Academic studies

As Global Credit Data data has built up over time, so have the number of studies using Global Credit Data data. The publications have taken various forms:

  • Academic studies on the full Global Credit Data data set under special agreement
  • Academic studies by interns or staff at member banks, using that bank's view of the data set
  • Publications by GCD

All of the studies have been brought together in a central reference point in Google Scholar under Global Credit Data's name (although Global Credit Data has not authored the papers):   


GCD Google Scholar


Note: GCD is promoting academic research on its data. Our Academic Research Committee is ensuring that in line with GCD's internal procedures. Also member banks can use their view of the GCD data to perform research. The publication should come with appropriate references (please contact GCD for standard language elements). GCD requires the following conditions to be applied when such research is to be published.

  • The member bank is required to apply similar controls and conditions as GCD does in order to fulfil their membership duties
  • The reference to the sponsor shall be to the member bank authorising the research, not to GCD
  • Reference shall be made to the fact that GCD data is used but making it clear that the data used is merely a sub-sample available to the member bank and is not the same as the total GCD data set
  • The research document or publication is encouraged to be made available to member banks through GCD and the researcher plus the sponsoring bank is encouraged to present their research to the General Meeting or another suitable forum  

Research inquiries 

Global Credit Data allows selected academics access to the Global Credit Data database under special agreements where the area of research could be of interest to the financial community.  Interested qualified academics are encouraged to contact Global Credit Data for further discussions.

Send an email directly to : Nunzia Rainone  @


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