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Linking the Formal and Informal EconomyConcepts and Policies$
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Basudeb Guha-Khasnobis, Ravi Kanbur, and Elinor Ostrom

Print publication date: 2006

Print ISBN-13: 9780199204762

Published to Oxford Scholarship Online: September 2006

DOI: 10.1093/0199204764.001.0001

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Financial liberalization in Vietnam: impact on loans from informal, formal, and semi-formal providers

Financial liberalization in Vietnam: impact on loans from informal, formal, and semi-formal providers

Chapter:
(p.145) 8 Financial liberalization in Vietnam: impact on loans from informal, formal, and semi-formal providers
Source:
Linking the Formal and Informal Economy
Author(s):

Robert Lensink

Mark McGillivray

Pham Thi Thu Trà

Publisher:
Oxford University Press
DOI:10.1093/0199204764.003.0008

Since 1986, Vietnam has gone through a process of economic reforms — a so-called ‘doimoi’, which included the liberalization of the financial sector. The most profound financial sector reform came in 1995, when commercial banks were allowed to freely set deposit rates to enhance competition in raising funds. This paper commences with an overview of the Vietnamese financial sector and a survey of the main reforms to this sector implemented since the late 1980s. A descriptive analysis is then provided, which compares some key characteristics of pre- and post-financial reform borrowing and savings activities using the Vietnam Living Standard Surveys of 1992/93 and 1997/98. The paper then provides an econometric analysis of the determinants of loans from different types of lenders, examining the extent to which this was affected by the financial reforms.

Keywords:   Vietnam, liberalization, financial sector, loans, borrowing, saving

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