Fintech Borrowers: Lax-Screening or Cream-Skimming?
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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.
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美国国家经济研究局创建时间：
2020-11-01
