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  • 2005-2009  (13)
  • 1955-1959
  • Beck, Thorsten  (13)
  • Washington, D.C : The World Bank  (13)
  • Wiesbaden : VS Verlag für Sozialwissenschaften
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  • 1
    Online Resource
    Online Resource
    Financial Institutions and Markets Across Countries and Over Time : Data and Analysis (2009)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (46 p)
    Edition: 2009 World Bank eLibrary
    Parallel Title: Beck, Thorsten Financial Institutions and Markets Across Countries and Over Time
    Abstract: This paper introduces the updated and expanded version of the Financial Development and Structure Database and presents recent trends in structure and development of financial institutions and markets across countries. The authors add indicators on banking structure and financial globalization. They find a deepening of both financial markets and institutions, a trend concentrated in high-income countries and more pronounced for markets than for banks. Similarly, the recent increase in cross-border lending and debt issues has been concentrated in high-income countries, while low and lower-middle income countries have experienced an increase in remittance flows. Low net interest margins, rising profitability and declining stability in high-income countries’ banking sectors characterize the recent financial sector boom in high income countries leading up to the global financial crisis of 2007
    DOI: 10.1596/1813-9450-4943
    URL: Volltext  (Deutschlandweit zugänglich)
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    Online Resource
    MPI Ethno. Forsch.
  • 2
    Online Resource
    Online Resource
    Finance in Africa : Achievements and Challenges (2009)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (41 p)
    Edition: 2009 World Bank eLibrary
    Parallel Title: Beck, Thorsten Finance in Africa
    Abstract: In spite of shallow financial markets, Sub-Saharan Africa will not escape the repercussions of the global financial crisis. The global turmoil threatens the progress Sub-Saharan Africa has made in financial sector deepening and broadening over the recent years and underlines the importance of continuing and deepening the necessary institutional reforms. In this context it is important to define the role of government in expanding financial sectors in a sustainable and market-friendly manner. Foreign banks have brought more benefits than risks for their host economies in Sub-Saharan Africa, but are certainly not a panacea and not a substitute for institutional and policy reform. The profile of foreign banks, however, has changed, with more and more regional banks emerging. This trend toward regional integration is promising as it might allow the small African financial system to reap benefits from scale economies, but it also requires regulatory and supervisory improvements and coordination across the region
    DOI: 10.1596/1813-9450-5020
    URL: Volltext  (Deutschlandweit zugänglich)
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    MPI Ethno. Forsch.
  • 3
    Online Resource
    Online Resource
    What Explains the Cost of Remittances ? : An Examination Across 119 Country Corridors (2009)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (31 p)
    Edition: 2009 World Bank eLibrary
    Parallel Title: Beck, Thorsten What Explains the Cost of Remittances ?
    Abstract: Remittances are a sizeable source of external financing for developing countries. In the L’Aquila 2009 G8 Summit, leaders pledged to reduce the cost of remittances by half in 5 years (from 10 to 5 percent). Yet, empirically, little is known about what drives the cost of remittances. Using newly gathered data across 119 country corridors, this paper explores the factors that determine the cost of remittances. Considering average costs across all types of institutions, the authors find that corridors with larger numbers of migrants and more competition among remittances service providers exhibit lower costs. By contrast, remittance costs are higher in richer corridors and in corridors with greater bank participation in the remittances market. Comparing results across all banks and all money transfer operators separately, the analysis finds few significant differences. However, estimations for Western Union, a leading player in the remittances business, suggest that this firm’s prices are insensitive to competition
    DOI: 10.1596/1813-9450-5072
    URL: Volltext  (Deutschlandweit zugänglich)
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    Online Resource
    MPI Ethno. Forsch.
  • 4
    Online Resource
    Online Resource
    The Econometrics of Finance And Growth (2008)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (1 online resource (45 p.))
