gilman Drive, La Jolla, CA 92093-0519, e-mail: ctmcintosh@ucsd.edu. **Bruce Wydick: Department of Economics, 410 Cowell Hall, University of San Francisco, 2130 Fulton Street, San Francisco, CA 94117, e-mail: wydick@usfca.edu. Funding: This work was supported by BASIS/USAID , the McCarthy Foundation, and the Jesuit Foundation. We wish to thank other members of our research team, Alain de Janvry, Betty Sadoulet, Tomas Rosada, and Jill Luoto, along with helpful input from Javier Birchenall, Michael Carter, Eric Fisher, Anna Goeddeke, Gordon Hanson, Dean Karlan, Peter Kuhn, Tee Kilenthong, Margaret Miller, Chris Woodruff, and seminar participants at UC Santa Barbara, UC Berkeley, UC Davis, and the Federal Reserve Banks of Philadelphia and San Francisco for helpful comments and encouragement." @default.
- W61045067 created "2016-06-24" @default.
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- W61045067 date "2009-01-01" @default.
- W61045067 modified "2023-09-27" @default.
- W61045067 title "What Do Credit Bureaus Do? Understanding Screening, Incentive, and Credit Expansion Effects" @default.
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