Credit reporting, financial intermediation and identification systems: International evidence

摘要: Abstract Credit reporting systems are an important ingredient for financial markets. These based upon the unique identification of borrowers, which is enabled if a compulsory national system exists in country. We present evidence derived from difference-in-difference analyses on impact credit and intermediation 172 countries between 2000 2008. Our results suggest that introduction mandatory has positive effect (bank to deposits, net interest margins) access (private GDP), especially where there also system.