Financial Access 2009 : Measuring Access to Financial Services around the World

Financial Access 2009 introduces the latest data from a survey of financial regulators in 139 countries. It presents indicators of access to savings, credit, and payment services in banks, and in regulated nonbank financial institutions. It is intended for a broad audience of policymakers, researchers, practitioners, multilateral and bilateral investors, in order to guide monetary policy, monitor systemic risks, and collect information on the values of deposits and credit. This report reviews three interventions: disclosure requirements, interest rate caps, and methods to address excessive lending that can result in consumer indebtedness. Improved transparency and disclosure allow borrowers to make informed choices and can facilitate competition in financial markets, eventually leading to lower prices and improved products. Policies to restrict interest rates or credit quantity, especially in consumer credit, seem to have limited effect but require further analysis.

Bibliographic Details

Main Author:	Consultative Group to Assist the Poor
Format:	Other Financial Sector Study biblioteca
Language:	English en_US
Published:	Consultative Group to Assist the Poor/The World Bank, Washington, DC 2009-09
Subjects:	ACCESS POINT, ACCESS POINTS, ACCESS TO CREDIT, ACCESS TO FINANCE, ACCESS TO FINANCIAL SERVICES, ACCESS TO SAVING, ACCESS TO SAVINGS, ACCOUNT HOLDERS, ACCOUNT OWNERSHIP, ACCOUNTING, ADMINISTRATIVE COSTS, APPROVAL PROCESS, ASSET BUILDING, ATM, ATMS, AVERAGE BALANCES, BALANCE SHEETS, BANK ACCOUNT, BANK ACCOUNTS, BANK BORROWERS, BANK BRANCH, BANK BRANCH NETWORKS, BANK BRANCHES, BANK DATA, BANK DEPOSIT, BANK DEPOSITS, BANK LENDING, BANK LOAN, BANK LOANS, BANK OFFICIALS, BANKING ACCOUNTS, BANKING NETWORKS, BANKING SERVICES, BANKING SYSTEM, BASIC BANKING, BENEFICIARIES, BIASES, BORROWER, BORROWING, BRIBE, BUSINESS FINANCES, CASH DEPOSIT, CASH PAYMENTS, COLLATERAL, COMMERCIAL BANK, COMMERCIAL BANKING, COMMERCIAL BANKS, COMMERCIAL TRANSACTION, COMPLIANCE COSTS, CONSUMER, CONSUMER CREDIT, CONSUMER LENDING, CONSUMER PROTECTION, CONSUMERS, CONTRIBUTION, CONTRIBUTIONS, COOPERATIVES, CORRUPTION, COST OF CREDIT, CREDIT BUREAU, CREDIT BUREAUS, CREDIT CARD, CREDIT DECISIONS, CREDIT HISTORY, CREDIT INFORMATION, CREDIT INFORMATION SYSTEM, CREDIT INFORMATION SYSTEMS, CREDIT INSTITUTIONS, CREDIT MARKET, CREDIT MARKETS, CREDIT PORTFOLIO, CREDIT PRODUCTS, CREDIT PROVIDER, CREDIT PROVIDERS, CREDIT REGISTRIES, CREDIT REGISTRY, CREDIT UNIONS, CREDITOR, CREDITORS, DEBIT CARD, DEBIT CARDS, DEBT, DEPOSIT, DEPOSIT ACCOUNT, DEPOSIT ACCOUNTS, DEPOSIT