Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/299290 
Year of Publication: 
2024
Series/Report no.: 
MNB Working Papers No. 2024/1
Publisher: 
Magyar Nemzeti Bank, Budapest
Abstract: 
We exploit a nation-wide introduction of mandatory disclosure of borrowers' total credit exposures and show that sharing such information increases credit access independent of borrowers' history. Differentiating between borrowers applying to competitor banks and those reapplying to their current banks, as well as between borrowers with and without default history, we find an overall increase in credit access measured by both loan application acceptance and credit amount. While credit access increases, default rates decrease, generating an increase in aggregate welfare.
Subjects: 
information sharing
bank lending
household access to credit
JEL: 
G21
G28
Document Type: 
Working Paper

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