Philippines Financial Sector Assessment Program Update : Access to Finance

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作者：

World Bank

来源地址：

http://hdl.handle.net/10986/27415

关键词：

ACCEPTABLE COLLATERAL;  ACCESS POINTS;  ACCESS TO BANKING;  ACCESS TO BANKING SERVICES;  ACCESS TO FINANCE;  ACCESS TO FINANCIAL SERVICES;  ACCESSIBLE BANKING;  ACCOUNT MAINTENANCE;  ACCOUNTING;  ACCREDITATION;  AGRARIAN REFORM;  AGRICULTURAL CREDIT;  AGRICULTURAL SECTOR;  ATM PENETRATION;  BALANCE SHEET;  BANK ACCOUNTS;  BANK BRANCH;  BANK BRANCHES;  BANK CREDIT;  BANK DEPOSIT;  BANK DEPOSITS;  BANK LENDING;  BANK LOAN;  BANK LOANS;  BANK OFFICES;  BANKERS ASSOCIATION;  BANKING INDUSTRY;  BANKING LAW;  BANKING SECTOR;  BANKING SERVICES;  BANKS;  BORROWER;  BUSINESS DEVELOPMENT;  BUSINESS DEVELOPMENT SERVICES;  BUSINESS LOANS;  BUSINESS PLAN;  CAPACITY BUILDING;  CAPITAL MARKET;  CAPITAL REQUIREMENTS;  CASH FLOW;  COLLATERAL;  COLLATERAL REQUIREMENTS;  COLLATERALIZATION;  COMMERCIAL BANK;  COMMERCIAL BANKS;  CONSOLIDATION;  CONSUMER CREDIT;  CONSUMER FINANCE;  CONSUMER PROTECTION;  COOP;  COOPERATIVE BANK;  COOPERATIVE BANKS;  COOPERATIVE DEVELOPMENT;  COOPERATIVES;  COST OF CREDIT;  CREDIT ALLOCATION;  CREDIT ALLOCATIONS;  CREDIT BUREAU;  CREDIT BUREAUS;  CREDIT CARD;  CREDIT CARDS;  CREDIT COOPERATIVES;  CREDIT DECISION;  CREDIT DECISIONS;  CREDIT GUARANTEE;  CREDIT HISTORY;  CREDIT INFORMATION;  CREDIT INFORMATION SYSTEM;  CREDIT PRODUCTS;  CREDIT PROGRAMS;  CREDIT PROVISION;  CREDIT SCORING;  CREDITORS;  CREDITS;  DEBIT CARD;  DEBIT CARDS;  DEMAND FOR CREDIT;  DEPOSIT;  DEPOSIT ACCOUNTS;  DEPOSIT INSURANCE;  DEPOSIT MOBILIZATION;  DEPOSITORS;  DEPOSITS;  DEVELOPMENT BANK;  DOCUMENTATION REQUIREMENTS;  EARNING POWER;  ELECTRONIC BANKING;  EMPLOYMENT;  EXCHANGE COMMISSION;  EXPENDITURE;  EXPENDITURES;  FACE VALUE;  FACTORING;  FAMILY INCOME;  FAMILY INCOMES;  FARMERS;  FINANCE COMPANIES;  FINANCES;  FINANCIAL ACCESS;  FINANCIAL AGENCIES;  FINANCIAL EDUCATION;  FINANCIAL INFRASTRUCTURE;  FINANCIAL INSTITUTION;  FINANCIAL LITERACY;  FINANCIAL PERFORMANCE;  FINANCIAL PRODUCTS;  FINANCIAL RATIOS;  FINANCIAL SECTOR ASSESSMENT;  FINANCIAL SERVICE;  FINANCIAL SERVICE PROVIDERS;  FINANCIAL SERVICES;  FINANCIAL SYSTEM;  FINANCIAL TRANSACTIONS;  FORMAL BANKING;  FORMAL FINANCIAL INSTITUTION;  FORMAL FINANCIAL INSTITUTIONS;  FORMAL FINANCIAL SECTOR;  FORMAL FINANCIAL SERVICES;  FORMAL SAVINGS;  FULL DISCLOSURE;  GOVERNMENT FINANCIAL INSTITUTIONS;  GOVERNMENT INTERVENTION;  GOVERNMENT POLICIES;  GOVERNMENT SECURITIES;  GUARANTEE SCHEMES;  HIGH INTEREST RATES;  HOUSEHOLDS;  HOUSING;  ID;  INCOME TAX;  INDEBTEDNESS;  INFORMAL FINANCING;  INFORMATION ON CREDIT;  INFORMATION SYSTEM;  INTEREST PAYMENTS;  INTEREST