Screening with Cash Deposits in Digital Credit Markets
收藏NBER2026-03-01 更新2026-04-04 收录
下载链接：
https://www.nber.org/papers/w35001
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资源简介：
We study a loan contract that requires borrowers to make a temporary cash deposit prior to disbursement, which is fully refunded and does not alter repayment incentives. In a randomized controlled trial with a digital lender, applicants are offered otherwise identical loans with or without a deposit
提供机构：
美国国家经济研究局
创建时间：
2026-03-01
