Accessing rural finance: the rural financial market in Northern Vietnam
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Abschlussarbeit Buch |
| Sprache: | English German |
| Veröffentlicht: |
Halle (Saale)
IAMO
2007
|
| Schriftenreihe: | Studies on the agricultural and food sector in Central and Eastern Europe
36 |
| Schlagworte: | |
| Online-Zugang: | Volltext Inhaltsverzeichnis |
| Beschreibung: | Online-Ausg. im Internet. - Zsfassung in dt. Sprache |
| Beschreibung: | XXII, 142 S. graph. Darst. |
| ISBN: | 3938584165 |
Internformat
MARC
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| 245 | 1 | 0 | |a Accessing rural finance |b the rural financial market in Northern Vietnam |c by Thomas Dufhues |
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Datensatz im Suchindex
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| adam_text | Table of contents
Preface............................................................................................................ Ill
Acknowledgements............................................................................................. V
Table of contents............................................................................................ VII
List of tables..____........._____........._______.......______............________........ X
List of figures................................................................................................. XI
List of abbreviations...................................................................................... XII
Abstract................................................................................................................ XV
Deutsche Kurzfassung...................................................................................XIX
1 Introduction............................................................................................... 1
1.1 Conceptual framework and objectives................................................................. 2
1.2 Organization of the study...................................................................................... 5
2 The transformation of the financial system in Vietnam and its
implications for the rural financial market - An update...................... 7
2.1 Introduction............................................................................................................ 7
2.2 The financial landscape in Vietnam..................................................................... 9
2.3 Reforms in the financial market........................................................................... 12
2.3.1 Reforming steps in the banking sector.............................................................. 12
2.3.1.1 Competition.................................................................................................. 13
2.3.1.2 Interest rate policy........................................................................................ 15
2.3.1.3 Political lending........................................................................................... 17
2.3.2 State-owned enterprises and non-performing loans......................................... 18
2.3.3 Legal environment............................................................................................ 21
2.3.4 Regulatory environment.................................................................................... 23
2.4 Conclusions and policy recommendations______________________________ 25
VU!____________________________Table of contents
3 Information and targeting policies and their principal-agent
relationships - The case of the Vietnam Bank for the Poor.................. 29
3.1 Introduction............................................................................................................ 29
3.1.1 Problem statement............................................................................................ 31
3.1.2 Objectives and methodology............................................................................. 32
3.2 New Institutional Economics and the analysis of information flows in
Vietnam s rural credit allocation.......................................................................... 32
3.2.1 Transaction costs.............................................................................................. 33
3.2.2 Principal-agent concept.................................................................................... 34
33 Targeting policies of the VBP in Ba Be................................................................ 36
3.3.1 Target group definition and poverty criteria.................................................... 36
3.3.2 Effective targeting of the VBP loans in the research communes...................... 39
3.4 Decision-making process of credit allocation for the poor in the
case of VBP............................................................................................................. 42
3.4.1 Credit policy..................................................................................................... 42
3.4.2 Credit allocation process.................................................................................. 44
3.4.3 Loan application procedure.............................................................................. 45
3.4.4 Backward and forward information flows between VBP,
local authorities and households...................................................................... 47
3.4.4.1 Formalized information channels................................................................. 47
