Publication:
Bank Credit Allocation in Latin America and the Caribbean

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dc.contributor.authorGutierrez, Eva
dc.contributor.authorKarmali, Nadeem
dc.contributor.authorSourrouille, Diego
dc.date.accessioned2018-09-04T17:14:14Z
dc.date.available2018-09-04T17:14:14Z
dc.date.issued2018-08
dc.description.abstractDespite their importance, data on the structure of bank credit by maturity are scarce. For Latin America and the Caribbean, data are particularly difficult to obtain, as few banks report loan maturity data in commercial data sets such as Bankscope. With support from the Association of Supervisors of Banks of the Americas, this study assembled a novel data set on the structure of bank credit allocation in Latin America and the Caribbean covering 21 countries during 2004-14. This paper uses Bankscope and International Financial Statistics data to extended the coverage to more than 100 countries, creating the largest data set so far on credit by maturity. Benchmarking credit structure in Latin America and the Caribbean, the paper finds that the region is financially underdeveloped, because the ratio of short-term credit to gross domestic product is lower than in peers; long-term credit is at par; and consumer and commercial loans are lower. The paper also explores patterns of credit growth through nonparametric regressions. The results indicate that short-term credit grows faster than long-term credit as income grows in low-income countries, but the situation reverses when countries reach high- or middle-income status. Reflecting this trend, the share of mortgage loans rises with income.en
dc.identifierhttp://documents.worldbank.org/curated/en/670491535545976313/Bank-Credit-Allocation-in-Latin-America-and-the-Caribbean
dc.identifier.doi10.1596/1813-9450-8571
dc.identifier.urihttps://hdl.handle.net/10986/30323
dc.languageEnglish
dc.publisherWorld Bank, Washington, DC
dc.relation.ispartofseriesPolicy Research Working Paper;No. 8571
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo
dc.subjectLONG-TERM CREDIT
dc.subjectLENDING
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectCREDIT MATURITY
dc.subjectMORTGAGE LENDING
dc.titleBank Credit Allocation in Latin America and the Caribbeanen
dc.typeWorking Paperen
dc.typeDocument de travailfr
dc.typeDocumento de trabajoes
dspace.entity.typePublication
okr.crossref.titleBank Credit Allocation in Latin America and the Caribbean
okr.dataset.urlhttps://datacatalog.worldbank.org/node/144136
okr.date.disclosure2018-08-29
okr.doctypePublications & Research
okr.doctypePublications & Research::Policy Research Working Paper
okr.docurlhttp://documents.worldbank.org/curated/en/670491535545976313/Bank-Credit-Allocation-in-Latin-America-and-the-Caribbean
okr.guid670491535545976313
okr.identifier.doi10.1596/1813-9450-8571
okr.identifier.externaldocumentum090224b086039696_1_0
okr.identifier.internaldocumentum30380151
okr.identifier.reportWPS8571
okr.importedtrueen
okr.language.supporteden
okr.pdfurlhttp://documents.worldbank.org/curated/en/670491535545976313/pdf/WPS8571.pdfen
okr.region.administrativeLatin America & Caribbean
okr.region.geographicalCaribbean
okr.region.geographicalLatin America
okr.statistics.combined2288
okr.statistics.dr670491535545976313
okr.statistics.drstats1916
okr.topicFinance and Financial Sector Development::Banks & Banking Reform
okr.topicFinance and Financial Sector Development::Capital Markets and Capital Flows
okr.topicFinance and Financial Sector Development::Debt Markets
okr.topicFinance and Financial Sector Development::Finance and Development
okr.topicFinance and Financial Sector Development::Non Bank Financial Institutions
okr.unitFinance, Competitiveness and Innovation Global Practice
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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