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Nudge of shared information responsibilities: a meso-economic perspective of the Italian consumer credit reform

机译：共享信息责任的微调：意大利消费者信贷改革的中观经济视角

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摘要

Irrational debt decisions at the individual level may harm collective welfare. For this reason, regulators are committed to encourage information-based behaviours in order to enhance likelihood of appropriate indebtedness. We analyse, with a diff-in-diff estimator, the Italian case offered by the Legislative Decree that reformed the consumer credit market adopting European Directive 2008/48/EC, and that reinforced the mandatory information acquisition, jointly asked to lenders and borrowers, before granting/receiving consumer credit. By using micro-data on 60.000 consumer credit borrowers, in total, randomly sampled from the most relevant Italian Credit Bureau, our findings support that, in the medium term, the new consumer credit regulation has improved borrowers' repayment ability, enhancing the quality of credit distribution. Nevertheless, a simplistic 'better information-better behaviour' relationship cannot be assured. This success is likely due to conjunct adaptation of behaviours, with shared responsibilities experienced on both the demand and offer side of the consumer credit marketplace.
机译：个人层面上不合理的债务决定可能会损害集体福利。因此，监管机构致力于鼓励基于信息的行为，以增加适当债务的可能性。我们使用差异估算法分析了法令所提供的意大利案例，该法令采用了欧洲指令2008/48 / EC来改革了消费信贷市场，并强化了强制性信息获取，并联合要求贷方和借方，在授予/接收消费者信贷之前。通过使用总共60.000个消费信贷借款人的微观数据，从最相关的意大利信贷局随机抽样，我们的研究结果支持，从中期来看，新的消费信贷法规改善了借款人的还款能力，提高了借款人的质量。信用分配。然而，不能保证简单的“更好的信息-更好的行为”关系。这种成功很可能归因于行为的同时适应，在消费信贷市场的需求和提供方都承担着共同的责任。

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