Credit information, consolidation and credit market performance: bank-level evidence from developing countries

Samuel Fosu

doi:10.1016/j.irfa.2014.01.002

Credit information, consolidation and credit market performance: bank-level evidence from developing countries

Samuel Fosu

Finance

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Abstract

Paying particular attention to the degree of banking market concentration in developing countries, this paper examines the effect of credit information sharing on bank lending. Using bank-level data from African countries over the period 2004 to 2009 and a dynamic two-step system generalised method of moments (GMM) estimation, it is found that credit information sharing increases bank lending. The degree of banking market concentration moderates the effect of credit information sharing on bank lending. The results are robust to controlling for possible interactions between credit information sharing and governance.

Original language	English
Pages (from-to)	23-36
Journal	International Review of Financial Analysis
Volume	32
Early online date	20 Jan 2014
DOIs	https://doi.org/10.1016/j.irfa.2014.01.002
Publication status	Published - Mar 2014

Keywords

Information sharing
Banking market concentration
Bank lending
Governance

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Cite this

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title = "Credit information, consolidation and credit market performance: bank-level evidence from developing countries",

abstract = "Paying particular attention to the degree of banking market concentration in developing countries, this paper examines the effect of credit information sharing on bank lending. Using bank-level data from African countries over the period 2004 to 2009 and a dynamic two-step system generalised method of moments (GMM) estimation, it is found that credit information sharing increases bank lending. The degree of banking market concentration moderates the effect of credit information sharing on bank lending. The results are robust to controlling for possible interactions between credit information sharing and governance.",

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AU - Fosu, Samuel

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N2 - Paying particular attention to the degree of banking market concentration in developing countries, this paper examines the effect of credit information sharing on bank lending. Using bank-level data from African countries over the period 2004 to 2009 and a dynamic two-step system generalised method of moments (GMM) estimation, it is found that credit information sharing increases bank lending. The degree of banking market concentration moderates the effect of credit information sharing on bank lending. The results are robust to controlling for possible interactions between credit information sharing and governance.

AB - Paying particular attention to the degree of banking market concentration in developing countries, this paper examines the effect of credit information sharing on bank lending. Using bank-level data from African countries over the period 2004 to 2009 and a dynamic two-step system generalised method of moments (GMM) estimation, it is found that credit information sharing increases bank lending. The degree of banking market concentration moderates the effect of credit information sharing on bank lending. The results are robust to controlling for possible interactions between credit information sharing and governance.

KW - Information sharing

KW - Banking market concentration

KW - Bank lending

KW - Governance

U2 - 10.1016/j.irfa.2014.01.002

DO - 10.1016/j.irfa.2014.01.002

M3 - Article

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SP - 23

EP - 36

JO - International Review of Financial Analysis

JF - International Review of Financial Analysis

ER -

Credit information, consolidation and credit market performance: bank-level evidence from developing countries

Abstract

Keywords

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