Buy Now, Pay Later Credit: User Characteristics and Effects on Spending Patterns
收藏NBER2022-10-01 更新2025-01-04 收录
下载链接：
https://www.nber.org/papers/w30508
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资源简介：
Firms offering buy now, pay later (BNPL) point-of-sale installment loans with minimal underwriting and low interest have captured a growing fraction of the market for short-term unsecured consumer credit. We provide a detailed look into the US BNPL market by constructing a large panel of BNPL users
提供极简风控审核、低息的先买后付（Buy Now, Pay Later, BNPL）销售点分期付款贷款的放贷机构，已在短期无抵押消费信贷市场中占据了日益扩大的份额。我们通过构建覆盖大量先买后付用户的大型面板数据集，对美国先买后付市场展开了详尽的剖析。
提供机构：
美国国家经济研究局
创建时间：
2022-10-01
