NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Repossession and the Democratization of Credit

Juliano J. Assunção, Efraim Benmelech, Fernando S. S. Silva

NBER Working Paper No. 17858
Issued in February 2012

---- Acknowledgements -----

We thank Daron Acemoglu, Daniel Carvalho, Lauren Cohen, Ken French, Simon Gervais, Karl Diether, Todd Gromley, Oliver Hart, Campbell Harvey, Bengt Holmstrom, Laura Jones Dooley, Rafael La Porta, Marco Pagano, Manju Puri, Adriano Rampini, David Robinson, Andrei Shleifer, Matthew Slaughter, Jeremy Stein, Vish Vishwanathan, Amir Yaron, Rebecca Zarutskie, and seminar participants at Banca d’Italia, Brigham Young University, Boston University, The Chinese University of Hong Kong, Dartmouth (Tuck), Duke (Fuqua School of Business), Einaudi Institute for Economics and Finance, European Central Bank, the Grossman and Hart at 25 conference at the Solvay Brussels School of Economics and Management, Harvard-MIT Applied Theory seminar, HEC Paris, INSEAD, Pontifcia Universidade Católica do Rio de Janeiro,University of Southern California (Marshall), and Wharton for very helpful comments. Benmelech is grateful for financial support from the National Science Foundation under CAREER award SES-0847392. Assunção is grateful for financial support from the Consortium on Financial Systems and Poverty at University of Chicago and CNPq. Silva is grateful for financial support from CAPES and CNPq. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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