Foreign Bank Ownership and Household Credit

Thorsten Beck

No 1206, Working Papers on Finance from University of St. Gallen, School of Finance

Abstract: This paper uses survey data for over 23,000 households from 28 transition countries in 2010 to explore how the use of household credit is related to foreign bank ownership. In countries with higher foreign bank presence we find a stronger relation between household income, education and employment status and the use of credit cards and mortgages. Our findings are robust to endogeneity and are supply rather than demand-driven. They suggest that foreign banks - as compared to domestic banks – are more likely to cherry-pick their retail credit customers.

Keywords: Access to finance; Household credit; Bank-ownership. (search for similar items in EconPapers)
JEL-codes: G18 G2 O16 P34 (search for similar items in EconPapers)
Pages: 37 pages
Date: 2012-10
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Citations: View citations in EconPapers (1)

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http://ux-tauri.unisg.ch/RePEc/usg/sfwpfi/WPF-1206.pdf (application/pdf)

Related works:
Journal Article: Foreign bank ownership and household credit (2015)
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Persistent link: https://EconPapers.repec.org/RePEc:usg:sfwpfi:2012:06

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