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Credit Reporting And Financing Constraints
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Book Synopsis Credit Reporting and Financing Constraints by : Inessa Love
Download or read book Credit Reporting and Financing Constraints written by Inessa Love and published by World Bank Publications. This book was released on 2003 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: The authors combine firm-level data from the World Bank Business Environment Survey (WBES) with data on private and public credit registries to investigate whether the presence of a credit registry in a country is associated with lower financing constraints, as perceived by managers, and with higher share of bank financing. They find that the existence of private credit registries is associated with lower financing constraints and higher share of bank financing, while the existence of public credit registries does not seem to have a significant effect on these perceived financing constraints. The authors also find that small- and medium-sized firms tend to have a higher share of bank financing in countries where private registries exist and stronger rule of law is associated with more effective private credit registries. Finally, the authors find some evidence that the presence of a public credit registry benefits younger firms relatively more than older firms.
Book Synopsis Credit Reporting and Financing Constraints by : Inessa Love
Download or read book Credit Reporting and Financing Constraints written by Inessa Love and published by . This book was released on 2016 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: Love and Mylenko combine firm-level data from the World Bank Business Environment Survey (WBES) with data on private and public credit registries to investigate whether the presence of a credit registry in a country is associated with lower financing constraints, as perceived by managers, and with higher share of bank financing. They find that the existence of private credit registries is associated with lower financing constraints and higher share of bank financing, while the existence of public credit registries does not seem to have a significant effect on these perceived financing constraints. The authors also find that small- and medium-sized firms tend to have a higher share of bank financing in countries where private registries exist and stronger rule of law is associated with more effective private credit registries. Finally, the authors find some evidence that the presence of a public credit registry benefits younger firms relatively more than older firms.This paper - a product of Finance, Development Research Group - is part of a larger effort in the group to study access to finance.
Book Synopsis Financial Privacy by : Nicola Jentzsch
Download or read book Financial Privacy written by Nicola Jentzsch and published by Springer Science & Business Media. This book was released on 2007-09-19 with total page 291 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this updated edition, author Nicola Jentzsch provides an in-depth analysis of the economics and regulation of financial privacy. You get a comparative overview of credit reporting systems in the US and in the 27 member states of the European Union. This is the "most in-depth study of the history and economics of credit reporting to date," according to David Medine, former Associate Director of the U.S. Federal Trade Commission.
Book Synopsis Credit Reporting Systems and the International Economy by : Margaret J. Miller
Download or read book Credit Reporting Systems and the International Economy written by Margaret J. Miller and published by MIT Press. This book was released on 2003 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt: The first comprehensive review of credit reporting systems worldwide, including their institutional forms and evidence of their impact on financial markets. Credit reporting is a critical part of the financial system in most developed economies but is often weak or absent in developing countries. It addresses a fundamental problem of credit markets: asymmetric information between borrowers and lenders that can lead to adverse selection and moral hazard. The heart of a credit report is the record it provides of an individual's or a firm's payment history, which enables lenders to evaluate credit risk more accurately and lower loan processing time and costs. Credit reports also strengthen borrower discipline, since nonpayment with one institution results in sanctions with others. This book provides the first comprehensive review of credit reporting systems worldwide and documents the rapid growth in the industry. It offers empirical and theoretical evidence of the impact of credit reporting on financial markets, using examples from both developed and developing economies. Credit reporting, it shows, significantly contributes to predicting default risk of potential borrowers, which promotes increased lending activity. The book also covers the role of public policy in the development of credit reporting initiatives, including the role of public credit registries managed by central banks; and the role of legal, regulatory, and institutional factors in supporting credit reporting.
Book Synopsis Doing Business in 2004 by : Simeon Djankov
Download or read book Doing Business in 2004 written by Simeon Djankov and published by World Bank Publications. This book was released on 2004 with total page 222 pages. Available in PDF, EPUB and Kindle. Book excerpt: A co-publication of the World Bank, International Finance Corporation and Oxford University Press
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :242 pages Book Rating :4.F/5 ( download)
Book Synopsis The Importance of the National Credit Reporting System to Consumers and the U.S. Economy by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book The Importance of the National Credit Reporting System to Consumers and the U.S. Economy written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2003 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Economics and Regulation of Financial Privacy by : Nicola Jentzsch
Download or read book The Economics and Regulation of Financial Privacy written by Nicola Jentzsch and published by Springer Science & Business Media. This book was released on 2006-09-29 with total page 302 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides the first in-depth analysis of the topic, offering an international comparison of credit reporting systems. Coverage includes competition in information markets, the microeconomics of information and privacy, and economic incentives to disclose or to conceal information. The book examines the history of credit reporting agencies and the regulation of privacy and credit reporting around the world. Finally, it surveys the effects of credit reporting in credit markets worldwide.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :236 pages Book Rating :4.F/5 ( download)
Book Synopsis An Overview of the Credit Reporting System by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book An Overview of the Credit Reporting System written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2015 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :516 pages Book Rating :4.:/5 (327 download)
Book Synopsis Fair Credit Reporting Act by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Fair Credit Reporting Act written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2003 with total page 516 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial Privacy by : Nicola Jentzsch
Download or read book Financial Privacy written by Nicola Jentzsch and published by Springer. This book was released on 2007-09-19 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this updated edition, author Nicola Jentzsch provides an in-depth analysis of the economics and regulation of financial privacy. You get a comparative overview of credit reporting systems in the US and in the 27 member states of the European Union. This is the "most in-depth study of the history and economics of credit reporting to date," according to David Medine, former Associate Director of the U.S. Federal Trade Commission.
