Credit reporting, financial intermediation and identification systems: International evidence

Jentzsch, Nicola

doi:10.1016/j.jimonfin.2012.10.005

Cited by 20 publications

(18 citation statements)

References 18 publications

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“…Based on the above, this paper suggests that the financial ecological environment may be the prime criterion triggering regional financial center modernization. Giannetti and Jentzsch (2013) illustrated that credit reporting systems are a critical part of financial markets, and that the borrowers' identification system has positive effective on financial intermediation and financial access. According to Treacy and Carey (2000), most large banks in the U.S. have internal rating systems, which are increasingly important in dealing with credit risks.…”

Section: Financial Infrastructure and Safetymentioning

confidence: 99%

Improving China’s Regional Financial Center Modernization Development Using a New Hybrid Madm Model

Jian-guo

Tzeng

2017

Technological and Economic Development of Economy

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Abstract. The regional financial center is the propeller of regional economic development. Regional financial center modernization, however, has been the predominant propulsion of economic sustainability. Decisions related to regional financial center modernization development are inherent problems of multiple attribute decision-making (MADM), and strategically important to the government. The purpose of this paper is to set up a regional financial center improvement model for modernization development, as based on a hybrid MADM model, which addresses the main causal-effect factors and amended priorities in order to strengthen ongoing planning. This paper adopts a new hybrid MADM model combined with the DEMATEL technique to construct an influential network relationship map (INRM) and determined the influential weights of DANP. Then, a modified VIKOR method using influential weights is applied to measure and integrate the performance gaps from each criterion into dimensions, as well as the overall criterion for evaluating and improving the modernization development of the regional financial center, as based on INRM. Finally an empirical case study using data from the Guangzhou regional financial center is carried out as an example to demonstrate the suitability of the proposed hybrid MADM model for solving real-world problems. The results show the priorities for improvement, as based on the degree of the effect and impact of the dimensions, as follows: first is making "government policy", second is enforcing "financial infrastructure and safety", next is formulating "financial institutions and human resources", and finally "financial service".

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Section: Financial Infrastructure and Safetymentioning

confidence: 99%

Improving China’s Regional Financial Center Modernization Development Using a New Hybrid Madm Model

Jian-guo

Tzeng

2017

Technological and Economic Development of Economy

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“…Büyükkarabacak and Valev (2012) find that credit information sharing (especially) reduces the likelihood of banking crisis (in low income countries). Giannetti and Jentzsch (2013), who analyze 172 countries from the year 2000 to 2008 conduct a difference-in-difference analysis, where they focus on the introduction of a national identification system and the interplay with credit reporting on financial intermediation (bank credit to deposits, net interest margin) and -inclusion (private credit to GDP). They find slightly positive effects on both, where developed credit reporting systems exist.…”

Section: Literature Reviewmentioning

confidence: 99%

Credit Information Sharing and Its Link to Financial Inclusion and Financial Intermediation

Morscher¹,

Horsch²,

Stephan³

2017

FMIR

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In this article, several regression analyses are conducted to analyse the relationship of credit information sharing (by both private credit bureaus and public credit registries) with financial inclusion and financial intermediation. We find that there is a positive relationship between information sharing mechanisms and financial inclusion (measured by account (at a financial institution), borrowed from a financial institution, and domestic credit). We do not find significant results for bank performance parameters. Whereas this is the case with bank non-performing loans, the data do not allow (due to low R 2 ) drawing conclusions on other parameters such as lending minus inflation rate or bank concentration.

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“…Houston et al (2010) use coverage ratio of both registries and bureaus to capture their effect on NPL as proxy of banks risk taking and found significant negative relation. Coverage ratio is one of the variables analyzed in the Giannetti and Jentzsch (2013) and Peria and Singh (2014).…”

Section: Coverage Ratiomentioning

confidence: 99%

Non-financial credit information sharing and non-performing loans: an analysis using doing business database

Şahin¹

2017

Pressacademia

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Purpose-This paper suggests that sharing of credit information from non-financial information sources decrease the non-performing loan rate. To analyze whether the differences in non-financial information sharing across countries have any effect on the percentage of nonperforming loan, a sample of 55 countries from Doing Business 2017 is analyzed. Methodology-Cross section regressions on country level data for the year 2015 is estimated by Ordinary Least Squares Method. Findings-Analysis findings reveal that availability of non-financial credit information from retails and utilities companies, as addition to financial sources, in a credit reporting institution lower the bank non-performing loan rates. Conclusion-It can be concluded that the payment behavior reported by non-financial information providers can cause to a reduction in information asymmetries between lenders and borrowers.

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Credit reporting, financial intermediation and identification systems: International evidence

Cited by 20 publications

References 18 publications

Improving China’s Regional Financial Center Modernization Development Using a New Hybrid Madm Model

Improving China’s Regional Financial Center Modernization Development Using a New Hybrid Madm Model

Credit Information Sharing and Its Link to Financial Inclusion and Financial Intermediation

Non-financial credit information sharing and non-performing loans: an analysis using doing business database

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