'No More Credit Score': Employer Credit Check Bans and Signal Substitution
'No More Credit Score': Employer Credit Check Bans and Signal Substitution
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“不再有信用评分”：雇主信用检查禁令和信号替代
DOI：
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发表时间：
2016
期刊：
影响因子：
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通讯作者：
D. Shoag
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文献类型：
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作者：
R. Clifford;D. Shoag
在过去的十年里，大多数州已经禁止或考虑禁止在招聘决策中使用信用检查，这是一种被雇主广泛使用的筛选工具。使用新的Equifax关于雇主信用检查的数据，联邦储备银行纽约消费者信用小组/Equifax数据，以及LEHD原籍-目的地就业数据，我们表明，这些禁令增加了信用评分最低的人口普查区居民的就业。最大的增长发生在高薪工作和政府部门。与此同时，通过使用一个大型的招聘信息数据库，我们发现雇主对申请人工作表现的其他信号的需求增加了，比如教育和经验。净而言，这些禁令引起的变化对那些中低信用评分的人、22岁以下的人和黑人产生了相对更糟糕的结果，而黑人通常被认为是从此类立法中受益的群体。
In the past decade, most states have banned or considered banning the use of credit checks in hiring decisions, a screening tool that is widely used by employers. Using new Equifax data on employer credit checks, the Federal Reserve Bank of New York Consumer Credit Panel/Equifax data, and the LEHD Origin-Destination Employment data, we show that these bans increased employment of residents in the lowest-credit score census tracts. The largest gains occurred in higher-paying jobs and in the government sector. At the same time, using a large database of job postings, we show that employers increased their demand for other signals of applicants’ job performance, like education and experience. On net, the changes induced by these bans generate relatively worse outcomes for those with mid-to-low credit scores, for those under 22 years of age, and for blacks, groups commonly thought to benefit from such legislation.