Credit Reporting and Financing Constraints PDF Download
Are you looking for read ebook online? Search for your book and save it on your Kindle device, PC, phones or tablets. Download Credit Reporting and Financing Constraints PDF full book. Access full book title Credit Reporting and Financing Constraints by Inessa Love. Download full books in PDF and EPUB format.
Author: Inessa Love
Publisher: World Bank Publications
ISBN: 0031110134
Category : Credit bureaus
Languages : en
Pages : 33
Get Book
Book Description
The authors combine firm-level data from the World Bank Business Environment Survey (WBES) with data on private and public credit registries to investigate whether the presence of a credit registry in a country is associated with lower financing constraints, as perceived by managers, and with higher share of bank financing. They find that the existence of private credit registries is associated with lower financing constraints and higher share of bank financing, while the existence of public credit registries does not seem to have a significant effect on these perceived financing constraints. The authors also find that small- and medium-sized firms tend to have a higher share of bank financing in countries where private registries exist and stronger rule of law is associated with more effective private credit registries. Finally, the authors find some evidence that the presence of a public credit registry benefits younger firms relatively more than older firms.
Author: Inessa Love
Publisher: World Bank Publications
ISBN: 0031110134
Category : Credit bureaus
Languages : en
Pages : 33
Get Book
Book Description
The authors combine firm-level data from the World Bank Business Environment Survey (WBES) with data on private and public credit registries to investigate whether the presence of a credit registry in a country is associated with lower financing constraints, as perceived by managers, and with higher share of bank financing. They find that the existence of private credit registries is associated with lower financing constraints and higher share of bank financing, while the existence of public credit registries does not seem to have a significant effect on these perceived financing constraints. The authors also find that small- and medium-sized firms tend to have a higher share of bank financing in countries where private registries exist and stronger rule of law is associated with more effective private credit registries. Finally, the authors find some evidence that the presence of a public credit registry benefits younger firms relatively more than older firms.
Author: Inessa Love
Publisher:
ISBN:
Category :
Languages : en
Pages : 33
Get Book
Book Description
Love and Mylenko combine firm-level data from the World Bank Business Environment Survey (WBES) with data on private and public credit registries to investigate whether the presence of a credit registry in a country is associated with lower financing constraints, as perceived by managers, and with higher share of bank financing. They find that the existence of private credit registries is associated with lower financing constraints and higher share of bank financing, while the existence of public credit registries does not seem to have a significant effect on these perceived financing constraints. The authors also find that small- and medium-sized firms tend to have a higher share of bank financing in countries where private registries exist and stronger rule of law is associated with more effective private credit registries. Finally, the authors find some evidence that the presence of a public credit registry benefits younger firms relatively more than older firms.This paper - a product of Finance, Development Research Group - is part of a larger effort in the group to study access to finance.
Author: Nicola Jentzsch
Publisher: Springer Science & Business Media
ISBN: 3540733787
Category : Political Science
Languages : en
Pages : 289
Get Book
Book Description
In this updated edition, author Nicola Jentzsch provides an in-depth analysis of the economics and regulation of financial privacy. You get a comparative overview of credit reporting systems in the US and in the 27 member states of the European Union. This is the "most in-depth study of the history and economics of credit reporting to date," according to David Medine, former Associate Director of the U.S. Federal Trade Commission.
Author: Margaret J. Miller
Publisher: MIT Press
ISBN: 9780262134224
Category : Business & Economics
Languages : en
Pages : 484
Get Book
Book Description
The first comprehensive review of credit reporting systems worldwide, including their institutional forms and evidence of their impact on financial markets. Credit reporting is a critical part of the financial system in most developed economies but is often weak or absent in developing countries. It addresses a fundamental problem of credit markets: asymmetric information between borrowers and lenders that can lead to adverse selection and moral hazard. The heart of a credit report is the record it provides of an individual's or a firm's payment history, which enables lenders to evaluate credit risk more accurately and lower loan processing time and costs. Credit reports also strengthen borrower discipline, since nonpayment with one institution results in sanctions with others. This book provides the first comprehensive review of credit reporting systems worldwide and documents the rapid growth in the industry. It offers empirical and theoretical evidence of the impact of credit reporting on financial markets, using examples from both developed and developing economies. Credit reporting, it shows, significantly contributes to predicting default risk of potential borrowers, which promotes increased lending activity. The book also covers the role of public policy in the development of credit reporting initiatives, including the role of public credit registries managed by central banks; and the role of legal, regulatory, and institutional factors in supporting credit reporting.
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 242
Get Book
Book Description
Author: Simeon Djankov
Publisher: World Bank Publications
ISBN: 9780821353417
Category : Juvenile Nonfiction
Languages : en
Pages : 222
Get Book
Book Description
A co-publication of the World Bank, International Finance Corporation and Oxford University Press
Author: Nicola Jentzsch
Publisher: Springer Science & Business Media
ISBN: 3790817384
Category : Political Science
Languages : en
Pages : 302
Get Book
Book Description
This book provides the first in-depth analysis of the topic, offering an international comparison of credit reporting systems. Coverage includes competition in information markets, the microeconomics of information and privacy, and economic incentives to disclose or to conceal information. The book examines the history of credit reporting agencies and the regulation of privacy and credit reporting around the world. Finally, it surveys the effects of credit reporting in credit markets worldwide.
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher:
ISBN:
Category : Credit analysis
Languages : en
Pages : 236
Get Book
Book Description
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher:
ISBN:
Category : Consumer credit
Languages : en
Pages : 516
Get Book
Book Description
Author: United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Financial Institutions
Publisher:
ISBN:
Category : Consumer protection
Languages : en
Pages : 574
Get Book
Book Description
