数字信贷的兴起与监管:印尼的经验教训(英)-2026.pdfVIP

  • 0
  • 0
  • 约8.21万字
  • 约 28页
  • 2026-02-03 发布于内蒙古
  • 举报

数字信贷的兴起与监管:印尼的经验教训(英)-2026.pdf

d

e

z

i

r

o

h

t

u

A

e

rPolicyResearchWorkingPaper11300

u

s

o

l

c

s

i

D

c

i

l

b

u

P

d

e

z

i

r

o

h

t

u

A

e

r

u

sTheRiseandRegulationofDigitalCredit

o

l

c

s

i

D

c

i

l

bLessonsfromIndonesia

u

P

SalmanAlibhai

d

eEmilyBreza

z

i

r

oMartinKanz

h

t

uFrancescoStrobbe

A

e

r

u

s

o

l

c

s

i

D

c

i

l

b

u

P

d

e

z

i

r

o

h

t

u

A

e

r

u

s

o

l

c

s

i

D

c

i

l

b

u

P

DevelopmentEconomics

DevelopmentResearchGroup

January2026

PolicyResearchWorkingPaper11300

Abstract

ThispaperexaminestheriseoffintechlendinginIndone-moreaffordableconventionalcredit.However,thisexpan-

sia,usingadatasetofmorethan139,000individualcreditsionofaccessbringsnewchallenges:defaultratesamong

recordsrepresentativeofthefullspectrumofconsumerloansborrowerswhoobtaintheirfirstloanfromadigitallender

inthecountry.Theanalysisrevealsthatfintechlendinghasare5to7percentagepointshigherthanamongborrowers

becomedeeplyembeddedinIndonesia’sfinanciallandscape,whostartwithnon-fintechloans,andelevateddefaultrisks

withmorethan40percentofborrowersholdingatleastonepersistevenafterborrowersgraduatetolower-interestrate

fintechloanattheendofthesampleperiod.Whiledigi-conventionalcredit.Thepaperconcludesbyassessingthe

tallendershaveexpandedfinancialinclusionbyreaching

您可能关注的文档

文档评论(0)

1亿VIP精品文档

相关文档