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Jena Economic Research Papers, MPI für Ökonomik >
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http://hdl.handle.net/10419/56842
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| Title: | | Credit Reporting, Access to Finance and Identification Systems: International Evidence  |
| Authors: | | Giannetti, Caterina Jentzsch, Nicola |
| Issue Date: | | 2011 |
| Series/Report no.: | | Jena economic research papers 2011,031 |
| Abstract: | | 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. |
| Subjects: | | credit markets information asymmetries identification |
| JEL: | | G21 O12 O16 |
| Document Type: | | Working Paper |
| Appears in Collections: | | Publikationen von Forscherinnen und Forschern des DIW Jena Economic Research Papers, MPI für Ökonomik
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