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 fi...
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| Format: | Policy Research Working Paper |
| Language: | English |
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World Bank, Washington, DC
2012
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| Online Access: | http://documents.worldbank.org/curated/en/2005/10/6350112/reaching-out-access-use-banking-services-across-countries http://hdl.handle.net/10986/8534 |
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okr-10986-85342021-04-23T14:02:43Z Reaching Out : Access to and Use of Banking Services across Countries Beck, Thorsten Demirguc-Kunt, Asli Martinez Peria, Maria Soledad 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 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. 2012-06-20T17:43:00Z 2012-06-20T17:43:00Z 2005-10 http://documents.worldbank.org/curated/en/2005/10/6350112/reaching-out-access-use-banking-services-across-countries http://hdl.handle.net/10986/8534 English Policy Research Working Paper; No. 3754 CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank 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 |
| topic |
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 |
| spellingShingle |
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 Beck, Thorsten Demirguc-Kunt, Asli Martinez Peria, Maria Soledad Reaching Out : Access to and Use of Banking Services across Countries |
| relation |
Policy Research Working Paper; No. 3754 |
| description |
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. |
| format |
Publications & Research :: Policy Research Working Paper |
| author |
Beck, Thorsten Demirguc-Kunt, Asli Martinez Peria, Maria Soledad |
| author_facet |
Beck, Thorsten Demirguc-Kunt, Asli Martinez Peria, Maria Soledad |
| author_sort |
Beck, Thorsten |
| title |
Reaching Out : Access to and Use of Banking Services across Countries |
| title_short |
Reaching Out : Access to and Use of Banking Services across Countries |
| title_full |
Reaching Out : Access to and Use of Banking Services across Countries |
| title_fullStr |
Reaching Out : Access to and Use of Banking Services across Countries |
| title_full_unstemmed |
Reaching Out : Access to and Use of Banking Services across Countries |
| title_sort |
reaching out : access to and use of banking services across countries |
| publisher |
World Bank, Washington, DC |
| publishDate |
2012 |
| url |
http://documents.worldbank.org/curated/en/2005/10/6350112/reaching-out-access-use-banking-services-across-countries http://hdl.handle.net/10986/8534 |
| _version_ |
1764407984059842560 |