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Title:Credit Reporting, Access to Finance and Identification Systems: International Evidence PDF Logo
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
Document Type:Working Paper
Appears in Collections:Jena Economic Research Papers (2007-2014), Max-Planck-Institut für Ökonomik und Universität Jena
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