Arbeitspapier
Essential Information Sharing Thresholds for Reducing Market Power in Financial Access: A Study of the African Banking Industry
This study investigates the role of information sharing offices (public credit registries and private credit bureaus) in reducing market power for financial access in the African banking industry. The empirical evidence is based on a panel of 162 banks from 42 countries for the period 2001-2011. Three simultaneity-robust empirical strategies are employed, namely: (i) Two Stage Least Squares with Fixed Effects in order to account for simultaneity and the observed heterogeneity; (ii) Generalised Method of Moments (GMM) to control for simultaneity and time-invariant omitted variables and (iii) Instrumental Variable Quantile regressions to account for simultaneity and initial levels of financial access. In order to ensure that information sharing offices influence market power for loan price (quantity) to decrease (increase), public credit registries should have between 3.156% and 3.3% coverage, while private credit bureaus should have between 1.443 and 18.4% coverage. The established thresholds are cut-off points at which information sharing offices completely neutralise the negative effect of market power on financial access. The thresholds are contingent on the dimension (loan price versus loan quantity) and distribution (conditional mean versus conditional distribution) of financial access.
- Sprache
-
Englisch
- Erschienen in
-
Series: AGDI Working Paper ; No. WP/16/036
- Klassifikation
-
Wirtschaft
Financial Institutions and Services: General
Financial Institutions and Services: Other
Telecommunications
Economic Growth and Aggregate Productivity: General
Economywide Country Studies: Africa
- Thema
-
Financial access
Market power
Information sharing
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Asongu, Simplice
Roux, Sara Le
Tchamyou, Vanessa S.
- Ereignis
-
Veröffentlichung
- (wer)
-
African Governance and Development Institute (AGDI)
- (wo)
-
Yaoundé
- (wann)
-
2016
- Handle
- Letzte Aktualisierung
-
10.03.2025, 11:43 MEZ
Datenpartner
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
Objekttyp
- Arbeitspapier
Beteiligte
- Asongu, Simplice
- Roux, Sara Le
- Tchamyou, Vanessa S.
- African Governance and Development Institute (AGDI)
Entstanden
- 2016
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