Credit Reporting and Financing Constraints
The authors combine firm-level data from the World Bank Business Environment Survey (WBES) with data on private and public credit registries to investigate whether the presence of a credit registry in a country is associated with lower financing co...
| Main Authors: | , |
|---|---|
| Format: | Policy Research Working Paper |
| Language: | English en_US |
| Published: |
World Bank, Washington, DC
2014
|
| Subjects: | |
| Online Access: | http://documents.worldbank.org/curated/en/2003/10/2693721/credit-reporting-financing-constraints http://hdl.handle.net/10986/18045 |
| id |
okr-10986-18045 |
|---|---|
| recordtype |
oai_dc |
| spelling |
okr-10986-180452021-04-23T14:03:41Z Credit Reporting and Financing Constraints Love, Inessa Mylenko, Nataliya CREDIT BUREAUS ACCESS TO CREDIT SMALL & MEDIUM SCALE ENTERPRISES RULE OF LAW BANK FINANCING AVAILABILITY OF FUNDS INFORMATION SHARING ACCESS TO FINANCING ACCOUNTING ASYMMETRIC INFORMATION BANK FAILURES BANK REGULATION BANK SUPERVISION BANKING INDUSTRY BANKING SECTOR BANKING SUPERVISION BANKING SYSTEM BORROWING CASH FLOW CENTRAL BANKS COLLATERALIZATION COMMERCIAL BANKS CORRUPTION CREDIT BUREAUS CREDIT MARKETS CREDIT RATIONING CREDIT REPORTING CREDIT REPORTING SYSTEM CREDIT RISK CREDIT RISK MANAGEMENT DECISION MAKING DEVELOPED COUNTRIES DEVELOPING COUNTRY CONTEXT DEVELOPMENT BANKS ECONOMIC GROWTH FACTORING FINANCIAL INSTITUTIONS FINANCIAL MARKETS FINANCIAL SECTOR FINANCIAL STATEMENTS FINANCING CONSTRAINTS FOREIGN BANKS FOREIGN OWNERSHIP GNP GOVERNMENT OWNERSHIP INFLATION INFORMATION ASYMMETRIES INSTITUTIONAL ARRANGEMENTS INTEREST RATES INTERNATIONAL ACCOUNTING STANDARDS JUDICIARY LEASING LEGAL SYSTEM LIQUIDATION MICROFINANCE PROBABILITY OF DEFAULT PUBLIC SERVICE PUBLIC SERVICE PROVISION RETAINED EARNINGS RISK MANAGEMENT RISK MANAGEMENT SYSTEMS TAXATION TRANSITION ECONOMIES ACCESS TO FINANCING INFORMATION SHARING The authors combine firm-level data from the World Bank Business Environment Survey (WBES) with data on private and public credit registries to investigate whether the presence of a credit registry in a country is associated with lower financing constraints, as perceived by managers, and with higher share of bank financing. They find that the existence of private credit registries is associated with lower financing constraints and higher share of bank financing, while the existence of public credit registries does not seem to have a significant effect on these perceived financing constraints. The authors also find that small- and medium-sized firms tend to have a higher share of bank financing in countries where private registries exist and stronger rule of law is associated with more effective private credit registries. Finally, the authors find some evidence that the presence of a public credit registry benefits younger firms relatively more than older firms. 2014-04-25T15:41:30Z 2014-04-25T15:41:30Z 2003-10 http://documents.worldbank.org/curated/en/2003/10/2693721/credit-reporting-financing-constraints http://hdl.handle.net/10986/18045 English en_US Policy Research Working Paper;No. 3142 CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank, Washington, DC Publications & Research :: Policy Research Working Paper Publications & Research |
| repository_type |
Digital Repository |
| institution_category |
Foreign Institution |
| institution |
Digital Repositories |
| building |
World Bank Open Knowledge Repository |
| collection |
World Bank |
| language |
English en_US |
| topic |