Book Synopsis Investment climate around the world by : Geeta Batra
Download or read book Investment climate around the world written by Geeta Batra and published by World Bank Publications. This book was released on 2003 with total page 180 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The analysis of firm-level data collected through parallel international enterprise surveys can reveal important linkages between governance constraints and business growth and investment. The World Business Environment Survey (WBES), an initiative led by the World Bank Group in 1999 and 2000, collected enterprise data from more than 10,000 firms in 80 countries and one territory. Econometric analysis of responses to that survey points to a strong association between corruption, financing, regulatory and tax constraints, policy uncertainty, and protection of intellectual property rights with firm-level performance, as measured by sales and investment growth and participation in the formal economy." --Résumé de l'éditeur.
Book Synopsis The Regulation and Supervision of Banks Around the World by : James R. Barth
Download or read book The Regulation and Supervision of Banks Around the World written by James R. Barth and published by World Bank Publications. This book was released on 2001 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: This new and comprehensive database on the regulation and supervision of banks in 107 countries should better inform advice about bank ewgulation and supervision and lower the marginal cost of empirical research.
Book Synopsis The Determinants of Financing Obstacles by :
Download or read book The Determinants of Financing Obstacles written by and published by World Bank Publications. This book was released on 2004 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit Scores & Credit Reports by : Evan Hendricks
Download or read book Credit Scores & Credit Reports written by Evan Hendricks and published by . This book was released on 2004 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a consumer instruction manual for the credit reporting and credit scoring systems. Although these credit systems directly effect the financial standing of millions of Americans, few people understand them.
Book Synopsis Financial Privacy, Consumer Prosperity, and the Public Good by : Fred H. Cate
Download or read book Financial Privacy, Consumer Prosperity, and the Public Good written by Fred H. Cate and published by Rowman & Littlefield. This book was released on 2003-07-22 with total page 71 pages. Available in PDF, EPUB and Kindle. Book excerpt: American consumers have become accustomed to obtaining instant credit. The process requires that credit bureaus have easy access to sensitive financial information about individuals, compiled largely without their consent. This report examines the debate surrounding the role of the states in regulating these credit bureaus, especially in light of expiring amendments to the Fair Credit Reporting Act, which have allowed bureaus to continue these practices, exempting them from state laws that might obstruct them. How this controversy is resolved will have an important bearing on credit markets and financial privacy in the future. The authors make the case for continued federal preemption of the states in this area. Without it, the authors argue, the consumer credit system has developed in the United States would be put in jeopardy.
Book Synopsis How important are financing constraints? : the role of finance in the business environment by : Meghana Ayyagari
Download or read book How important are financing constraints? : the role of finance in the business environment written by Meghana Ayyagari and published by World Bank Publications. This book was released on 2006 with total page 59 pages. Available in PDF, EPUB and Kindle. Book excerpt: What role does the business environment play in promoting and restraining firm growth? Recent literature points to a number of factors as obstacles to growth. Inefficient functioning of financial markets, inadequate security and enforcement of property rights, poor provision of infrastructure, inefficient regulation and taxation, and broader governance features such as corruption and macroeconomic stability are discussed without any comparative evidence on their ordering. In this paper, the authors use firm level survey data to present evidence on the relative importance of different features of the business environment. They find that although firms report many obstacles to growth, not all the obstacles are equally constraining. Some affect firm growth only indirectly through their influence on other obstacles, or not at all. Using Directed Acyclic Graph methodology as well as regressions, the authors find that only obstacles related to finance, crime, and political instability directly affect the growth rate of firms. Robustness tests further show that the finance result is the most robust of the three. These results have important policy implications for the priority of reform efforts. They show that maintaining political stability, keeping crime under control, and undertaking financial sector reforms to relax financing constraints are likely to be the most effective routes to promote firm growth.
Book Synopsis International Differences in Entrepreneurship by : Josh Lerner
Download or read book International Differences in Entrepreneurship written by Josh Lerner and published by University of Chicago Press. This book was released on 2010-06-15 with total page 366 pages. Available in PDF, EPUB and Kindle. Book excerpt: Often considered one of the major forces behind economic growth and development, the entrepreneurial firm can accelerate the speed of innovation and dissemination of new technologies, thus increasing a country's competitive edge in the global market. As a result, cultivating a strong culture of entrepreneurial thinking has become a primary goal throughout the world. Surprisingly, there has been little systematic research or comparative analysis to show how the growth of entrepreneurship differs among countries in various stages of development. International Differences in Entrepreneurship fills this void by explaining how a country's institutional differences, cultural considerations, and personal characteristics can affect the role that entrepreneurs play in its economy. Developing an understanding of the origins of entrepreneurs as well as the choices they make and the complexity of their activities across countries and industries are of central importance to this volume. In addition, contributors consider how environmental factors of individual economies, such as market regulation, government subsidies for banks, and support for entrepreneurial culture affect the industry and the impact that entrepreneurs have on growth in developing nations.
