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Bank competition, financing obstacles, and access to credit
Bank competition, financing obstacles, and access to credit

Author: Thorsten Beck, Asl� Demirg�u�c-Kunt, and Vojislav Maksimovic. Demirg�u�c-Kunt, Asl�, Maksimovi�c, Vojislav, ; Thorsten Beck; Aslı Demirgüç-Kunt; Vojislav Maksimović; World Bank.
Publisher: Washington, D.C. : World Bank, [2003]
Series: Policy research working papers (Online), 2996.
Edition/Format:   eBook : EnglishView all editions and formats
Summary:
Theory makes ambiguous predictions about the effects of bank concentration on access to external finance. Using a unique data base for 74 countries of financing obstacles and financing patterns for firms of small, medium, and large size, Beck, Demirgüç-Kunt, and Maksimovic assess the effects of banking market structure on financing obstacles and the access of firms to bank finance. The authors find that bank  Read more...
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Material Type: Internet resource
Document Type: Internet Resource, Computer File
All Authors / Contributors: Thorsten Beck, Asl� Demirg�u�c-Kunt, and Vojislav Maksimovic. Demirg�u�c-Kunt, Asl�, Maksimovi�c, Vojislav, ; Thorsten Beck; Aslı Demirgüç-Kunt; Vojislav Maksimović; World Bank.
OCLC Number: 51937201
Notes: Title from title screen as viewed on March 26, 2003.
"March 14, 2003."
Description: 1 online resource.
Details: Mode of access: World Wide Web.
Series Title: Policy research working papers (Online), 2996.
Responsibility: Thorsten Beck, Asli Demirgüç-Kunt, and Vojislav Maksimovic.

Abstract:

Theory makes ambiguous predictions about the effects of bank concentration on access to external finance. Using a unique data base for 74 countries of financing obstacles and financing patterns for firms of small, medium, and large size, Beck, Demirgüç-Kunt, and Maksimovic assess the effects of banking market structure on financing obstacles and the access of firms to bank finance. The authors find that bank concentration increases financing obstacles and decreases the likelihood of receiving bank finance, with the impact decreasing in size. The relation of bank concentration and financing obstacles is dampened in countries with well developed institutions, higher levels of economic and financial development, and a larger share of foreign-owned banks. The effect is exacerbated by more restrictions on banks' activities, more government interference in the banking sector, and a larger share of government-owned banks. Finally, it is possible to alleviate the negative impact of bank concentration on access to finance by reducing activity restrictions. This paper--a product of Finance, Development Research Group--is part of a larger effort in the group to understand the effects of bank competition.

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