3.4.4.2 Non-formalized information channels......................................................... 51
3.5 Conclusions and policy recommendations........................................................... 51
4 Outreach of credit institutes and households access
constraints to formal credit in Northern Vietnam................................. 55
4.1 Introduction............................................................................................................ 55
4.2 Methodology and data........................................................................................... 57
4.2.1 Access constraints to formal rural credit - The conceptual framework........... 57
4.2.2 Measuring outreach and access: Econometric models.................................... 61
4.2.3 Regional focus and sampling procedures......................................................... 67
4.3 Outreach of and access to formal rural lenders in Vietnam_______________ 69
4.3.1 Collateral use.................................................................................................... 69
4.3.2 Effective formal credit demand......................................................................... 71
4.3.3 Credit outreach................................................................................................. 75
4.3.4 Credit-constrained households......................................................................... 78
4.4 Conclusions and policy recommendations........................................................... 84
Table of contents IX
5 Participatory product design by using Conjoint Analysis
in the rural financial market of Northern Vietnam............................... 87
5.1 Introduction............................................................................................................ 87
5.2 Material and methods............................................................................................ 89
5.2.1 Conjoint survey................................................................................................. 90
5.2.2 Regional focus and sampling procedures......................................................... 94
5.2.3 Econometric analysis........................................................................................ 95
5.3 Results and discussion............................................................................................ 97
5.3.1 Institutional assessment.................................................................................... 97
5.3.1.1 Structure of VBARD/VBP........................................................................... 98
5.3.1.2 Supply of savings products.......................................................................... 110
5.3.2 Potential demand.............................................................................................. ///
5.3.2.1 Potential demand for credit.......................................................................... 111
5.3.2.2 Potential demand for savings....................................................................... 114
5.4 Conclusions and policy recommendations........................................................... 117
6 Final conclusion......................................................................................... 119
Reference list.................................................................................................. 124
Annex.............................................................................................................. 141
List of tables
Table 2-1: Increasing number of players in the banking sector.................................. 13
Table 3-1: Income categories of households in VND................................................. 39
Table 3-2: Wealth status and VBP loans of HH in research communes..................... 40
Table 3-3: Percentage of HH per village with VBP credits?...................................... 41
Table 3-4: Nominai interest rates per month of the VBP in Ba Be district................. 43
Table 4-1 : Variables for the binary logistic regression model on credit access.......... 64
Table 4-2: Research areas and sample composition.................................................... 68
Table 4-3: Depth of outreach of formal lender clients................................................ 76
Table 4-4: Outreach of formal credit by poverty group.............................................. 76
Table 4-5: Parameters influencing households access to formal credit —
Binary logit estimation.............................................................................. 79
Table 4-6: Classification of correctly predicted access to formal
credit-constrained households................................................................... 80
Table 5-1 : Credit attributes and their levels................................................................ 91
Table 5-2: Deposit attributes and their levels.............................................................. 92
Table 5-3: Research areas and sample composition.................................................... 95
Table 5-4: Loan structure of VBARD/VBP in Ba Be district..................................... 104
Table 5-5: Nominal interest rates per month of VBARD/VBP in Ba Be district....... 105
Table 5-6: Savings products at VBARD in Ba Be district.......................................... 111
Table 5-7: Logit estimation of average utility values for saving attributes................... 116
