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

  • Caterina Giannetti

    ()

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

  • Nicola Jentzsch

    ()

    (DIW Berlin)

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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File URL: http://pubdb.wiwi.uni-jena.de/pdf/wp_2011_031.pdf
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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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  1. Charles M. Kahn & William Roberds, 2005. "Credit and identity theft," Conference Series ; [Proceedings], Federal Reserve Bank of Boston.
  2. Beck, Thorsten & Demirguc-Kunt, Asli & Martinez Peria, Maria Soledad, 2006. "Banking services for everyone ? Barriers to bank access and use around the world," Policy Research Working Paper Series 4079, The World Bank.
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  8. Rafael La Porta & Florencio Lopez-de-Silane & Andrei Shleifer & Robert W. Vishny, 1996. "Law and Finance," NBER Working Papers 5661, National Bureau of Economic Research, Inc.
  9. Jappelli, Tullio & Pagano, Marco, 1991. "Information Sharing in Credit Markets," CEPR Discussion Papers 579, C.E.P.R. Discussion Papers.
  10. Gehrig, Thomas, 1998. "Screening, cross-border banking, and the allocation of credit," Research in Economics, Elsevier, vol. 52(4), pages 387-407, December.
  11. Beck, Thorsten & Demirguc-Kunt, Asli & Martinez Peria, Maria Soledad, 2005. "Reaching out : access to and use of banking services across countries," Policy Research Working Paper Series 3754, The World Bank.
  12. Gine, Xavier & Goldberg, Jessica & Yang, Dean, 2010. "Identification strategy : a field experiment on dynamic incentives in rural credit markets," Policy Research Working Paper Series 5438, The World Bank.
  13. Keith B. Anderson & Erik Durbin & Michael A. Salinger, 2008. "Identity Theft," Journal of Economic Perspectives, American Economic Association, vol. 22(2), pages 171-192, Spring.
  14. Abadie, Alberto & Diamond, Alexis & Hainmueller, Jens, 2010. "Synthetic Control Methods for Comparative Case Studies: Estimating the Effect of California’s Tobacco Control Program," Journal of the American Statistical Association, American Statistical Association, vol. 105(490), pages 493-505.
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