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WebApr 10, 2024 · Trade Shocks and Credit Reallocation. Stefano Federico, Fadi Hassan & Veronica Rappoport. Working Paper 31111. DOI 10.3386/w31111. Issue Date April 2024. This paper identifies a credit-supply contraction that arises endogenously after trade liberalization. Banks with loan portfolios concentrated in sectors exposed to competition … WebThe impact of credit scoring on consumer lending Liran Einav∗ Mark Jenkins∗∗ and Jonathan Levin∗ We study the adoption of automated credit scoring at a large auto finance company and the changes it enabled in lending practices. Credit scoring appears to have increased profits by roughly a thousand dollars per loan. is eating at night unhealthy
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