publication . Research . 2011

Use of Banking Services in Emerging Markets -Household-Level Evidence (Replaces EBC DP 2010-025)

Beck, T.H.L.; Brown, M.;
Open Access English
  • Published: 01 Jan 2011
  • Publisher: EBC
  • Country: Netherlands
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 privatiza...
free text keywords: Access to finance, Household finance, Bank-ownership, Deposit insurance, Creditor protection, G2 - Financial Institutions and Services, G18 - Government Policy and Regulation, O16 - Financial Markets ; Saving and Capital Investment ; Corporate Finance and Governance, P34 - Financial Economics
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