Expanding Access To Financial Services In Latin America
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Expanding Access To Financial Services In Latin America
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Author : Miguel Basch
language : en
Publisher:
Release Date : 1995
Expanding Access To Financial Services In Latin America written by Miguel Basch and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1995 with Business & Economics categories.
Expanding Access to Financial Services in Latin America examines how macroeconomic conditions and adjustment processes have affected efforts to incorporate small businesses into national financial systems. Constraints include restrictive monetary policies, inflation and high interest rates, as well as the informal and under-capitalized nature of a sector traditionally excluded from access to banking services. Policy recommendations from case studies on Argentina, Chile, Guatemala, Peru and Uruguay point to the importance of market-based allocation tools and a growing role of nongovernmental organizations at different levels of the credit management process.
Advancing Financial Development In Latin America And The Caribbean
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Author : Dyna Heng
language : en
Publisher: International Monetary Fund
Release Date : 2016-04-12
Advancing Financial Development In Latin America And The Caribbean written by Dyna Heng and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-04-12 with Business & Economics categories.
This paper examines the state of financial development in the Latin America and Caribbean (LAC) region as well as potential growth and stability implications from further development. The analysis suggests that access to financial institutions has expanded notably in the past decade, and the region compares favorably with other emerging market regions on this dimension. The region, however, continues to lag behind peers on broader financial development, especially with respect to markets, though there is substantial heterogeneity across countries. Financial systems in many LAC countries are also underdeveloped relative to their macroeconomic fundamentals. Further financial development could convey net benefits to the region, provided there is adequate regulatory oversight to prevent excesses.
Financial Inclusion
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Author : Ms.Era Dabla-Norris
language : en
Publisher: International Monetary Fund
Release Date : 2015-09-28
Financial Inclusion written by Ms.Era Dabla-Norris and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-09-28 with Business & Economics categories.
Countries in Latin America and the Caribbean (LAC) have made important strides in promoting financial inclusion of firms and households. However, while the region is broadly at par with its peers on financial inclusion of firms, household inclusion lags behind. Nonetheless, there is substantial heterogeneity across LAC countries. Reducing borrowing costs and strengthening further the regulatory environment, while taking steps to protect efficiency and stability of the financial system, could help close financial inclusion gaps. Reducing financial participation and monitoring costs and relaxing collateral constraints will help spur growth and reduce inequality though trade-offs are likely, as illustrated in the case of Guatemala, El Salvador, and Peru.
Fintech And Financial Inclusion In Latin America And The Caribbean
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Author : Mr. Dmitry Gershenson
language : en
Publisher: International Monetary Fund
Release Date : 2021-08-20
Fintech And Financial Inclusion In Latin America And The Caribbean written by Mr. Dmitry Gershenson and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-08-20 with Business & Economics categories.
Despite some improvement since 2011, Latin America and the Caribbean continue to lag behind other regions in terms of financial inclusion. There is no clear evidence that fintech developments have supported greater financial inclusion in LAC, contrary to what has been observed elsewhere in the world. Case studies by national policy experts suggest that barriers to entry in the financial sector, along with a constraining regulatory environment, may have hindered a faster adoption of fintech. However, fintech development seems to have accelerated in the wake of the COVID-19 pandemic and with the support of recent policy initiatives.
Financial Integration In Latin America
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Author : Mr.Charles Enoch
language : en
Publisher: International Monetary Fund
Release Date : 2017-04-10
Financial Integration In Latin America written by Mr.Charles Enoch and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-04-10 with Business & Economics categories.
With growth slowing across much of the Latin America as a result of the end of the commodity supercycle and economic rebalancing in China, as well as fragmentation of the international banking system, policies to stimulate growth are needed. This book examines the financial landscapes of seven Latin American economies—Brazil, Chile, Colombia, Mexico, Panama, Peru, and Uruguay—and makes a case for them to pursue regional financial integration. Chapters set out the benefits to the region of financial integration, the barriers to cross-border activity in banks, insurance companies, pension funds, and capital markets, as well as recommendations to address these barriers. Finally, the volume makes the case that regional integration now could be a step toward global integration in the short term.
