The Relationships Between Credit Information Sharing, Credit Access And Defaults Payment: Panel Data From 30 Countries

The objective of this paper is to study the effect of credit information sharing on the access to credit and defaults payment. Using Panel data analysis over a rich dataset from 30 countries for the period 1997 to 2015, we come up with the following results that suggest that information sharing between lenders by means of private or public credit bureau facilitates credit access and reduces repayment loans problems Specifically, the process of sharing credit information improves access to credit by approximately 5%, and decreases the incidence of defaults by 1.5%.