    Edition: Online-Ausg. World Bank E-Library Archive
    Parallel Title: Beck, Thorsten The Econometrics of Finance And Growth
    Keywords: Access to Finance ; Debt Markets ; Economic Theory and Research ; Economic development ; Economic growth ; External finance ; Finance and Financial Sector Development ; Financial development ; Financial institutions ; Financial sector development ; Information asymmetries ; International Bank ; Macroeconomics and Economic Growth ; Payment services ; Poverty Reduction ; Pro-Poor Growth ; Science and Technology Development ; Statistical and Mathematical Sciences ; Transaction costs ; Access to Finance ; Debt Markets ; Economic Theory and Research ; Economic development ; Economic growth ; External finance ; Finance and Financial Sector Development ; Financial development ; Financial institutions ; Financial sector development ; Information asymmetries ; International Bank ; Macroeconomics and Economic Growth ; Payment services ; Poverty Reduction ; Pro-Poor Growth ; Science and Technology Development ; Statistical and Mathematical Sciences ; Transaction costs ; Access to Finance ; Debt Markets ; Economic Theory and Research ; Economic development ; Economic growth ; External finance ; Finance and Financial Sector Development ; Financial development ; Financial institutions ; Financial sector development ; Information asymmetries ; International Bank ; Macroeconomics and Economic Growth ; Payment services ; Poverty Reduction ; Pro-Poor Growth ; Science and Technology Development ; Statistical and Mathematical Sciences ; Transaction costs
    Abstract: This paper reviews different econometric methodologies to assess the relationship between financial development and growth. It illustrates the identification problem, which is at the center of the finance and growth literature, using the example of a simple Ordinary Least Squares estimation. It discusses cross-sectional and panel instrumental variable approaches to overcome the identification problem. It presents the time-series approach, which focuses on the forecast capacity of financial development for future growth rates, and differences-in-differences techniques that try to overcome the identification problem by assessing the differential effect of financial sector development across states with different policies or across industries with different needs for external finance. Finally, it discusses firm-level and household approaches that allow analysts to dig deeper into the channels and mechanisms through which financial development enhances growth and welfare, but pose their own methodological challenges
    URL: Volltext  (Deutschlandweit zugänglich)
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    MPI Ethno. Forsch.
  • 5
    Online Resource
    Online Resource
    Who Gets The Credit? : And Does It Matter? (2008)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (1 online resource (41 p.))
    Edition: Online-Ausg. World Bank E-Library Archive
    Parallel Title: Beck, Thorsten Who Gets The Credit?
    Keywords: Access to Finance ; Bank ; Bankruptcy and Resolution of Financial Distress ; Banks ; Banks and Banking Reform ; Credit ; Debt Markets ; Economic Theory and Research ; Enterprise ; Enterprise credit ; Finance ; Finance and Financial Sector Development ; Financial Intermediation ; Financial systems ; Household ; Households ; Macroeconomics and Economic Growth ; Regulatory policies ; Access to Finance ; Bank ; Bankruptcy and Resolution of Financial Distress ; Banks ; Banks and Banking Reform ; Credit ; Debt Markets ; Economic Theory and Research ; Enterprise ; Enterprise credit ; Finance ; Finance and Financial Sector Development ; Financial Intermediation ; Financial systems ; Household ; Households ; Macroeconomics and Economic Growth ; Regulatory policies ; Access to Finance ; Bank ; Bankruptcy and Resolution of Financial Distress ; Banks ; Banks and Banking Reform ; Credit ; Debt Markets ; Economic Theory and Research ; Enterprise ; Enterprise credit ; Finance ; Finance and Financial Sector Development ; Financial Intermediation ; Financial systems ; Household ; Households ; Macroeconomics and Economic Growth ; Regulatory policies
    Abstract: While the theoretical and empirical finance literature has focused almost exclusively on enterprise credit, about half of credit extended by banks to the private sector in a sample of 45 developing and developed countries is to households. The share of household credit in total credit increases as countries grow richer and financial systems develop. Cross-country regressions, however, suggest a positive and significant impact on gross domestic product per capita growth only of enterprise but not household credit. These two findings together partly explain why previous studies have found a small or insignificant effect of finance on growth in high-income countries. In addition, countries with a lower share of manufacturing, a higher degree of urbanization, and more market-oriented financial systems have a higher share of household credit. It is thus mostly socio-economic trends that determine credit composition, while policies influencing banking market structure and regulatory policies are not robustly related to credit composition
    URL: Volltext  (Deutschlandweit zugänglich)
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  • 6
    Online Resource
    Online Resource
    The Typology of Partial Credit Guarantee Funds Around The World (2008)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (1 online resource (38 p.))
