Mongolia Financial Sector Assessment : Access to Finance

• 查看报告

作者：

World Bank

来源地址：

http://hdl.handle.net/10986/27091

关键词：

ACCESS TO CREDIT;  ACCESS TO FINANCE;  ACCESS TO FINANCIAL SERVICES;  ACCESS TO FINANCING;  ACCOUNTS RECEIVABLES;  AFFORDABLE PRICES;  AGRICULTURAL BANK;  APR;  ATM;  AUTOMATIC TELLER;  AVAILABILITY OF COLLATERAL;  BACKED LOANS;  BALANCE SHEET;  BANK ACCOUNT;  BANK ASSETS;  BANK BRANCH;  BANK BRANCHES;  BANK CREDIT;  BANK LENDING;  BANK LOAN;  BANK LOANS;  BANKING SERVICE;  BANKING SERVICES;  BANKING SYSTEM;  BANKRUPTCY;  BANKRUPTCY LEGISLATION;  BANKS;  BORROWER;  BORROWING;  BORROWINGS;  BUSINESS ACTIVITIES;  BUSINESS ASSOCIATION;  BUSINESS LOANS;  BUSINESS PLANS;  CAPITAL ADEQUACY;  CAPITAL FORMATION;  CAPITAL MARKET;  CAR LOANS;  CASH FLOW;  CASH FLOWS;  CHECKING ACCOUNTS;  COLLATERAL;  COLLATERAL REQUIREMENTS;  COMMERCIAL BANKS;  CONSUMER PROTECTION;  CONSUMER PROTECTION LAW;  CONTRIBUTION;  CONTRIBUTIONS;  CORPORATE DEPOSITS;  CORRUPTION;  CREDIT ALLOCATION;  CREDIT BUREAU;  CREDIT BUREAUS;  CREDIT CARD;  CREDIT CARDS;  CREDIT COOPERATIVE;  CREDIT COOPERATIVES;  CREDIT GUARANTEE;  CREDIT GUARANTEES;  CREDIT HISTORIES;  CREDIT HISTORY;  CREDIT INFORMATION;  CREDIT INFORMATION BUREAU;  CREDIT INFORMATION SYSTEM;  CREDIT INSTITUTIONS;  CREDIT LINES;  CREDIT PRODUCTS;  CREDIT PROGRAM;  CREDIT RATING;  CREDIT REGISTRY;  CREDIT REPORTING;  CREDIT RISK;  CREDIT SCORING;  CREDIT SCORING MODELS;  CREDITOR;  CREDITORS;  CREDITWORTHINESS;  CURRENCY EXCHANGE;  CURRENT ACCOUNTS;  DEBIT CARDS;  DEBT;  DEBTS;  DECEPTIVE PRACTICES;  DEMAND FOR CREDIT;  DEPOSIT;  DEPOSIT ACCOUNTS;  DEPOSITORS;  DEPOSITS;  DEVELOPMENT BANK;  DIRECT DEPOSIT;  DIRECT DEPOSITS;  ECONOMIC DEVELOPMENT;  ECONOMIC GROWTH;  ELECTRONIC PAYMENT;  ELECTRONIC PAYMENTS;  ELECTRONIC TRANSFERS;  EMPLOYERS;  ENFORCEMENT MECHANISM;  ENTREPRENEURS;  EQUITY FINANCING;  EXCHANGE RATE;  FINANCIAL ACCESS;  FINANCIAL ASSISTANCE;  FINANCIAL DIFFICULTIES;  FINANCIAL INFRASTRUCTURE;  FINANCIAL INSTITUTION;  FINANCIAL INSTITUTIONS;  FINANCIAL INSTRUMENT;  FINANCIAL INSTRUMENTS;  FINANCIAL INTERMEDIARIES;  FINANCIAL INTERMEDIATION;  FINANCIAL LITERACY;  FINANCIAL MARKET;  FINANCIAL OBLIGATIONS;  FINANCIAL PRODUCTS;  FINANCIAL PROVIDERS;  FINANCIAL RESPONSIBILITY;  FINANCIAL SECTOR;  FINANCIAL SECTOR ASSESSMENT;  FINANCIAL SERVICE;  FINANCIAL SYSTEM;  FISCAL POLICY;  FIXED ASSETS;  FIXED CAPITAL;  FOREIGN CURRENCY;  FORMAL FINANCIAL INSTITUTION;  FUNDING SOURCES;  GOVERNMENT POLICIES;  GREATER ACCESS;  HIGH INTEREST RATES;  HOUSEHOLD DEPOSITS;  HOUSEHOLDS;  IMPORT DUTY;  INCOME-GENERATING ACTIVITIES;  INFORMATION ABOUT CREDIT;  INFORMATION SERVICE;  INFORMATION SHARING;  INFORMATION TECHNOLOGY;  INITIAL FUNDING;  INSTITUTIONAL CAPACITY;  INTEREST RATE;  LEGAL REQUIREMENTS;  LENDERS;  LENDING REQUIREMENTS;  LINE OF CREDIT;  LIVESTOCK INSURANCE;  LOAN;  