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Credit Reporting, Access to Finance and Identification Systems: International Evidence

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  • Caterina Giannetti

    ()
    (Jena Graduate School Human Behaviour in Social and Economic Change)

  • Nicola Jentzsch

    ()
    (DIW Berlin)

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.

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Bibliographic Info

Paper provided by Friedrich-Schiller-University Jena, Max-Planck-Institute of Economics in its series Jena Economic Research Papers with number 2011-031.

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Date of creation: 30 Jun 2011
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Handle: RePEc:jrp:jrpwrp:2011-031

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Keywords: Credit markets; information asymmetries; identification;

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References

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