Is small beautiful ? financial structure, size and access to finance, Vol. 1 of 1

About

Countries

Data & Research

Learning

News

Projects & Operations

Publications

Topics

Home > Data & Research > Document Search > Report Details

Is small beautiful ? financial structure, size and access to finance

Author:	Beck, Thorsten; Demirguc-Kunt, Asli; Singer, Dorothe;	Collection Title:	Policy Research working paper ; no. WPS 5806
Country:	World;	Date Stored:	2011/09/22
Document Date:	2011/09/01	Document Type:	Policy Research Working Paper
Language:	English	Major Sector:	Finance
Rel. Proj ID:	1W-The Crisis And Beyond: Fy11-Fy13 -- -- P122136;	Region:	The World Region
Report Number:	WPS5806	Sub Sectors:	General finance sector
SubTopics:	Access to Finance; Non Bank Financial Institutions; Banks & Banking Reform; Debt Markets; Microfinance	Volume No:	1 of 1

Summary: Combining two unique data sets, this paper explores the relationship between the relative importance of different financial institutions and their average size and firms' access to financial services. Specifically, the authors explore the relationship between the share in total financial assets and average asset size of banks, low-end financial institutions, and specialized lenders, on the one hand, and firms' access to and use of deposit and lending services, on the other hand. Two findings stand out. First, the dominance of banks in most developing and emerging markets is associated with lower use of financial services by firms of all sizes. Low-end financial institutions and specialized lenders seem particularly suited to ease access to finance in low-income countries. Second, there is no evidence that smaller institutions are better in providing access to finance. To the contrary, larger specialized lenders and larger banks might actually ease small firms' financing constraints, but only at low levels of gross domestic product per capita.


Official Documents Official, scanned versions of documents (may include signatures, etc.)
File Type		Description	File Size (mb)

	PDF 34 pages	Official version*	2.38 (approx.)
	Text	Text version**

	See documents related to this project

* The official version is derived from scanning the final, paper copy of the document and is the official,
archived version including all signatures, charts, etc.

** The text version is the OCR text of the final scanned version and is not an accurate representation of the final text.
It is provided solely to benefit users with slow connectivity.

Permanent URL for this page: http://go.worldbank.org/YF4D6XZZB0