| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w25694 |
| 来源ID | Working Paper 25694 |
| The Relationship Dilemma: Why Do Banks Differ in the Pace at Which They Adopt New Technology? | |
| Prachi Mishra; Nagpurnanand R. Prabhala; Raghuram G. Rajan | |
| 发表日期 | 2019-04-01 |
| 出版年 | 2019 |
| 语种 | 英语 |
| 摘要 | India introduced credit scoring technology in 2007. We study its adoption by the two main types of banks operating there, new private banks (NPBs) and state-owned public sector banks (PSBs). NPBs start checking the credit scores of most borrowers before lending soon after the technology is introduced. PSBs do so equally quickly for new borrowers but very slowly for prior clients, although lending without checking scores is reliably associated with more delinquencies. We show that an important factor explaining the difference in adoption is the stickiness of past bank structures and associated managerial practices. Past practices hold back better practices today. |
| 主题 | Financial Economics ; Financial Institutions ; Development and Growth ; Innovation and R& ; D ; Other ; Economic Systems |
| URL | https://www.nber.org/papers/w25694 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/583368 |
| 推荐引用方式 GB/T 7714 | Prachi Mishra,Nagpurnanand R. Prabhala,Raghuram G. Rajan. The Relationship Dilemma: Why Do Banks Differ in the Pace at Which They Adopt New Technology?. 2019. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w25694.pdf（1121KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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