1 edition of Adverse selection and the market for consumer credit found in the catalog.
|Statement||Loughborough University Banking Centre|
|Publishers||Loughborough University Banking Centre|
|The Physical Object|
|Pagination||xvi, 110 p. :|
|Number of Pages||68|
|2||LUBC research paper series -- no.70|
nodata File Size: 1MB.
If the author has no such interests to disclose, no statement is provided. Access to credit also plays a crucial role in helping an economy successfully exit from the pandemic doldrums.
Unless a state chooses to combine its individual and small group markets, separate risk adjustment systems operate in each market. However, if not accompanied by other regulatory measures, these provisions could have unintended consequences for the insurance market. This is an interesting example of a type of dynamic adverse selection that can worsen the risk characteristics of new lending, and suggests another avenue by which the precautionary demand for liquidity may affect borrowing.
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Please be on-topic and patient: Comments are moderated and will not appear until they have been reviewed to ensure that they are substantive and clearly related to the topic of the post. home equity lines of credit, we use county-level aggregates of these loans to estimate panel regressions on the characteristics of the borrowers and their loans, and competing risk hazard regressions on the outcomes of the loans.
In general, our study supports the idea that extending credit to individuals with good investment ideas improves economic mobility and reduces income inequality.
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However, insurers may still try to attract healthier clients by making their products unattractive to people with expensive health conditions e.
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