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

Author Info

  • 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
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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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  1. Gehrig, Thomas, 1998. "Screening, Cross-Border Banking and the Allocation of Credit," CEPR Discussion Papers 1973, C.E.P.R. Discussion Papers.
  2. Guido W. Imbens & Jeffrey M. Wooldridge, 2009. "Recent Developments in the Econometrics of Program Evaluation," Journal of Economic Literature, American Economic Association, vol. 47(1), pages 5-86, March.
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  6. Charles M. Kahn & William Roberds, 2005. "Credit and identity theft," FRB Atlanta Working Paper 2005-19, Federal Reserve Bank of Atlanta.
  7. Shleifer, Andrei & Djankov, Simeon & McLiesh, Caralee, 2007. "Private credit in 129 countries?," Scholarly Articles 27867134, Harvard University Department of Economics.
  8. Honohan, Patrick, 2008. "Cross-country variation in household access to financial services," Journal of Banking & Finance, Elsevier, vol. 32(11), pages 2493-2500, November.
  9. 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.
  10. Djankov, Simeon & McLiesh, Caralee & Shleifer, Andrei, 2007. "Private credit in 129 countries," Journal of Financial Economics, Elsevier, vol. 84(2), pages 299-329, May.
  11. 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.
  12. Jappelli, Tullio & Pagano, Marco, 1991. "Information Sharing in Credit Markets," CEPR Discussion Papers 579, C.E.P.R. Discussion Papers.
  13. Bester, Helmut, 1985. "Screening vs. Rationing in Credit Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 75(4), pages 850-55, September.
  14. Stephen G. Donald & Kevin Lang, 2007. "Inference with Difference-in-Differences and Other Panel Data," The Review of Economics and Statistics, MIT Press, vol. 89(2), pages 221-233, May.
  15. 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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