LOAN AMOUNT;  LOAN AMOUNTS;  LOAN APPLICATIONS;  LOAN DECISION;  LOAN GUARANTEES;  LOAN PAYMENTS;  LOAN PORTFOLIO;  LOAN PRODUCTS;  LOAN REPAYMENT;  LOAN SIZE;  LOAN SIZES;  LOAN TERM;  LOAN TERMS;  LOANS FROM FRIENDS;  LONG-TERM FUNDING;  MARKET INEFFICIENCIES;  MARKET SHARE;  MERCHANTS;  MICRO-FINANCE;  MICRO-LOANS;  MICROCREDIT;  MICROFINANCE;  MICROFINANCE INSTITUTIONS;  MICROFINANCE LENDING;  MICROFINANCE LOANS;  MONETARY POLICY;  MORTGAGE;  MORTGAGE LOAN;  MORTGAGE LOANS;  MORTGAGES;  OUTSTANDING BALANCE;  OVERDRAFT;  OVERDRAFT LOANS;  PARTIAL CREDIT;  PAYMENT INFRASTRUCTURE;  PENETRATION RATE;  PENETRATION RATES;  PENSION FUNDS;  POINT OF SALE;  POINT-OF-SALE;  PRIVATE CREDIT;  PRIVATE LENDERS;  PROVISION OF FINANCE;  PUBLIC CREDIT;  REAL ESTATE;  REGISTRATION SYSTEM;  REMITTANCES;  RURAL BRANCH;  RURAL CLIENTS;  SALES;  SAVINGS;  SAVINGS ACCOUNT;  SAVINGS ACCOUNTS;  SAVINGS BANK;  SAVINGS PRODUCTS;  SECURITIES;  SHORT-TERM DEPOSITS;  SMALL BORROWERS;  SMALL BUSINESSES;  SMALL ENTERPRISES;  SMALL LOAN;  SMALL LOANS;  SOFT LOANS;  SOURCES OF FINANCE;  START-UP;  STUDENT LOANS;  SUB-LOANS;  SUBSIDIZATION;  TAX INCENTIVES;  TECHNICAL ASSISTANCE;  TERM CREDIT;  TRADE FINANCING;  TUITION;  UNFAIR COMPETITION;  UNION;  URBAN AREAS;  WORKING CAPITAL;  Report;  Rapport;  Informe; 

年份：

2012

出版地：

Washington,USA

语种：

English

摘要：

Mongolia's economy has embarked on a very high, long-term growth trajectory. To realize fully its economic potential, Mongolia needs to build a diversified, efficient and stable financial system, capable of intermediating both on a large scale and in specific market segments. Access to financial services in Mongolia is relatively high when measured by the demographic penetration of branches. The aim of this technical note is to assess the level of access to finance in Mongolia, and especially for Micro, Small and Medium Enterprises (MSMEs), to identify key obstacles to improving access, and to provide recommendations to overcome these obstacles. The technical note is organized as follows. Section one provides a broad overview of the macroeconomic environment and is followed by section two on the status of access to finance in Mongolia. Section three discusses products and market segments. Section four examines the supply of financial services by analyzing the role of key market players. Section five examines the demand for financial services by drawing on enterprise surveys to assess firms perceptions of their access to finance, and analyzes financing conditions for MSMEs. Section six examines obstacles in the regulatory, supervisory framework, and financial infrastructure for access to finance. Section seven describes the main government programs related to access to finance. In conclusion, section eight provides policy recommendations for overcoming obstacles to enhancing access to finance.