Christof Morscher, Research Associate, Department of Investment and Finance, Technische Universität Bergakademie Freiberg, Germany
Andreas Horsch, Professor, Department of Investment and Finance, Technische Universität Bergakademie Freiberg, Germany
Johannes Stephan, Professor, Department of Economics, Technische Universität Bergakademie Freiberg, Germany
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 R2) drawing conclusions on other parameters such as lending minus inflation rate or bank concentration.
Keywords: asymmetric information; (consumer) credit information system(s); credit information sharing; credit bureaus; credit registry; financial inclusion; financial intermediation.
JEL Classification: F36, F69, H83, M41, M42, O47.
Cite as: Morsher, Ch., Horsch A., Stephan J. (2017). Credit Information Sharing and Its Link to Financial Inclusion and Financial Intermediation. Financial Markets, Institutions and Risks, 1(3), 22-33. DOI: 10.21272/fmir.1(3).22-33.2017
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