Collateralized Borrowing: Insights from The World Bank Enterprise Surveys

Yuting Fan, Ha Minh Nguyen, Rong Qian, Ha Minh Nguyen and Rong Qian
Authors registered in the RePEc Author Service: Rong Qian () and Ha Nguyen

No 6001, Policy Research Working Paper Series from The World Bank

Abstract: Using the World Bank Enterprise Surveys, we investigate the prevalence and correlates of collateralized borrowing in 131 countries between 2005-2017. Overall, 77 percent of loans require collateral, and the median loan-to-collateral value is 60 percent. Small firms and loans from non-bank financial institutions are less often associated with collateral. When collateral is pledged, the type of collateral assets is strongly correlated with the loan-to-value ratio.

Keywords: Employment and Unemployment; Judicial System Reform; Legal Institutions of the Market Economy; Capital Markets and Capital Flows; Non Bank Financial Institutions; Capital Flows; Access to Finance (search for similar items in EconPapers)
Date: 2012-03-01
New Economics Papers: this item is included in nep-ban
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Citations: View citations in EconPapers (8)

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