CREDIT BUREAUS ACCESS TO CREDIT SMALL & MEDIUM SCALE ENTERPRISES RULE OF LAW BANK FINANCING AVAILABILITY OF FUNDS INFORMATION SHARING ACCESS TO FINANCING ACCOUNTING ASYMMETRIC INFORMATION BANK FAILURES BANK REGULATION BANK SUPERVISION BANKING INDUSTRY BANKING SECTOR BANKING SUPERVISION BANKING SYSTEM BORROWING CASH FLOW CENTRAL BANKS COLLATERALIZATION COMMERCIAL BANKS CORRUPTION CREDIT BUREAUS CREDIT MARKETS CREDIT RATIONING CREDIT REPORTING CREDIT REPORTING SYSTEM CREDIT RISK CREDIT RISK MANAGEMENT DECISION MAKING DEVELOPED COUNTRIES DEVELOPING COUNTRY CONTEXT DEVELOPMENT BANKS ECONOMIC GROWTH FACTORING FINANCIAL INSTITUTIONS FINANCIAL MARKETS FINANCIAL SECTOR FINANCIAL STATEMENTS FINANCING CONSTRAINTS FOREIGN BANKS FOREIGN OWNERSHIP GNP GOVERNMENT OWNERSHIP INFLATION INFORMATION ASYMMETRIES INSTITUTIONAL ARRANGEMENTS INTEREST RATES INTERNATIONAL ACCOUNTING STANDARDS JUDICIARY LEASING LEGAL SYSTEM LIQUIDATION MICROFINANCE PROBABILITY OF DEFAULT PUBLIC SERVICE PUBLIC SERVICE PROVISION RETAINED EARNINGS RISK MANAGEMENT RISK MANAGEMENT SYSTEMS TAXATION TRANSITION ECONOMIES ACCESS TO FINANCING INFORMATION SHARING |
| spellingShingle |
CREDIT BUREAUS ACCESS TO CREDIT SMALL & MEDIUM SCALE ENTERPRISES RULE OF LAW BANK FINANCING AVAILABILITY OF FUNDS INFORMATION SHARING ACCESS TO FINANCING ACCOUNTING ASYMMETRIC INFORMATION BANK FAILURES BANK REGULATION BANK SUPERVISION BANKING INDUSTRY BANKING SECTOR BANKING SUPERVISION BANKING SYSTEM BORROWING CASH FLOW CENTRAL BANKS COLLATERALIZATION COMMERCIAL BANKS CORRUPTION CREDIT BUREAUS CREDIT MARKETS CREDIT RATIONING CREDIT REPORTING CREDIT REPORTING SYSTEM CREDIT RISK CREDIT RISK MANAGEMENT DECISION MAKING DEVELOPED COUNTRIES DEVELOPING COUNTRY CONTEXT DEVELOPMENT BANKS ECONOMIC GROWTH FACTORING FINANCIAL INSTITUTIONS FINANCIAL MARKETS FINANCIAL SECTOR FINANCIAL STATEMENTS FINANCING CONSTRAINTS FOREIGN BANKS FOREIGN OWNERSHIP GNP GOVERNMENT OWNERSHIP INFLATION INFORMATION ASYMMETRIES INSTITUTIONAL ARRANGEMENTS INTEREST RATES INTERNATIONAL ACCOUNTING STANDARDS JUDICIARY LEASING LEGAL SYSTEM LIQUIDATION MICROFINANCE PROBABILITY OF DEFAULT PUBLIC SERVICE PUBLIC SERVICE PROVISION RETAINED EARNINGS RISK MANAGEMENT RISK MANAGEMENT SYSTEMS TAXATION TRANSITION ECONOMIES ACCESS TO FINANCING INFORMATION SHARING Love, Inessa Mylenko, Nataliya Credit Reporting and Financing Constraints |
| relation |
Policy Research Working Paper;No. 3142 |
| description |
The authors combine firm-level data from
the World Bank Business Environment Survey (WBES) with data
on private and public credit registries to investigate
whether the presence of a credit registry in a country is
associated with lower financing constraints, as perceived by
managers, and with higher share of bank financing. They find
that the existence of private credit registries is
associated with lower financing constraints and higher share
of bank financing, while the existence of public credit
registries does not seem to have a significant effect on
these perceived financing constraints. The authors also find
that small- and medium-sized firms tend to have a higher
share of bank financing in countries where private
registries exist and stronger rule of law is associated with
more effective private credit registries. Finally, the
authors find some evidence that the presence of a public
credit registry benefits younger firms relatively more than
older firms. |
| format |
Publications & Research :: Policy Research Working Paper |
| author |
Love, Inessa Mylenko, Nataliya |
| author_facet |
Love, Inessa Mylenko, Nataliya |
| author_sort |
Love, Inessa |
| title |
Credit Reporting and Financing Constraints |
| title_short |
Credit Reporting and Financing Constraints |
| title_full |
Credit Reporting and Financing Constraints |
| title_fullStr |
Credit Reporting and Financing Constraints |
| title_full_unstemmed |
Credit Reporting and Financing Constraints |
| title_sort |
credit reporting and financing constraints |
| publisher |
World Bank, Washington, DC |
| publishDate |
2014 |
| url |
http://documents.worldbank.org/curated/en/2003/10/2693721/credit-reporting-financing-constraints http://hdl.handle.net/10986/18045 |
| _version_ |
1764438803571802112 |