    Edition: Online-Ausg. World Bank E-Library Archive
    Parallel Title: Beck, Thorsten The Typology of Partial Credit Guarantee Funds Around The World
    Keywords: Access to Finance ; Bankruptcy and Resolution of Financial Distress ; Banks and Banking Reform ; Borrower ; Credit guarantee ; Debt Markets ; Deposit Insurance ; Finance and Financial Sector Development ; Financial support ; Financing obstacles ; Guarantee schemes ; International bank ; Microfinance ; Partial credit ; Risk management ; Risk-based pricing ; Transaction costs ; Access to Finance ; Bankruptcy and Resolution of Financial Distress ; Banks and Banking Reform ; Borrower ; Credit guarantee ; Debt Markets ; Deposit Insurance ; Finance and Financial Sector Development ; Financial support ; Financing obstacles ; Guarantee schemes ; International bank ; Microfinance ; Partial credit ; Risk management ; Risk-based pricing ; Transaction costs ; Access to Finance ; Bankruptcy and Resolution of Financial Distress ; Banks and Banking Reform ; Borrower ; Credit guarantee ; Debt Markets ; Deposit Insurance ; Finance and Financial Sector Development ; Financial support ; Financing obstacles ; Guarantee schemes ; International bank ; Microfinance ; Partial credit ; Risk management ; Risk-based pricing ; Transaction costs
    Abstract: This paper presents data on 76 partial credit guarantee schemes across 46 developed and developing countries. Based on theory, the authors discuss different organizational features of credit guarantee schemes and their variation across countries. They focus on the respective role of government and the private sector and different pricing and risk reduction tools and how they are correlated across countries. The findings show that government has an important role to play in funding and management, but less so in risk assessment and recovery. There is a surprisingly low use of risk-based pricing and limited use of risk management mechanisms
    URL: Volltext  (Deutschlandweit zugänglich)
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  • 7
    Online Resource
    Online Resource
    Foreign Bank Acquisitions And Outreach : Evidence From Mexico (2008)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (1 online resource (43 p.))
    Edition: Online-Ausg. World Bank E-Library Archive
    Parallel Title: Beck, Thorsten Foreign Bank Acquisitions And Outreach
    Keywords: Access to Finance ; Bank Acquisitions ; Banking Sector ; Banking Sector Development ; Banking Services ; Banking Stability ; Banks ; Banks and Banking Reform ; Corporate Law ; Debt Markets ; Finance and Financial Sector Development ; Financial Crises ; Financial Services ; Foreign Banks ; Law and Development ; Municipalities ; Access to Finance ; Bank Acquisitions ; Banking Sector ; Banking Sector Development ; Banking Services ; Banking Stability ; Banks ; Banks and Banking Reform ; Corporate Law ; Debt Markets ; Finance and Financial Sector Development ; Financial Crises ; Financial Services ; Foreign Banks ; Law and Development ; Municipalities ; Access to Finance ; Bank Acquisitions ; Banking Sector ; Banking Sector Development ; Banking Services ; Banking Stability ; Banks ; Banks and Banking Reform ; Corporate Law ; Debt Markets ; Finance and Financial Sector Development ; Financial Crises ; Financial Services ; Foreign Banks ; Law and Development ; Municipalities
    Abstract: Between 1995 and 2005, foreign bank participation in Mexico rose from 2 percent of bank assets to 83 percent, as the top five largest banks were acquired by foreigners. This paper examines the link between foreign bank acquisitions and banking outreach. Using quarterly country, bank, and bank-municipality-level data, the authors find some contrasting patterns. As foreign bank participation rose due to foreign acquisitions, the number of municipalities with bank presence increased but the number of loan and deposit accounts fell for the country as a whole and for banks after they became foreign. The drop in the number of loans, however, was partially off-set by an increase in domestic bank loans. Further, the decline in loan and deposit accounts was more pronounced in more rural and poorer areas. Finally, only very rich and urban areas experienced an increase in branches after foreign acquisition
    URL: Volltext  (Deutschlandweit zugänglich)
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  • 8
    Online Resource
    Online Resource
    Benchmarking Financial Development (2008)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (1 online resource (47 p.))
