Credit reporting,financial intermediation and identification systems: International evidence |
| |
Affiliation: | 1. Decision Science Institute, School of Economics and Management, Fuzhou University, 2 Xueyuan road, Fuzhou 350116, China;2. School of Mathematics and Computer Science, Fuzhou University, 2 Xueyuan road, Fuzhou 350116, China |
| |
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 national identification system exists in a country. We present evidence derived from difference-in-difference analyses on the impact of credit reporting and identification systems on financial intermediation in 172 countries between 2000 and 2008. Our results suggest that the introduction of a mandatory identification system has a positive effect on financial intermediation (bank credit to deposits, net interest margins) and financial access (private credit to GDP), especially in countries where there is also a credit reporting system. |
| |
Keywords: | |
本文献已被 ScienceDirect 等数据库收录! |
|