On the Impact of Credit Payment Reporting on the Financial Sector and Overall Economic Performance in Japan

The study compares the fragmented Japanese consumer credit reporting regime with a hypothetical comprehensive one. Impacts of the varying regimes — each with different types and amounts of payment information available to creditors — upon access to credit and default rates, growth in lending to the private sector and overall economic growth are examined.

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Authors: Michael A. Turner, Ph.D., Patrick Walker, M.A., Robin Varghese, Ph.D.

Topics: Credit Access, Information Policy, International Credit Reporting