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[{"key": "dc.contributor.advisor", "value": "Junttila, Juha-Pekka", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.advisor", "value": "Lehkonen, Heikki", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.advisor", "value": "Pehkonen, Jaakko", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Valtonen, Petra", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2023-08-18T10:27:10Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2023-08-18T10:27:10Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2023", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/88588", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "T\u00e4m\u00e4 pro gradu \u2013tutkielma tutkii Suomessa kev\u00e4\u00e4ll\u00e4 2024 k\u00e4ytt\u00f6\u00f6n tulevan Positiivisen luottotietorekisterin vaikutusta kuluttajaluottoja my\u00f6nt\u00e4vien luotonantajien luotonmy\u00f6nt\u00f6prosessiin. Positiivinen luottotietorekisteri on valmisteilla oleva rekisteri, joka ker\u00e4\u00e4 ja kokoaa tiedot kuluttajien luotoista sek\u00e4 tuloista. 2026 rekisteriin lis\u00e4t\u00e4\u00e4n tiedot luonnollisille henkil\u00f6ille elinkeinotoimintaa varten my\u00f6nnetyist\u00e4 luotoista. Rekisterin kehitt\u00e4j\u00e4n\u00e4 sek\u00e4 sen yll\u00e4pit\u00e4j\u00e4n\u00e4 toimii Verohallinnon Tulorekisteriyksikk\u00f6, jonka kanssa t\u00e4m\u00e4 tutkimus on tehty yhteisty\u00f6ss\u00e4. Luottotietorekistereit\u00e4 voidaan pit\u00e4\u00e4 vastauksena ep\u00e4symmetriseen informaatioon. Ep\u00e4symmetrisell\u00e4 informaatiolla tarkoitetaan tilannetta, jossa transaktion yhdell\u00e4 osapuolella on enemm\u00e4n informaatiota kuin toisella. Luottotietorekisterit ovat maailmalla hyvin yleisi\u00e4 ja Suomi onkin yksi harvoista EU-maista, joissa positiivista luottotietorekisteri\u00e4 ei ole viel\u00e4 k\u00e4yt\u00f6ss\u00e4. \n\nTutkimuksen tavoitteena oli selvitt\u00e4\u00e4, miten luotonantajat odottavat, ett\u00e4 positiivinen luottotietorekisteri tulee vaikuttamaan heid\u00e4n luotonmy\u00f6nt\u00f6prosessiinsa. Tutkimuksessa osana luotonmy\u00f6nt\u00f6prosessia n\u00e4hd\u00e4\u00e4n itse luotonmy\u00f6nt\u00f6prosessiin liittyv\u00e4t yksityiskohdat, joita ovat mm. s\u00e4hk\u00f6inen asiakkaan tunnistaminen, automatisoitu luottop\u00e4\u00e4t\u00f6s ja luottokelpoisuuden arviointi. Lis\u00e4ksi osana prosessia voidaan n\u00e4hd\u00e4 hinnoittelu, kustannukset sek\u00e4 riskit. Tutkimus toteutettiin kvantitatiivisena kyselytutkimuksena kyselylomakkeella, jossa kohderyhm\u00e4n\u00e4 oli Suomessa kuluttajaluottoja my\u00f6nt\u00e4v\u00e4t luotonantajat. 21 luotonantajaa vastasi kyselyyn. \n\nT\u00e4m\u00e4n opinn\u00e4ytety\u00f6n tulosten mukaan positiivinen luottotietorekisteri tulee vaikuttamaan Suomen v\u00e4hitt\u00e4islainamarkkinoiden luotonantajien luotonantoprosesseihin. Vaikutukset vaihtelevat erityyppisten luotonantajien v\u00e4lill\u00e4. Siit\u00e4 huolimatta, ett\u00e4 luotonantajien ryhm\u00e4 on monimuotoinen, tulokset olivat melko yhdenmukaisia. Voidaan sanoa, ett\u00e4 vaikka lainanantajat n\u00e4kev\u00e4t positiivisessa luottotietorekisteriss\u00e4 my\u00f6s kustannuksia ja riskej\u00e4, suurin osa heist\u00e4 suhtautuu optimistisesti ja he n\u00e4kev\u00e4t paljon mahdollisuuksia p\u00e4ivitt\u00e4\u00e4 luotonmy\u00f6nt\u00f6prosessejaan ja -j\u00e4rjestelmi\u00e4\u00e4n t\u00e4m\u00e4n muutoksen yhteydess\u00e4.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "This master's thesis examines the impact of the Positive credit register, which will come into use in Finland in the spring of 2024, on the lending process of lenders granting loans for consumers. The Positive credit register is a new register that will collect and compile information about consumers' credit and income. In 2026, information on loans granted to natural persons for business activities will also be added to the register. The Income Register Unit of the Tax Administration acts as the developer and administrator of the register and this study is conducted in a collaboration with them. Credit registers are considered to be a response to the problem of asymmetric information. Asymmetric information refers to a situation where one part of the transaction has more information than the other. Credit registers are globally very common, and Finland is one of the few EU countries where a Positive credit register is not yet in use.\n\nThe aim of the study was to find out how lenders expect that the Positive register will affect their lending process. In this study, as a part of the lending process is seen details such as electronic customer identification, automated credit decision and credit-worthiness assessment. In addition, pricing, costs and risks are also considered as a part of the process. The research was conducted by using a quantitative survey, where the target group was the lenders who grant loans for consumer in Finland. 21 lenders responded to the survey.\n\nAccording to the results of this thesis, the Positive credit register will affect the lending processes of the lenders in the Finnish retail credit market and the effects vary between different type of lenders. Still, even in this complex group of operators, the results were fairly consistent. Overall, it seems that although the lenders see costs and some risks in the Positive credit register, most of them are optimistic and see lot of potential to upgrade their lending processes and systems in connection with this change.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2023-08-18T10:27:10Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2023-08-18T10:27:10Z (GMT). No. of bitstreams: 0\n Previous issue date: 2023", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "55", "language": "", "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.language.iso", "value": "eng", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": null, "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "credit register", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "asymmetric information", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "lending", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Impact of positive credit register on the lending process in Finnish retail credit market", "language": "", "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-202308184686", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4 University School of Business and Economics", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4n yliopiston kauppakorkeakoulu", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Taloustieteet", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Business and Economics", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Taloustiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Economics", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "yvv.contractresearch.collaborator", "value": "public", "language": "", "element": "contractresearch", "qualifier": "collaborator", "schema": "yvv"}, {"key": "yvv.contractresearch.funding", "value": "0", "language": "", "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "yvv.contractresearch.initiative", "value": "student", "language": "", "element": "contractresearch", "qualifier": "initiative", "schema": "yvv"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.copyright", "value": "\u00a9 The Author(s)", "language": null, "element": "rights", "qualifier": "copyright", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.subject.oppiainekoodi", "value": "2041", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "luotonanto", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "luottomarkkinat", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "positiiviset luottotietorekisterit", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "credit granting", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "credit market", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "positive credit registers", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}]
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