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

Morscher, Ch.; Horsch, A.; Stephan, J.

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Title	Credit Information Sharing and Its Link to Financial Inclusion and Financial Intermediation
Authors	Morscher, Ch. Horsch, A. Stephan, J.
ORCID
Keywords	asymmetric information асиметрична інформація ассиметричная информация consumer credit information system споживчі інформаційні системи кредитування потребительская система кредитной информации credit information sharing обмін кредитною інформацією обмен кредитной информацией credit bureaus кредитні бюро кредитные бюро credit registry кредитний реєстр кредитный регистр financial inclusion фінансове включення финансовое включение financial intermediation фінансове посередництво финансовое посредничество
Type	Article
Date of Issue	2017
URI	http://essuir.sumdu.edu.ua/handle/123456789/61797
Publisher	Sumy State University
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Citation	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
Abstract	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.
Appears in Collections:	Financial Markets, Institutions and Risks (FMIR)