    Edition: Online-Ausg. World Bank E-Library Archive
    Parallel Title: Beck, Thorsten Benchmarking Financial Development
    Keywords: Access to Finance ; Bond ; Bond market ; Debt Markets ; Economic Theory & Research ; Economic development ; Emerging Markets ; Finance and Financial Sector Development ; Financial development ; Financial institutions ; Financial markets ; Financial system ; Financial systems ; International bank ; Private Sector Development ; Returns ; Access to Finance ; Bond ; Bond market ; Debt Markets ; Economic Theory & Research ; Economic development ; Emerging Markets ; Finance and Financial Sector Development ; Financial development ; Financial institutions ; Financial markets ; Financial system ; Financial systems ; International bank ; Private Sector Development ; Returns ; Access to Finance ; Bond ; Bond market ; Debt Markets ; Economic Theory & Research ; Economic development ; Emerging Markets ; Finance and Financial Sector Development ; Financial development ; Financial institutions ; Financial markets ; Financial system ; Financial systems ; International bank ; Private Sector Development ; Returns
    Abstract: Capitalizing on recent improvements in the availability of cross-country financial sector data, this paper proposes a standard methodology for benchmarking the policy component of financial development. Systematic controls are introduced to isolate main structural country characteristics and a principal components analysis is used to help identify a parsimonious set of ten "core" outcome indicators from a broader set of twenty seven potential indicators covering different dimensions of development in both financial institutions and financial markets. Such a broad-based approach helps reveal important determinants and regularities of the process of financial development. The paper also identifies some of the main data gaps that will need to be filled to allow further progress in financial benchmarking looking forward
    URL: Volltext  (Deutschlandweit zugänglich)
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  • 9
    Online Resource
    Online Resource
    Bank Competition And Financial Stability : Friends Or Foes? (2008)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (1 online resource (32 p.))
    Edition: Online-Ausg. World Bank E-Library Archive
    Parallel Title: Beck, Thorsten Bank Competition And Financial Stability
    Keywords: Access to Finance ; Bank ; Banking ; Banking crises ; Banking sector ; Banking system ; Banks and Banking Reform ; Debt Markets ; Deposit Insurance ; Emerging Markets ; Finance ; Finance and Financial Sector Development ; Financial Intermediation ; Financial institutions ; Financial stability ; Governments ; Labor Policies ; Markets ; Private Sector Development ; Social Protections and Labor ; Access to Finance ; Bank ; Banking ; Banking crises ; Banking sector ; Banking system ; Banks and Banking Reform ; Debt Markets ; Deposit Insurance ; Emerging Markets ; Finance ; Finance and Financial Sector Development ; Financial Intermediation ; Financial institutions ; Financial stability ; Governments ; Labor Policies ; Markets ; Private Sector Development ; Social Protections and Labor ; Access to Finance ; Bank ; Banking ; Banking crises ; Banking sector ; Banking system ; Banks and Banking Reform ; Debt Markets ; Deposit Insurance ; Emerging Markets ; Finance ; Finance and Financial Sector Development ; Financial Intermediation ; Financial institutions ; Financial stability ; Governments ; Labor Policies ; Markets ; Private Sector Development ; Social Protections and Labor
    Abstract: Theory makes ambiguous predictions about the relationship between market structure and competitiveness of the banking system and banking sector stability. Empirical studies focusing on individual countries provide similarly ambiguous results, while cross-country studies point mostly to a positive relationship between competition and stability in the banking system. Where liberalization and unfettered competition have resulted in fragility, this has been mostly the consequence of regulatory and supervisory failures. The advantages of competition for an efficient and inclusive financial system are strong, and regulatory and supervisory policies should focus on an incentive-compatible environment for banking rather than try to fine-tune market structure or the degree of competition
    URL: Volltext  (Deutschlandweit zugänglich)
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  • 10
    Online Resource
    Online Resource
    Bank Financing For SMEs Around The World : Drivers, Obstacles, Business Models, And Lending Practices (2008)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (1 online resource (43 p.))
