Use of Banking Services in Emerging Markets--Household-Level Evidence
Thorsten Beck () and
Martin Brown ()
No 8475, CEPR Discussion Papers from C.E.P.R. Discussion Papers
This paper uses survey data for 60,000 households from 29 transition economies in 2006 and 2010 to explore how the use of banking services is related to household characteristics, as well as to bank ownership, deposit insurance and creditor protection. At the household level we find that the holding of a bank account, a bank card, or a mortgage increases with income and education in most countries and find evidence for an urban-rural gap. The use of banking services is also related to the religion and social integration of a household as well as the gender of the household head. Using the within-country variation between 2006 and 2010, we find that the privatization of state-owned banks and an increase in market share of foreign banks are associated with a stronger use of banking services. Foreign bank ownership is also associated with a higher use of bank services among highincome households and households with formal employment. State ownership, by contrast is hardly associated with more outreach to poorer households. More generous deposit insurance and stronger creditor rights also foster the use of banking services among the urban, rich, better educated and formally employed.
Keywords: access to finance; bank ownership; creditor protection; deposit insurance; household finance (search for similar items in EconPapers)
JEL-codes: G18 G2 O16 P34 (search for similar items in EconPapers)
New Economics Papers: this item is included in nep-ban, nep-ias, nep-mfd and nep-tra
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