Expanding Access To Finance
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Author : Mohini Malhotra
language : en
Publisher: World Bank Publications
Release Date : 2007
Expanding Access To Finance written by Mohini Malhotra and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Business & Economics categories.
This book provides a policy framework for governments to increase micro, small and medium enterprises access to financial services one which is based on empirical evidence from around the world. The framework guides governments on how to best focus scarce resources on three things: developing an inclusive financial sector policy; building healthy financial institutions; and investing in information infrastructure such as credit bureaus and accounting standards.
The Basic Analytics Of Access To Financial Services
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Author : Thorsten Beck
language : en
Publisher: World Bank Publications
Release Date : 2006
The Basic Analytics Of Access To Financial Services written by Thorsten Beck and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Bank categories.
Access to financial services, or rather the lack thereof, is often indiscriminately decried as a problem in many developing countries. The authors argue that the "problem of access" should rather be analyzed by identifying different demand and supply constraints. They use the concept of an access possibilities frontier, drawn for a given set of state variables, to distinguish between cases where a financial system settles below the constrained optimum, cases where this constrained optimum is too low, and-in credit services-cases where the observed outcome is excessively high. They distinguish between payment and savings services and fixed intermediation costs, on the one hand, and lending services and different sources of credit risk, on the other hand. The authors include both supply and demand side frictions that can lead to lower access. The analysis helps identify bankable and banked population, the binding constraint to close the gap between the two, and policies to prudently expand the bankable population. This new conceptual framework can inform the debate on adequate policies to expand access to financial services and can serve as the basis for an informed measurement of access.
Fintech In Latin America And The Caribbean Stocktaking
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Author : Pelin Berkmen
language : en
Publisher: International Monetary Fund
Release Date : 2019-03-26
Fintech In Latin America And The Caribbean Stocktaking written by Pelin Berkmen and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-03-26 with Business & Economics categories.
In Latin America and the Caribbean (LAC), financial technology has been growing rapidly and is on the agenda of many policy makers. Fintech provides opportunities to deepen financial development, competition, innovation, and inclusion in the region but also creates new and only partially understood risks to consumers and the financial system. This paper documents the evolution of fintech in LAC. In particular, the paper focuses on financial development, fintech landscape for domestic and cross border payments and alternative financing, cybersecurity, financial integrity and stability risks, regulatory responses, and considerations for central bank digital currencies.
Emerging Issues In Financial Development
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Author : Tatiana Didier
language : en
Publisher: World Bank Publications
Release Date : 2013-12-17
Emerging Issues In Financial Development written by Tatiana Didier and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-12-17 with Business & Economics categories.
This book synthesizes the results of a comprehensive analysis of the status, prospects, and challenges of sustainable financial development in Latin America, as well as the lessons for developed and developing countries.
Finance For Development
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Author : Barbara Stallings
language : en
Publisher: Rowman & Littlefield
Release Date : 2006-03-08
Finance For Development written by Barbara Stallings and has been published by Rowman & Littlefield this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-03-08 with Business & Economics categories.
A Brookings Institution Press and Economic Commission for Latin America and the Caribbean (ECLAC) publication Access to finance is critical in setting the course for development in emerging market economies. In this innovative study, which provides the first book-length analysis of the Latin American financial sector, Barbara Stallings and Rogerio Studart examine the dramatic changes resulting from financial liberalization in the region. The authors begin by discussing the critical transformations taking place in Latin America since 1990—a period marked by acceleration toward a new open, market-oriented development model, and away from a semi-closed model relying heavily on the state. Stallings and Studart examine changes in ownership of the financial sector and government regulation of banking, evaluate the role of capital markets as a source of finance, and compare Latin America's financial sector to that of East Asia. The second section of the book features case studies that demonstrate the changes occurring in Chile, Mexico, and Brazil with particular reference to finance for investment and access to credit. The authors conclude with a set of policy recommendations aimed at strengthening Latin American banks and capital markets so that they can play a greater role in supporting economic development.