Table A-l : Descriptive statistics of the independent variables for the binary
logistic regression model on credit access................................................. 141
Table A-2: Logit estimation of average utility values for credit attributes.................. 143
Tabie A-3: Logit estimation of average utility values for saving attributes................ 144
List of figures
Figure 1-1: Factors of access and outreach relating to the financial system................ 2
Figure 1-2: The rural financial market and the levels of analysis................................ 3
Figure 3-1: The nine-step procedure to obtain a loan from the VBP........................... 46
Figure 3-2: Formalized information flows................................................................... 49
Figure 4-1: Conceptual framework —The capital-collateral system............................ 59
Figure 4-2: Percentage of households using different credit sectors............................ 72
Figure 4-3: Access-constrained households................................................................. 72
Figure 4-4: Interest rates per month of formal and informal credits............................ 73
Figure 4-5: Formal and informal credit terms.............................................................. 74
Figure 4-6: Loan size of formal and informal credits in VND millions....................... 74
Figure 4-7: Loan term of formal credits in years.......................................................... 78
Figure 4-8: Loan amount of formal credits.................................................................. 78
Figure 5-1 : Real credit interest rate of VBP in Ba Be district...................................... 105
Figure 5-2: The six-step procedure to obtain an individual loan from the VBARD
in Ba Be district......................................................................................... 109
Figure A-l: Decision tree of the effective credit demand in the formal sector............. 142
Figure A-2: Principal Component Indicators................................................................ 142
|
| adam_txt |
Table of contents
Preface. Ill
Acknowledgements. V
Table of contents. VII
List of tables._._._._._. X
List of figures. XI
List of abbreviations. XII
Abstract. XV
Deutsche Kurzfassung.XIX
1 Introduction. 1
1.1 Conceptual framework and objectives. 2
1.2 Organization of the study. 5
2 The transformation of the financial system in Vietnam and its
implications for the rural financial market - An update. 7
2.1 Introduction. 7
2.2 The financial landscape in Vietnam. 9
2.3 Reforms in the financial market. 12
2.3.1 Reforming steps in the banking sector. 12
2.3.1.1 Competition. 13
2.3.1.2 Interest rate policy. 15
2.3.1.3 Political lending. 17
2.3.2 State-owned enterprises and non-performing loans. 18
2.3.3 Legal environment. 21
2.3.4 Regulatory environment. 23
2.4 Conclusions and policy recommendations_ 25
VU!_Table of contents
3 Information and targeting policies and their principal-agent
relationships - The case of the Vietnam Bank for the Poor. 29
3.1 Introduction. 29
3.1.1 Problem statement. 31
3.1.2 Objectives and methodology. 32
3.2 New Institutional Economics and the analysis of information flows in
Vietnam's rural credit allocation. 32
3.2.1 Transaction costs. 33
3.2.2 Principal-agent concept. 34
33 Targeting policies of the VBP in Ba Be. 36
3.3.1 Target group definition and poverty criteria. 36
3.3.2 Effective targeting of the VBP loans in the research communes. 39
3.4 Decision-making process of credit allocation for the poor in the
case of VBP. 42
3.4.1 Credit policy. 42
3.4.2 Credit allocation process. 44
3.4.3 Loan application procedure. 45
3.4.4 Backward and forward information flows between VBP,
local authorities and households. 47
3.4.4.1 Formalized information channels. 47
3.4.4.2 Non-formalized information channels. 51
3.5 Conclusions and policy recommendations. 51
4 Outreach of credit institutes and households' access
constraints to formal credit in Northern Vietnam. 55
4.1 Introduction. 55
4.2 Methodology and data. 57
4.2.1 Access constraints to formal rural credit - The conceptual framework. 57
4.2.2 Measuring outreach and access: Econometric models. 61
4.2.3 Regional focus and sampling procedures. 67
4.3 Outreach of and access to formal rural lenders in Vietnam_ 69
4.3.1 Collateral use. 69
4.3.2 Effective formal credit demand. 71
4.3.3 Credit outreach. 75
4.3.4 Credit-constrained households. 78
4.4 Conclusions and policy recommendations. 84
Table of contents IX
5 Participatory product design by using Conjoint Analysis
in the rural financial market of Northern Vietnam. 87
5.1 Introduction. 87
5.2 Material and methods. 89
5.2.1 Conjoint survey. 90
5.2.2 Regional focus and sampling procedures. 94
5.2.3 Econometric analysis. 95
5.3 Results and discussion. 97
5.3.1 Institutional assessment. 97
5.3.1.1 Structure of VBARD/VBP. 98
5.3.1.2 Supply of savings products. 110
5.3.2 Potential demand. ///
5.3.2.1 Potential demand for credit. 111
5.3.2.2 Potential demand for savings. 114
5.4 Conclusions and policy recommendations. 117
6 Final conclusion. 119
Reference list. 124
Annex. 141
List of tables
Table 2-1: Increasing number of players in the banking sector. 13
Table 3-1: Income categories of households in VND. 39
Table 3-2: Wealth status and VBP loans of HH in research communes. 40
Table 3-3: Percentage of HH per village with VBP credits?. 41
Table 3-4: Nominai interest rates per month of the VBP in Ba Be district. 43
Table 4-1 : Variables for the binary logistic regression model on credit access. 64
