- A-Z
- Jena Economic Resea...
- Volume 5
- Credit Reporting, A...
- Abgebildete Person
- Erschienen
- 29. Juni 2011
- Nummer des Discussion-Papers
-
2011-031
- Schlagwort(e)
-
Credit markets
identification
information asymmetries
- Zusammenfsg.
-
Credit reporting systems are an important ingredient for financial markets. These systems are based upon the unique identification of borrowers, which is enabled if a compulsory identification system exists in a country. We present evidence derived from difference-in-difference analyses on the impact of the interplay of credit reporting and identification systems on financial access and intermediation in 172 countries during years of 2000 to 2008. Our results suggest that the introduction of an identification system has a positive effect on financial intermediation (bank credit to deposits) and financial access (private credit to GDP), especially in countries where there is also a credit reporting system. This effect exists net of other country characteristics.
- article pub. typess JER
- Research article
- article languages JER
- Englisch
- JEL-Classification for JER
- G21 - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages ; O12 - Microeconomic Analyses of Economic Development ; O16 - Economic Development: Financial Markets; Saving and Capital Investment; Corporate Finance and Governance