Reaching out: Access to and use of banking services across countries

• 成果类型: Article
• 署名作者: Beck, Thorsten; Demirguc-Kunt, Ash; Martinez Peria, Maria Soledad
• 署名单位: The World Bank
• 刊物名称: JOURNAL OF FINANCIAL ECONOMICS
• ISSN/ISSBN: 0304-405X
• DOI: 10.1016/j.jfineco.2006.07.002
• 发表日期: 2007
• 页码: 234-266
• 关键词: financial development; banking sector outreach; financing obstacles

摘要

This paper is a first attempt at measuring financial sector outreach and investigating its determinants. First, we present new indicators of banking sector outreach across 99 countries, constructed from aggregate data provided by bank regulators. Second, we show that our indicators closely predict harder-to-collect micro-level statistics of household and firm use of banking services, and are associated with measures of firm financing obstacles in the expected way. Finally, we explore the association between our outreach indicators and standard determinants of financial sector depth. We find many similarities but also some differences in the determinants of outreach and depth. (c) 2007 Elsevier B.V. All rights reserved.