Bank Competition, Concentration, and Credit Reporting

This paper explores the empirical relationship between bank competition, bank concentration, and the emergence of credit reporting institutions. The authors find that countries with lower entry barriers into the banking market (that is, a greater t...

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Bibliographic Details
Main Authors:	Bruhn, Miriam, Farazi, Subika, Kanz, Martin
Format:	Policy Research Working Paper
Language:	English en_US
Published:	World Bank, Washington, DC 2013
Subjects:	ACCESS TO FINANCE ADMINISTRATIVE COSTS ADVERSE SELECTION AMOUNT OF CAPITAL ASSETS ASYMMETRIC INFORMATION AUTOMATIC STAY AVAILABILITY OF CREDIT BANK COMPETITION BANK ENTRY BANKING MARKET BANKING SECTOR BANKING SYSTEMS BANKRUPT BANKRUPT FIRM BANKS BARRIERS TO ENTRY BORROWER BORROWER BEHAVIOR BORROWING BRITISH LEGAL ORIGIN BUSINESS CREDIT CAPITAL REQUIREMENT CAPITAL REQUIREMENTS CENTRAL BANK COLLATERAL CONTRACT ENFORCEMENT CREDIT BUREAU CREDIT BUREAUS CREDIT HISTORY CREDIT INFORMATION CREDIT MARKET CREDIT MARKETS CREDIT RATIONING CREDIT REGISTRIES CREDIT REGISTRY CREDIT REPORTING CREDIT REPORTING SYSTEMS CREDIT RISK CREDIT RISKS CREDIT SCORES CREDITOR CREDITOR CONSENT CREDITOR RIGHTS CREDITORS CREDITWORTHINESS DEBTOR DEBTORS DEFAULT INFORMATION DEFAULT RISK DEFAULTS DEPENDENT DEPOSIT DEPOSIT MONEY BANKS DEVELOPMENT ECONOMICS DEVELOPMENT POLICY DIVIDENDS DUMMY VARIABLE DUMMY VARIABLES ECONOMIC DEVELOPMENT ECONOMIC THEORY ECONOMICS RESEARCH ENTRY BARRIERS EXISTING CREDIT FINANCIAL DEVELOPMENT FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL REGULATORS FINANCIAL SECTOR FINANCIAL STABILITY FINANCIAL STRUCTURE FINANCIAL SYSTEM FINANCIAL SYSTEMS FINANCING CONSTRAINTS FIRST CREDIT FOREIGN BANK FOREIGN BANKS FOREIGN OWNERSHIP GDP GDP PER CAPITA GOVERNMENT BANKS GOVERNMENT GUARANTEES GROUPS OF LENDERS GUARANTEED ACCESS IMPLICIT GOVERNMENT GUARANTEES INCOME INCOME GROUPS INCREASING RETURNS INCREASING RETURNS TO SCALE INFORMATION ON BORROWERS INFORMATION SHARING INSTITUTIONAL ENVIRONMENT INTEREST RATES INTERNATIONAL BANK INTERNATIONAL FINANCIAL STATISTICS LARGE BANKS LAWS LEGAL ORIGIN LEGAL ORIGINS LEGAL RIGHTS LEGAL RIGHTS OF CREDITORS LENDER LENDERS LENDING INSTITUTIONS LEVELS OF CREDIT LOAN LOAN REPAYMENT LOAN VOLUME LOAN VOLUMES LOCAL CURRENCY LOCAL MARKET MARKET CONDITIONS MARKET EFFICIENCY MARKET ENTRY MARKET FOR CREDIT MARKET INFORMATION MARKET SHARE MARKET COMPETITION MIDDLE INCOME COUNTRIES MINIMUM CAPITAL REQUIREMENT MINIMUM CAPITAL REQUIREMENTS MONOPOLY MONOPOLY RENTS MORAL HAZARD NATIONAL BANKS NEW ENTRANTS NEW MARKET OWNERSHIP STRUCTURE POSITIVE COEFFICIENT POTENTIAL BORROWERS PRIVATE CREDIT PRIVATE CREDIT BUREAU PROPRIETARY INFORMATION PRUDENTIAL REGULATION PUBLIC CREDIT REGRESSION ANALYSIS REORGANIZATION REPAYMENT REPAYMENT BEHAVIOR REPAYMENT HISTORY REPAYMENT RATES RETURNS SHARE OF ASSETS STRONG CREDITOR RIGHTS SYSTEMIC STABILITY TRANSACTIONS COSTS TRANSITION COUNTRIES TRANSPARENCY TRANSPARENCY OF INFORMATION
Online Access:	http://documents.worldbank.org/curated/en/2013/05/17705268/bank-competition-concentration-credit-reporting http://hdl.handle.net/10986/15583

Internet

http://documents.worldbank.org/curated/en/2013/05/17705268/bank-competition-concentration-credit-reporting
http://hdl.handle.net/10986/15583

Bank Competition, Concentration, and Credit Reporting

Internet

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