Table 4-2: Research areas and sample composition. 68
Table 4-3: Depth of outreach of formal lender clients. 76
Table 4-4: Outreach of formal credit by poverty group. 76
Table 4-5: Parameters influencing households' access to formal credit —
Binary logit estimation. 79
Table 4-6: Classification of correctly predicted access to formal
credit-constrained households. 80
Table 5-1 : Credit attributes and their levels. 91
Table 5-2: Deposit attributes and their levels. 92
Table 5-3: Research areas and sample composition. 95
Table 5-4: Loan structure of VBARD/VBP in Ba Be district. 104
Table 5-5: Nominal interest rates per month of VBARD/VBP in Ba Be district. 105
Table 5-6: Savings products at VBARD in Ba Be district. 111
Table 5-7: Logit estimation of average utility values for saving attributes. 116
Table A-l : Descriptive statistics of the independent variables for the binary
logistic regression model on credit access. 141
Table A-2: Logit estimation of average utility values for credit attributes. 143
Tabie A-3: Logit estimation of average utility values for saving attributes. 144
List of figures
Figure 1-1: Factors of access and outreach relating to the financial system. 2
Figure 1-2: The rural financial market and the levels of analysis. 3
Figure 3-1: The nine-step procedure to obtain a loan from the VBP. 46
Figure 3-2: Formalized information flows. 49
Figure 4-1: Conceptual framework —The capital-collateral system. 59
Figure 4-2: Percentage of households using different credit sectors. 72
Figure 4-3: Access-constrained households. 72
Figure 4-4: Interest rates per month of formal and informal credits. 73
Figure 4-5: Formal and informal credit terms. 74
Figure 4-6: Loan size of formal and informal credits in VND millions. 74
Figure 4-7: Loan term of formal credits in years. 78
Figure 4-8: Loan amount of formal credits. 78
Figure 5-1 : Real credit interest rate of VBP in Ba Be district. 105
Figure 5-2: The six-step procedure to obtain an individual loan from the VBARD
in Ba Be district. 109
Figure A-l: Decision tree of the effective credit demand in the formal sector. 142
Figure A-2: Principal Component Indicators. 142 |
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| owner | DE-1029 DE-M49 DE-BY-TUM DE-12 DE-521 |
| owner_facet | DE-1029 DE-M49 DE-BY-TUM DE-12 DE-521 |
| physical | XXII, 142 S. graph. Darst. |
| psigel | ebook |
| publishDate | 2007 |
| publishDateSearch | 2007 |
| publishDateSort | 2007 |
| publisher | IAMO |
| record_format | marc |
| series | Studies on the agricultural and food sector in Central and Eastern Europe |
| series2 | Studies on the agricultural and food sector in Central and Eastern Europe |
| spelling | Dufhues, Thomas Verfasser aut Accessing rural finance the rural financial market in Northern Vietnam by Thomas Dufhues Halle (Saale) IAMO 2007 XXII, 142 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier Studies on the agricultural and food sector in Central and Eastern Europe 36 Online-Ausg. im Internet. - Zsfassung in dt. Sprache Zugl.: Hohenheim, Univ., Diss., 2006 Bank Banks and banking Vietnam, Northern Rural credit Vietnam, Northern Kreditmarkt (DE-588)4073788-3 gnd rswk-swf Ländlicher Raum (DE-588)4034026-0 gnd rswk-swf Nordvietnam (DE-588)4075485-6 gnd rswk-swf (DE-588)4113937-9 Hochschulschrift gnd-content Nordvietnam (DE-588)4075485-6 g Ländlicher Raum (DE-588)4034026-0 s Kreditmarkt (DE-588)4073788-3 s b DE-604 Studies on the agricultural and food sector in Central and Eastern Europe 36 (DE-604)BV012285896 36 http://www.iamo.de/dok/sr_vol36.pdf kostenfrei Volltext HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=016308017&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Dufhues, Thomas Accessing rural finance the rural financial market in Northern Vietnam Studies on the agricultural and food sector in Central and Eastern Europe Bank Banks and banking Vietnam, Northern Rural credit Vietnam, Northern Kreditmarkt (DE-588)4073788-3 gnd Ländlicher Raum (DE-588)4034026-0 gnd |
| subject_GND | (DE-588)4073788-3 (DE-588)4034026-0 (DE-588)4075485-6 (DE-588)4113937-9 |
| title | Accessing rural finance the rural financial market in Northern Vietnam |
| title_auth | Accessing rural finance the rural financial market in Northern Vietnam |
| title_exact_search | Accessing rural finance the rural financial market in Northern Vietnam |
| title_exact_search_txtP | Accessing rural finance the rural financial market in Northern Vietnam |
| title_full | Accessing rural finance the rural financial market in Northern Vietnam by Thomas Dufhues |
| title_fullStr | Accessing rural finance the rural financial market in Northern Vietnam by Thomas Dufhues |
| title_full_unstemmed | Accessing rural finance the rural financial market in Northern Vietnam by Thomas Dufhues |
| title_short | Accessing rural finance |
| title_sort | accessing rural finance the rural financial market in northern vietnam |
| title_sub | the rural financial market in Northern Vietnam |
| topic | Bank Banks and banking Vietnam, Northern Rural credit Vietnam, Northern Kreditmarkt (DE-588)4073788-3 gnd Ländlicher Raum (DE-588)4034026-0 gnd |
| topic_facet | Bank Banks and banking Vietnam, Northern Rural credit Vietnam, Northern Kreditmarkt Ländlicher Raum Nordvietnam Hochschulschrift |
| url | http://www.iamo.de/dok/sr_vol36.pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=016308017&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
| volume_link | (DE-604)BV012285896 |
| work_keys_str_mv | AT dufhuesthomas accessingruralfinancetheruralfinancialmarketinnorthernvietnam |