Reaching Out : Access to and Use of Banking Services across Countries
The authors (1) present new indicators of banking sector penetration across 99 countries based on a survey of bank regulatory authorities, (2) show that these indicators predict household and firm use of banking services, (3) explore the association between the outreach indicators and measures of financial, institutional, and infrastructure development across countries, and (4) relate these banking outreach indicators to measures of firms' financing constraints. In particular, they find that greater outreach is correlated with standard measures of financial development, as well as with economic activity. Controlling for these factors, the authors find that better communication and transport infrastructure and better governance are also associated with greater outreach. Government ownership of financial institutions translates into lower access, while more concentrated banking systems are associated with greater outreach. Finally, firms in countries with higher branch and ATM penetration and higher use of loan services report lower financing obstacles, thus linking banking sector outreach to the alleviation of firms' financing constraints.
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Bibliographic Details
| Main Authors: |
Martinez Peria, Maria Soledad,
Beck, Thorsten,
Demirguc-Kunt, Asli |
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| Language: | English |
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| Published: |
World Bank, Washington, DC
2005-10
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| Subjects: | ACCOUNTABILITY,
BANK ACCOUNTS,
BANK BRANCHES,
BANK DEPOSITS,
BANK REGULATORY AGENCIES,
BANKING SECTOR,
BANKING SERVICES,
BANKING STRUCTURE,
BANKING SYSTEM,
BANKING SYSTEMS,
BANKS,
BIASES,
CAPITAL MARKETS,
CAUSATION,
CONTRACT ENFORCEMENT,
CORRELATIONS,
CREDIT UNIONS,
DATA COLLECTION,
DATA COMPILATION,
DEPOSITS,
DESCRIPTIVE STATISTICS,
DUMMY VARIABLES,
ECONOMIC GROWTH,
EMERGING MARKETS,
FINANCIAL INSTITUTIONS,
FINANCIAL INTERMEDIARY DEVELOPMENT,
FINANCIAL SERVICES,
FINANCIAL SYSTEMS,
FOREIGN BANKS,
HEALTH SERVICES,
INDEPENDENT VARIABLES,
INSTITUTIONAL DEVELOPMENT,
INSURANCE,
MAXIMUM LIKELIHOOD ESTIMATION,
METHODOLOGY,
MICROFINANCE,
OVERHEAD COSTS,
PRECISION,
PROBABILITY,
PRODUCTIVITY,
RESEARCH WORKING PAPERS,
RESOURCE ALLOCATION,
SAMPLE SIZE,
SAVINGS,
STANDARD DEVIATION,
STANDARD ERRORS,
STATISTICAL INFORMATION,
SURVEY DATA,
TRANSITION ECONOMIES,
TRANSPORT, |
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| Online Access: | http://documents.worldbank.org/curated/en/2005/10/6350112/reaching-out-access-use-banking-services-across-countries
https://hdl.handle.net/10986/8534
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