Please use this identifier to cite or link to this item: http://hdl.handle.net/10419/56842
Authors: 
Giannetti, Caterina
Jentzsch, Nicola
Year of Publication: 
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

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