Financial Access 2009 : Measuring Access to Financial Services around the World

Consultative Group to Assist the Poor

Consultative Group to Assist the Poor/The World Bank, Washington, DC

关键词: ACCESS POINT;    ACCESS POINTS;    ACCESS TO CREDIT;    ACCESS TO FINANCE;    ACCESS TO FINANCIAL SERVICES;   

RP-ID  :  70079

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

Financial Access 2009 introduces thelatest data from a survey of financial regulators in 139countries. It presents indicators of access to savings,credit, and payment services in banks, and in regulatednonbank financial institutions. It is intended for a broadaudience of policymakers, researchers, practitioners,multilateral and bilateral investors, in order to guidemonetary policy, monitor systemic risks, and collectinformation on the values of deposits and credit. Thisreport reviews three interventions: disclosure requirements,interest rate caps, and methods to address excessive lendingthat can result in consumer indebtedness. Improvedtransparency and disclosure allow borrowers to make informedchoices and can facilitate competition in financial markets,eventually leading to lower prices and improved products.Policies to restrict interest rates or credit quantity,especially in consumer credit, seem to have limited effectbut require further analysis.