Credit Reporting and Financial Intermediation: 'Make or Buy' Decisions in Relationship and Transaction Banking (Credit Reporting E Intermediazione Creditizia: Scelte Di 'Make or Buy' Tra Relationship E Transaction Banking)

Economia e Diritto del Terziario, n. 3, 2015, pp. 401-430

Posted: 25 Jan 2016

See all articles by Enzo Scannella

Enzo Scannella

University of Palermo - d/SEAS

Date Written: December 1, 2015

Abstract

This paper adopts a business management perspective of studies to examine the role of the credit information market in the bank lending industry. This paper analyzes the credit information market as a particular case of vertical disintegration in the bank credit origination value chain. The main aim is to identify the relevant drivers which lead to vertical disintegration of the credit origination value chain in banking. The structure of this paper is as follows. Section 1 introduces the paper. Section 2 reviews the literature on economics of information in the credit market. Section 3 reviews the literature on the role of the credit information market. Section 4 examines the different types of information providers. Section 5 analyses the different structures of credit reporting. Section 6 analyzes the bank decisions to make or buy credit reporting in the lending activity. Section 7 examines the credit reporting market within a relationship and transaction banking perspective. Section 8 concludes.

Keywords: credit reporting, lending, relationship banking, transaction banking

JEL Classification: G01, G20, G21, G32, M10, M20, M21

Suggested Citation

Scannella, Enzo, Credit Reporting and Financial Intermediation: 'Make or Buy' Decisions in Relationship and Transaction Banking (Credit Reporting E Intermediazione Creditizia: Scelte Di 'Make or Buy' Tra Relationship E Transaction Banking) (December 1, 2015). Economia e Diritto del Terziario, n. 3, 2015, pp. 401-430. Available at SSRN: https://ssrn.com/abstract=2721397

Enzo Scannella (Contact Author)

University of Palermo - d/SEAS ( email )

Viale delle Scienze, edificio 13
Palermo, 90124
Italy
+3909123895305 (Phone)
+39091489346 (Fax)

HOME PAGE: http://www.enzoscannella.com

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