RATE;  INTEREST RATES;  INTERNAL FUNDS;  INTERNATIONAL ACCOUNTING STANDARDS;  INTERNATIONAL BANK;  INTERNATIONAL FINANCE;  KEY PERFORMANCE INDICATORS;  LACK OF ACCESS;  LAND BANK;  LAND REGISTRATION;  LEGISLATION;  LENDING DECISIONS;  LINE OF CREDIT;  LOAN;  LOAN AMOUNT;  LOAN APPLICATION;  LOAN PAYMENT;  LOAN PAYMENTS;  LOAN PORTFOLIO;  LOAN PROCESSING;  LOAN UNDERWRITING;  LOANABLE FUNDS;  LOW-INCOME BORROWERS;  MERCHANTS;  MFI;  MFIS;  MICRO FINANCE;  MICRO FINANCE INSTITUTIONS;  MICROFINANCE;  MICROFINANCE INSTITUTIONS;  MICROFINANCE LOANS;  MICROINSURANCE;  MONEY LAUNDERING;  MONEY LENDERS;  MONEY TRANSFERS;  MONEYLENDERS;  MULTINATIONAL;  OPERATING EXPENSES;  OUTREACH;  PARTIAL CREDIT;  PAWN;  PAWN SHOPS;  PAWNSHOPS;  PAYMENT HISTORY;  POLICY ENVIRONMENT;  PRIVATE FUNDING;  PRIVATE LENDERS;  PROFITABILITY;  PROVISION OF CREDIT;  RECEIPTS;  REGISTRATION PROCESSES;  REGULATORY FRAMEWORK;  REGULATORY POLICIES;  REMITTANCE;  REMITTANCES;  REPAYMENT;  RESERVE REQUIREMENTS;  RETIREMENT;  RETURN ON ASSETS;  RETURN ON EQUITY;  RISK MANAGEMENT;  RURAL BANK;  RURAL BANKS;  RURAL CLIENTS;  SAVINGS ACCOUNT;  SAVINGS ACCOUNTS;  SAVINGS MECHANISMS;  SAVINGS PRODUCT;  SECURITIES;  SMALL ENTERPRISES;  SMALL FARMERS;  SMALLHOLDER;  SOCIAL WELFARE;  SOURCE OF CREDIT;  SOURCES OF FINANCE;  SUBSIDIARIES;  SUBSIDIARY;  TAX RETURNS;  TAXATION;  TECHNICAL SUPPORT;  TRANSACTION COSTS;  TRANSPORT;  UNIVERSAL BANK;  UNIVERSAL BANKS;  URBANIZATION;  WORKING CAPITAL;  Report;  Rapport;  Informe; 

年份：

2011

出版地：

Washington,USA

语种：

English

摘要：

This technical note on access to finance addresses six questions: 1) what is the access to and use of financial services in the Philippines, how does it vary, and how does it compare to other countries? 2) What financial services are available to different market segments? 3) How do different categories of financial institutions contribute to outreach, and what is their potential to expand outreach? 4) How does the regulatory environment support access to finance? 5) What financial infrastructure is available to make credit decisions? 6) What are the results of government policies or programs to promote access to financial services? The note concludes with recommendations to improve access to finance. An estimated 30 percent of Filipinos use formal financial services. This is lower than the East Asia region average. Access to finance has improved since the 2002 Financial Sector Assessment Program (FSAP). The provision of financial services to low-income individuals has expanded. The Philippines has received international recognition for its favorable regulatory policies to promote pioneering use of mobile payments technology and its microfinance regulatory framework.