    Edition: Online-Ausg. World Bank E-Library Archive
    Parallel Title: Beck, Thorsten Bank Financing For SMEs Around The World
    Keywords: Access to Finance ; Banks ; Banks and Banking Reform ; Debt Markets ; Employment ; Factoring ; Finance and Financial Sector Development ; Financial Intermediation ; Financial institutions ; Interest rates ; Nonperforming loans ; Profitability ; Prudential regulations ; Risk management ; Small banks ; Access to Finance ; Banks ; Banks and Banking Reform ; Debt Markets ; Employment ; Factoring ; Finance and Financial Sector Development ; Financial Intermediation ; Financial institutions ; Interest rates ; Nonperforming loans ; Profitability ; Prudential regulations ; Risk management ; Small banks ; Access to Finance ; Banks ; Banks and Banking Reform ; Debt Markets ; Employment ; Factoring ; Finance and Financial Sector Development ; Financial Intermediation ; Financial institutions ; Interest rates ; Nonperforming loans ; Profitability ; Prudential regulations ; Risk management ; Small banks
    Abstract: Using data from a survey of 91 banks in 45 countries, the authors characterize bank financing to small and medium enterprises (SMEs) around the world. They find that banks perceive the SME segment to be highly profitable, but perceive macroeconomic instability in developing countries and competition in developed countries as the main obstacles. To serve SMEs banks have set up dedicated departments and decentralized the sale of products to the branches. However, loan approval, risk management, and loan recovery functions remain centralized. Compared with large firms, banks are less exposed to small enterprises, charge them higher interest rates and fees, and experience more non-performing loans from lending to them. Although there are some differences in SMEs financing across government, private, and foreign-owned banks - with the latter being more likely to engage in arms-length lending - the most significant differences are found between banks in developed and developing countries. Banks in developing countries tend to be less exposed to SMEs, provide a lower share of investment loans, and charge higher fees and interest rates. Overall, the evidence suggests that the lending environment is more important than firm size or bank ownership type in shaping bank financing to SMEs
    URL: Volltext  (Deutschlandweit zugänglich)
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  • 11
    Online Resource
    Online Resource
    The Basic Analytics of Access To Financial Services (2006)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (1 online resource (58 p.))
    Edition: Online-Ausg. World Bank E-Library Archive
    Parallel Title: Beck, Thorsten The Basic Analytics of Access To Financial Services
    Keywords: Bank ; Banks ; Banks and Banking Reform ; Credit Risk ; Debt Markets ; Demand ; Deposit Economic Development ; Economic Theory and Research ; Emerging Markets ; Finance ; Finance and Financial Sector Development ; Financial Literacy ; Financial Sector ; Financial Services ; Financial System ; Income ; Interest ; Interest Rate ; Macroeconomics and Economic Growth ; Private Sector Development ; Bank ; Banks ; Banks and Banking Reform ; Credit Risk ; Debt Markets ; Demand ; Deposit Economic Development ; Economic Theory and Research ; Emerging Markets ; Finance ; Finance and Financial Sector Development ; Financial Literacy ; Financial Sector ; Financial Services ; Financial System ; Income ; Interest ; Interest Rate ; Macroeconomics and Economic Growth ; Private Sector Development ; Bank ; Banks ; Banks and Banking Reform ; Credit Risk ; Debt Markets ; Demand ; Deposit Economic Development ; Economic Theory and Research ; Emerging Markets ; Finance ; Finance and Financial Sector Development ; Financial Literacy ; Financial Sector ; Financial Services ; Financial System ; Income ; Interest ; Interest Rate ; Macroeconomics and Economic Growth ; Private Sector Development
    Abstract: Access to financial services, or rather the lack thereof, is often indiscriminately decried as a problem in many developing countries. The authors argue that the "problem of access" should rather be analyzed by identifying different demand and supply constraints. They use the concept of an access possibilities frontier, drawn for a given set of state variables, to distinguish between cases where a financial system settles below the constrained optimum, cases where this constrained optimum is too low, and-in credit services-cases where the observed outcome is excessively high. They distinguish between payment and savings services and fixed intermediation costs, on the one hand, and lending services and different sources of credit risk, on the other hand. The authors include both supply and demand side frictions that can lead to lower access. The analysis helps identify bankable and banked population, the binding constraint to close the gap between the two, and policies to prudently expand the bankable population. This new conceptual framework can inform the debate on adequate policies to expand access to financial services and can serve as the basis for an informed measurement of access
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  • 12
    Online Resource
    Online Resource
    Bank Efficiency, Ownership, And Market Structure : Why Are Interest Spreads So High In Uganda ? (2006)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (1 online resource (39 p.))
