2015年-世界发展银行全球_The_Little_Data_Book_on_Financial_Development_20152016_233页_26mb

报告摘要

The Little Data Book on Financial Development 2015/2016 Summary

Core Content

The Little Data Book on Financial Development 2015/2016 is a concise summary of the Global Financial Development Database (GFDD), published by the World Bank. It provides data on financial development across different dimensions: Depth, Access, Efficiency, and Stability for financial institutions and financial markets. The data is collected for 2003, 2008, and 2013, with some figures indicating the closest available year within two years.

Key Indicators and Themes

Financial Depth

Financial Institutions: Measures the size of financial institutions in relation to GDP.
- Private credit by deposit money banks to GDP (%): Increased from 2003 to 2013.
- Deposit money banks' assets to GDP (%): Grew steadily over the period.
- Nonbank financial institutions' assets to GDP (%): Varied, with notable growth in 2013.
Financial Markets: Measures the depth of financial markets.
- Stock market capitalization to GDP (%): Fluctuated over the years.
- Outstanding domestic private debt securities to GDP (%): Increased in 2013.
- Outstanding domestic public debt securities to GDP (%): Showed some variation.
- Outstanding international debt securities to GDP (%): Generally low, with slight increases.

Financial Access

Financial Institutions: Reflects the availability of financial services to the population.
- Bank accounts per 1,000 adults (age 15+): Increased significantly.
- Bank branches per 100,000 adults (age 15+): Also showed growth.
- Account at a formal financial institution (%): Improved over time.
- Saved at a financial institution in the past year (%): Increased in 2013.
- Loan from a financial institution in the past year (%): Improved in 2013.
- Firms with bank loan/line of credit (%): Increased in 2013.
- Firms using banks to finance investments (%): Rose significantly in 2013.
- Firms using banks to finance working capital (%): Improved in 2013.
- Small firms with bank loan/line of credit (%): Increased in 2013.
Financial Markets: Reflects the access to financial market instruments.
- Value traded excluding top 10 traded companies to tot. val. traded (%): Increased in 2013.
- Mkt. cap. excluding top 10 companies to tot. mkt. cap. (%): Showed some variation.
- Nonfin. corporate bonds to total bonds and notes outstanding (%): Increased in 2013.

Financial Efficiency

Financial Institutions: Measures the efficiency of financial intermediaries.
- Bank net interest margin (%): Fluctuated slightly.
- Bank lending-deposit spread: Decreased over the period.
- Bank overhead costs to total assets (%): Reduced over time.
- Bank return on assets (% after tax): Generally declined.
- Bank return on equity (% after tax): Showed a decline in 2013.
Financial Markets: Measures the efficiency of financial markets.
- Stock market turnover ratio (%): Varied significantly, with a notable drop in 2013.

Financial Stability

Financial Institutions: Measures the stability of financial systems.
- Bank Z-score: Generally improved.
- Bank nonperforming loans to gross loans (%): Decreased in 2013.
- Bank regulatory capital to risk-weighted assets (%): Increased in 2013.
Financial Markets: Measures the stability of financial markets.
- Stock price volatility: Generally decreased in 2013.

Regional Overview

East Asia and Pacific

GDP: $11,413.7 billion
Population: 2,005.8 million
Financial depth, access, efficiency, and stability metrics showed varying trends, with notable improvements in access and stability.

Europe and Central Asia

GDP: $4,041.4 billion
Population: 410.9 million
The region showed improvement in financial access and stability, with some fluctuations in efficiency and depth.

Latin America and the Caribbean

GDP: $5,991.8 billion
Population: 609.1 million
Financial access and depth increased, while efficiency and stability showed mixed trends.

Key Findings

Financial systems in developing economies are generally less deep and less efficient than those in developed economies.
However, their stability has been comparable to that of developed economies in recent years.
The average depth of financial institutions in developed economies is more than twice that in developing economies.
The report emphasizes the importance of long-term finance indicators, particularly in the context of the Global Financial Development Report 2015/2016: Long-term Finance.
The data highlights the multidimensional nature of financial systems, where each characteristic (depth, access, efficiency, stability) is linked to broader socioeconomic development and financial sector policies.

Data Sources and Methodology

The data is sourced from the GFDD, which combines and updates several financial datasets.
The Global Findex database is a key source for financial inclusion data.
Indicators are based on unconsolidated bank data, enterprise surveys, and the World Bank's Global Syndicated Loan and Bond Database (FinDebt).
Aggregate data for ratios, shares, and percentage rates are medians.
Some data points are marked as unavailable or not applicable (denoted by ..), and others are rounded to zero due to small values.

Disclaimer and Licensing

The data is not guaranteed to be accurate.
The boundaries, colors, denominations, and other information on maps do not imply any judgment on the legal status of any territory.
The report is available under the Creative Commons Attribution 3.0 IGO license.
Users must cite the source and include appropriate disclaimers when translating or adapting the content.

Conclusion

The Little Data Book on Financial Development 2015/2016 serves as a valuable resource for understanding the state of financial systems across different regions and income groups. It underscores the importance of financial development in promoting economic growth, reducing poverty, and enhancing economic stability. The report also highlights the need for better data to fully grasp the functioning of financial systems and the role of financial sector policies in shaping them.

展开完整摘要