INSURANCE, DEPOSITOR, DEPOSITORS, DEPOSITORY INSTITUTIONS, DEPOSITS, DEVELOPMENT BANK, DEVELOPMENT BANKS, DEVELOPMENT FINANCE, DEVELOPMENT FINANCE INSTITUTIONS, DIRECT COSTS, DIRECT DEPOSITS, DIRECT FINANCING, DISCLOSURE REQUIREMENT, DISCLOSURE REQUIREMENTS, DOCUMENTATION REQUIREMENTS, ECONOMIC DEVELOPMENT, ECONOMIC GROWTH, ECONOMIC POLICIES, ELECTRONIC TRANSFERS, ENTREPRENEURS, EXCLUSION, FAMILIES, FARMERS, FINANCES, FINANCIAL ACCESS, FINANCIAL ACCESS INDICATORS, FINANCIAL DEVELOPMENT, FINANCIAL INSTITUTIONS, FINANCIAL LITERACY, FINANCIAL MARKETS, FINANCIAL OBLIGATIONS, FINANCIAL PRODUCTS, FINANCIAL REGULATOR, FINANCIAL REGULATORS, FINANCIAL SERVICE, FINANCIAL SERVICE PROVIDERS, FINANCIAL STABILITY, FINANCIAL SYSTEM, FINANCIAL SYSTEMS, FIXED COSTS, FORMAL BANK, FORMAL CREDIT, FORMAL FINANCIAL SECTOR, FORMAL FINANCIAL SERVICES, FORMAL LENDING, GROUPS OF PEOPLE, GUARANTEE SCHEME, HIGH INTEREST RATES, HOUSEHOLDS, INCOME, INDEBTEDNESS, INDICATORS OF ACCESS, INDIVIDUAL ACCOUNTS, INFLATION, INFORMAL FINANCIAL INSTITUTIONS, INFORMAL SAVINGS, INFORMATION ASYMMETRIES, INFORMATION SHARING, INFORMATION SYSTEM, INFORMED CHOICES, INITIAL DEPOSITS, INSURANCE SCHEME, INTEREST RATE, INTEREST RATES, LENDER, LENDERS, LOAN, LOAN SIZE, LOAN SIZES, LOAN TERMS, LOW INCOME, LOW MINIMUM BALANCES, LOW-INCOME, LOWER INCOME, MAINTENANCE FEE, MAINTENANCE FEES, MARKETING, MICROCREDIT, MICROFINANCE, MICROFINANCE INSTITUTIONS, MINIMUM BALANCE, MONETARY POLICY, MONEY LAUNDERING, MONEY LENDERS, MONEYLENDERS, MONTHLY FEE, MONTHLY PAYMENTS, OPERATING COST, OUTREACH, OUTSTANDING LOANS, PAYMENT SERVICES, PAYMENTS SERVICES, PENSIONS, POINT-OF-SALE, POINT-OF-SALE TERMINALS, POOR BORROWERS, POOR CLIENTS, POSTAL BANK, POSTAL BANKING, POSTAL BANKS, PRIVATE CREDIT, PRIVATE FINANCIAL INSTITUTIONS, PRIVATE SAVINGS, PUBLIC CREDIT, QUESTIONNAIRE, RECORD KEEPING, REGULAR PAYMENTS, REGULAR SAVINGS, REPAYMENT, RISK MITIGATION, RURAL BRANCHES, RURAL CLIENTS, SAVERS, SAVINGS, SAVINGS ACCOUNTS, SAVINGS PROGRAMS, SAVINGS RATE, SAVINGS SERVICES, SMALL BUSINESS, SMALL BUSINESS OWNERS, SMALL BUSINESSES, SMALL ENTERPRISES, SMALL ENTREPRENEURS, SMALL LOANS, SMART CARDS, SOCIAL DEVELOPMENT, SOCIAL SECURITY, SOURCE OF CREDIT, SOURCE OF FUNDS, SOURCES OF CREDIT, TAX ADVANTAGES, TAX BREAKS, TAX INCENTIVE, TAX INCENTIVES, TERM CREDIT, TRANSACTION COSTS, UNEMPLOYMENT, UNSTABLE INCOMES, USURY, USURY CEILINGS, VALUABLE, VILLAGES, VULNERABLE GROUPS, WAGE, WAGES, WORTH,
Online Access:	http://documents.worldbank.org/curated/en/2009/01/16418208/financial-access-2009-measuring-access-financial-services-around-world http://hdl.handle.net/10986/12843
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