    Edition: Online-Ausg. World Bank E-Library Archive
    Parallel Title: Beck, Thorsten Bank Efficiency, Ownership, And Market Structure
    Keywords: Bank Policy ; Bank Spreads ; Banking System ; Banks and Banking Reform ; Bond ; Debt Markets ; Developing Countries ; Emerging Markets ; Exchange ; Finance and Financial Sector Development ; Financial Literacy ; Foreign Bank ; Foreign Bank Entry ; Foreign Banks ; Interest ; Interest Rate ; Interest Rate System ; Private Sector Development ; Bank Policy ; Bank Spreads ; Banking System ; Banks and Banking Reform ; Bond ; Debt Markets ; Developing Countries ; Emerging Markets ; Exchange ; Finance and Financial Sector Development ; Financial Literacy ; Foreign Bank ; Foreign Bank Entry ; Foreign Banks ; Interest ; Interest Rate ; Interest Rate System ; Private Sector Development ; Bank Policy ; Bank Spreads ; Banking System ; Banks and Banking Reform ; Bond ; Debt Markets ; Developing Countries ; Emerging Markets ; Exchange ; Finance and Financial Sector Development ; Financial Literacy ; Foreign Bank ; Foreign Bank Entry ; Foreign Banks ; Interest ; Interest Rate ; Interest Rate System ; Private Sector Development
    Abstract: Using a unique bank-level data set on the Ugandan banking system during 1999-2005, the authors explore the factors behind consistently high interest rate spreads and margins. While foreign banks charge lower interest rate spreads, they do not find a robust and economically significant relationship between privatization, foreign bank entry, market structure, and banking efficiency. Similarly, macroeconomic variables can explain little of the over-time variation in bank spreads. Bank-level characteristics, on the other hand, such as bank size, operating costs, and composition of loan portfolio explain a large proportion of cross-bank, cross-time variation in spreads and margins. However, time-invariant bank-level fixed effects explain the largest part of bank variation in spreads and margins. Further, the authors find tentative evidence that banks targeting the low end of the market incur higher costs and therefore higher margins
    URL: Volltext  (Deutschlandweit zugänglich)
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  • 13
    Online Resource
    Online Resource
    Banking Services For Everyone ? : Barriers To Bank Access And Use Around The World (2006)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (1 online resource (60 p.))
    Edition: Online-Ausg. World Bank E-Library Archive
    Parallel Title: Beck, Thorsten Banking Services For Everyone ?
    Keywords: Bank ; Bank Accounts ; Banking Services ; Banks ; Banks and Banking Reform ; Checking Account ; Customers ; Debt Markets ; Demand ; Depos Deposits ; Emerging Markets ; Finance and Financial Sector Development ; Financial Institutions ; Financial Literacy ; Financial Services ; Financial Transaction ; Housing ; Private Sector Development ; Bank ; Bank Accounts ; Banking Services ; Banks ; Banks and Banking Reform ; Checking Account ; Customers ; Debt Markets ; Demand ; Depos Deposits ; Emerging Markets ; Finance and Financial Sector Development ; Financial Institutions ; Financial Literacy ; Financial Services ; Financial Transaction ; Housing ; Private Sector Development ; Bank ; Bank Accounts ; Banking Services ; Banks ; Banks and Banking Reform ; Checking Account ; Customers ; Debt Markets ; Demand ; Depos Deposits ; Emerging Markets ; Finance and Financial Sector Development ; Financial Institutions ; Financial Literacy ; Financial Services ; Financial Transaction ; Housing ; Private Sector Development
    Abstract: Using information from 193 banks in 58 countries, the authors develop and analyze indicators of physical access, affordability, and eligibility barriers to deposit, loan, and payment services. They find substantial cross-country variation in barriers to banking and show that in many countries these barriers can potentially exclude a significant share of the population from using banking services. Correlations with bank- and country-level variables show that bank size and the availability of physical infrastructure are the most robust predictors of barriers. Further, the authors find evidence that in more competitive, open, and transparent economies, and in countries with better contractual and informational frameworks, banks impose lower barriers. Finally, though foreign banks seem to charge higher fees than other banks, in foreign dominated banking systems fees are lower and it is easier to open bank accounts and to apply for loans. On the other hand, in systems that are predominantly government-owned, customers pay lower fees but also face greater restrictions in terms of where to apply for loans and how long it takes to have applications processed. These findings have important implications for policy reforms to broaden access
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