Assessing Financial Access in Brazil
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Washington, DC: World Bank
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This paper is organized as follows:
Chapter 1 Introduction. Chapter 2 investigates the extent to
which the supply of banking services has increased or
diminished over time, and also analyzes factors underlying
the spatial distribution of banking services, and the
relative roles of public and private banks. Chapters 3 and 4
look at the use of financial services by urban individuals
and analyze factors accounting for differentials in
access-in particular the importance of regional and local
differentials in access, the role of public versus private
financial institutions, and the role of individual
characteristics that could serve as proxies for information
on creditworthiness. The final chapter summarizes the
findings of this paper.
Palabras clave
ACCOUNTING, AGRICULTURE, ASYMMETRIC INFORMATION, AUTOMATED TELLER MACHINES, BANK ACCOUNTS, BANK BRANCHES, BANK MERGERS, BANKING INDUSTRY, BANKING SECTOR, BANKING SERVICES, BANKING SYSTEM, BANKS, BORROWING, BRANCH LOCATION, CENTRAL BANK, CONSUMERS, CREDIT POLICIES, CREDITWORTHINESS, DEPOSIT INSURANCE, DEPOSITS, ECONOMETRIC ANALYSIS, ECONOMIC GROWTH, EMPLOYMENT, FINANCIAL ASSETS, FINANCIAL CRISES, FINANCIAL INDICATORS, FINANCIAL INSTITUTIONS, FINANCIAL MARKETS, FINANCIAL SERVICES, FINANCIAL SYSTEMS, FOREIGN BANKS, GDP, GDP PER CAPITA, HOUSING, HOUSING FINANCE, HUMAN CAPITAL, INCOME, INCOME LEVELS, INFLATION, LATIN AMERICAN, LAWS, LICENSES, LIQUIDITY, LOTTERY, METROPOLITAN AREAS, MICROFINANCE, MIDDLE INCOME COUNTRIES, MUNICIPALITIES, OPTIMIZATION, PENSIONS, PER CAPITA INCOME, PERMANENT INCOME, PERMANENT INCOME HYPOTHESIS, PORTFOLIOS, PRIVATE BANKS, PRIVATIZATION, PRODUCTIVITY, PRUDENTIAL REGULATIONS, PUBLIC, PUBLIC SERVICES, RETIREMENT, SAVINGS, SAVINGS ACCOUNTS, SAVINGS BEHAVIOR, STABILIZATION, STATE BANKS, SUBSIDIARY, WAGES, WEALTH, WORKING CAPITAL