Financial Regulation And Competition how shared data may reduce information asymmetry in the Brazilian lending market
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Esse artigo (i) avalia a relevância de informação/dados no mercado de crédito; (ii) aborda se a competição nos mercados de empréstimo pode ser compatível com (ou corrosiva à) estabilidade financeira; e (iii) estuda o papel do Banco Central do Brasil como a autoridade adequada para fomentar a competição entre instituições de crédito. O artigo conclui que a concorrência no mercado de crédito pode ser fomentada por regras que estimulem concorrentes a compartilhar dados sobre seus produtos e clientes entre si – especialmente regras visando empoderar bureaus de crédito e a iniciativa de open banking
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