Credit Bureau Licensing and Supervision

10.1596/34760 ◽  
2020 ◽  
Author(s):  
Keyword(s):  
Credit Bureau

REGULATORY PROCEDURES OF MICROCREDIT ORGANIZATIONS OF THE EUROPEAN COUNTRIES

2021 ◽  
Vol 4 (7) ◽  
pp. 66-71
Author(s):  
Davron Butaboev ◽  
Keyword(s):  
Small Businesses ◽  
Credit Union ◽  
European Countries ◽  
Credit Bureau

The article analyzes the practice of organizing and developing the activities of microcredit organizations, the practice of microcrediting small businesses, the formation of the legal frameworkfor the activities of microcredit organizations in the practice of the European Union.Keywords: microcredit, microfinance, microloan, pawnshop, credit union, credit bureau

Credit Risk Aversion Model During Economic Downturns and Recovery

2021 ◽  
pp. 305-322
Author(s):  
Akwesi Assensoh-Kodua
Keyword(s):  
Risk Aversion ◽  
Credit Risk ◽  
Credit Card ◽  
Consumer Credit ◽  
Financial Sector ◽  
Good News ◽  
The Third ◽  
Economic Downturns ◽  
Credit Bureau

Credit defaulting in the financial sector is a worldwide delinquency that has become a nightmare for this sector. The search for a solution to root out this problem remains a big challenge for academics, the financial sectors, and the governments. For instance, per the American Bankers Association's (ABC) Consumer Credit Delinquency Bulletin, unserviced bank cards plunged two basis points to 2.96% of all accounts between July-August 2019. This value remained below the 15-year average of 3.68%. (Per ABC, delinquency is a late payment that is 30 days or more overdue.) Though these terrifying statistics sounds like good news, the Trans Union's Industry Insights Report found that the unserviced credit card rate reached 1.81% in the third quarter of 2019, rising from 1.71% for the third quarter of 2018. These figures from the credit bureau are based on accounts that are 90 days or more overdue.

Conceptualisation of a national integrated credit bureau (NICB) in a developing country context

2013 ◽  
Vol 14 (4) ◽  
pp. 393
Author(s):  
Boluwaji A. Akinnuwesi ◽  
Faith Michael E. Uzoka ◽  
Micheal Tokunbo Adenibuyan ◽  
Badmus D. Adeyinka
Keyword(s):  
Developing Country ◽  
Credit Bureau

P52 Tracing research subjects lost to follow-up with the aid of a National Credit Bureau

1995 ◽  
Vol 16 (3) ◽  
pp. 102S
Author(s):  
Mary Ellen Vitek ◽  
Mary Biondic ◽  
Kenneth Bukowski ◽  
Jack Goldberg ◽  
William G. Henderson
Keyword(s):  
Research Subjects ◽  
Credit Bureau ◽  
Lost To Follow Up

scholarly journals Bankruptcy: Is It Enough to Forgive or Must We Also Forget?

2015 ◽  
Vol 7 (4) ◽  
pp. 294-338 ◽  
Author(s):  
Ronel Elul ◽  
Piero Gottardi
Keyword(s):  
Moral Hazard ◽  
Adverse Selection ◽  
Access To Information ◽  
Credit Access ◽  
Credit Bureau ◽  
The Impact ◽  
Regulatory Intervention

In many countries, lenders are restricted in their access to information about borrowers' past defaults. We study this provision in a model of repeated borrowing and lending with moral hazard and adverse selection. We analyze its effects on borrowers' incentives and credit access, and identify conditions under which it is welfare improving. Our model's predictions are consistent with the evidence on the impact of these credit bureau regulations on borrowers' and lenders' behavior as well as on credit provision. We also show that “forgetting” must be the outcome of a regulatory intervention. (JEL D14, D82, G33, K35, L26)

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