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

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Listed author(s):
  • 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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Paper provided by Friedrich-Schiller-University Jena in its series Jena Economic Research Papers with number 2011-031.

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Date of creation: 30 Jun 2011
Handle: RePEc:jrp:jrpwrp:2011-031
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Keywords: Credit markets; information asymmetries; identification;

Find related papers by JEL classification:

  • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
  • O12 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Microeconomic Analyses of Economic Development
  • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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