CREDIT PORTABILITY AND SPREADS: EVIDENCE IN THE BRAZILIAN MARKET

Paulo F. Azevedo,Paulo Ribeiro,Gabriela Rodrigues

Journal of Economics and Business（2019）

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摘要

•We examine impacts of the portability resolution in the Brazilian credit market.•This new law facilitates the access by borrowers to better credit conditions.•By lowering switching costs, the portability law promotes banking competition.•Spreads for types of credit susceptible to portability become significantly lower.•The portability policy reduced in 21% the average spread paid by affected borrowers.

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关键词

Credit,Portability,Competition,Spread

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