Powered by digital technologies, many peer-to-peer platforms, or what is called the sharing economy, have emerged in the past decade. Although the impact of the sharing economy has received considerable attention over the past few years, extant research has not fully documented the impact of the sharing economy on consumers, workers, industry, or society as a whole. In this study, we exploit the geographical and temporal variation in Uber’s entry to examine its impact on the personal bankruptcy rate as well as on other consumer credit default rates. We empirically document the changes in personal bankruptcy filings after Uber’s entry, and show that personal bankruptcy filings under Chapter 7 experience a drop of 0.047 per 1,000 people after Uber enters a county, which translates to a 3.26% reduction in quarterly bankruptcy filings. Uber’s entry also leads to a reduction in Chapter 13 personal bankruptcy filings, but to a smaller degree (0.018 cases per 1,000 people per quarter). We check the validity of our estimates using business bankruptcy filings, which we find are uncorrelated with Uber’s entry.

中文翻译：

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共享经济对家庭破产的影响

在数字技术的推动下，在过去十年中出现了许多点对点平台或所谓的共享经济。尽管共享经济的影响在过去几年中受到了相当多的关注，但现有的研究并没有充分记录共享经济对消费者、工人、行业或整个社会的影响。在这项研究中，我们利用优步进入的地理和时间变化来检验其对个人破产率以及其他消费者信用违约率的影响。我们经验性地记录了 Uber 进入后个人破产申请的变化，并显示在 Uber 进入一个县后，第 7 章下的个人破产申请每千人下降 0.047，这意味着季度破产申请减少了 3.26%。优步的加入也导致第 13 章个人破产申请减少，但幅度较小（每季度每 1,000 人 0.018 例）。我们使用商业破产申请来检查我们估计的有效性，我们发现这与优步的进入无关。