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Replication data for: Modeling the Revolving Revolution: The Debt Collection Channel

Version
V0
Resource Type
Dataset
Creator
  • Drozd, Lukasz A.
  • Serrano-Padial, Ricardo
Publication Date
2017-03-01
Description
  • Abstract

    We investigate the role of information technology (IT) in the collection of delinquent consumer debt. We argue that the widespread adoption of IT by the debt collection industry in the 1990s contributed to the observed expansion of unsecured risky lending such as credit cards. Our model stresses the importance of delinquency and private information about borrower solvency. The prevalence of delinquency implies that the costs of debt collection must be borne by lenders to sustain incentives to repay debt. IT mitigates informational asymmetries, allowing lenders to concentrate collection efforts on delinquent borrowers who are more likely to repay.
Availability
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Relations
  • Is supplement to
    DOI: 10.1257/aer.20131029 (Text)
Publications
  • Drozd, Lukasz A., and Ricardo Serrano-Padial. “Modeling the Revolving Revolution: The Debt Collection Channel.” American Economic Review 107, no. 3 (March 2017): 897–930. https://doi.org/10.1257/aer.20131029.
    • ID: 10.1257/aer.20131029 (DOI)

Update Metadata: 2020-05-18 | Issue Number: 2 | Registration Date: 2019-12-06

Drozd, Lukasz A.; Serrano-Padial, Ricardo (2017): Replication data for: Modeling the Revolving Revolution: The Debt Collection Channel. Version: V0. ICPSR - Interuniversity Consortium for Political and Social Research. Dataset. https://doi.org/10.3886/E116148