The impact of functional characteristics of a credit bureau on per capita level of indebtedness : evidence from East European countries

Simović, Vladimir and Vasković, Vojkan and Ranković, Marko and Malinić, Slobodan (2011) The impact of functional characteristics of a credit bureau on per capita level of indebtedness : evidence from East European countries. Baltic journal of economics, 11 (2). pp. 101-130. ISSN 1406-099X

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Abstract

The institution of the credit bureau is one of the most important elements in controlling the indebtedness levels of a population. All credit bureaus have specific functional characteristics which are able to influence the development of indebtedness. This research aims to identify the most important characteristics of a credit bureau, to quantify those characteristics and to identify causal relationships between the characteristics of the credit bureau and trends in indebtedness per capita levels. The paper introduces the Credit Bureau Functional Index which presents a quantified value of the functional characteristics of the Credit Bureau. The paper establishes a correlation between this index and indebtedness per capita and finds the formula governing this relationship to be linear. The paper concludes that indebtedness levels can be targeted through a mix of characteristics of a credit bureau. Research on this theme is absent in academic literature to date.

Item Type: Article
Additional Information: COBISS.ID=512905308
Uncontrolled Keywords: credit bureau, credit information, personal indebtedness, coverage ratio, functional characteristic
Subjects: H Social Sciences > H Social Sciences (General)
Depositing User: Jelena Banovic
Date Deposited: 24 Oct 2016 11:41
Last Modified: 24 Oct 2016 11:41
URI: http://ebooks.ien.bg.ac.rs/id/eprint/817

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