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EnglishCredit 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.
| Autori interni: | |
| Autori: | Giannetti C; Jenztsch N. |
| Titolo: | Credit Reporting, Financial Intermediation and Identification Systems: International Evidence |
| Anno del prodotto: | 2012 |
| 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. |
| Digital Object Identifier (DOI): | 10.1016/j.jimonfin.2012.10.005 |
| Appare nelle tipologie: | 1.1 Articolo in rivista |
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