Fintech Borrowers: Lax-Screening or Cream-Skimming?
收藏NBER2020-11-01 更新2025-01-04 收录
下载链接：
https://www.nber.org/papers/w28021
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资源简介：
We study the personal credit market using unique individual-level data covering fintech and traditional lenders. We show that fintech lenders acquire market share by first lending to higher-risk borrowers and then to safer borrowers, and mainly rely on hard information to make credit decisions.
提供机构：
美国国家经济研究局
创建时间：
2020-11-01
