Borrowing High vs. Borrowing Higher: Sources and Consequences of Dispersion in Individual Borrowing Costs
收藏NBER2013-05-01 更新2025-01-04 收录
下载链接：
https://www.nber.org/papers/w19069
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资源简介：
We document cross-individual variation in U.S. credit card borrowing costs (APRs) that is large enough to explain substantial differences in household saving rates. Borrower default risk and card characteristics explain roughly 40% of APRs. The remaining dispersion exists because a borrower can
提供机构：
美国国家经济研究局
创建时间：
2013-05-01
