An Empirical Study of the Credit Market with Unobserved Consumer Typers
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This paper proposes an econometric model to identify unobserved consumer types in the credit market. Consumers choose different amounts of loan because of differences in their time or risk preferences (types). Thus, the unconditional probability of default is modeled using a mixture density
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美国国家经济研究局创建时间：
2008-03-01
