Facilitating Access to Finance, OECD Discussion Paper on Credit Information Sharing


Abstract: Often, firms’ access to finance is constrained by the availability of information on their credit worthiness. Public and private credit registries exist to improve the information available on borrowing firms (and individuals), in an effort to ease financing constraints. The information they make available – from a borrower’s total number of current loans, repayment history, previous bankruptcies, etc. – can allow lenders to extend greater credit at more favourable interest rates. This paper reviews the theory behind the positive impact of credit information sharing and the regulatory and practical design of registries in OECD and non-OECD countries.

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