<p>A good starting point would be the "<a href="http://www.doingbusiness.org/en/data/exploretopics/getting-credit" rel="nofollow noreferrer">getting credit</a>" subindex of the Doing Business rankings compiled by the World Bank.  There is also an <a href="http://www.doingbusiness.org/en/methodology/getting-credit" rel="nofollow noreferrer">explanation of the methodology</a>.  This is supposed to be a test of the business environment, i.e. rules laid down by the government and central bank rather than about the behaviour of market participants.</p>

CC BY-SA 4.0
2019-03-13T10:35:29.583Z
2019-03-13T10:35:29.583Z
Dan
<p>I was looking to find countries with the toughest regulations on loans(general loans not any specific ones)</p>

<p>By that I mean:
 I mainly care to know where it is toughest for people to get a loan from a bank. </p>

<p>To consider is:</p>

<p>•   where requirements are highest for people to qualify for a loan</p>

<p>•   where banks do the most thorough checks in a persons financial status (like SCHUFA in Germany)</p>

<p>•   where do banks have to pass the most audits and tests to prove their business is legit</p>

<p>I was looking at IWF Data but could not really get that sort of info from there.</p>

<p>I am basically looking to invest in Banks and want to find the best country to do that based on their banking infrastructure. I want to find lenders that make SURE their clients pay by setting the bar very high (I know that doesn’t mean they won’t default anyways) </p>

CC BY-SA 4.0
2019-01-25T14:06:41.777Z
Requirements are multimetric, so neither "highest requirements" nor "most thorough checks" nor "toughest regulations" are well defined here. Also, this does not really seem to be a question about the discipline of economics.
Giskard
CC BY-SA 4.0
2019-01-25T17:02:13.600Z
Perspective. So you are saying a countries economic standing have nothing to do with how easy or hard it is to take on debt there ? I you need me to define it more or is unclear to you I will explain
FlyingFrog
<finance><banking><investment><debt>
What country has the highest requirements for loans?
FlyingFrog
# What country has the highest requirements for loans?

(Asked by: username_0 on 2019-01-25)

I was looking to find countries with the toughest regulations on loans(general loans not any specific ones)

By that I mean:
I mainly care to know where it is toughest for people to get a loan from a bank.

To consider is:

• where requirements are highest for people to qualify for a loan

• where banks do the most thorough checks in a persons financial status (like SCHUFA in Germany)

• where do banks have to pass the most audits and tests to prove their business is legit

I was looking at IWF Data but could not really get that sort of info from there.

I am basically looking to invest in Banks and want to find the best country to do that based on their banking infrastructure. I want to find lenders that make SURE their clients pay by setting the bar very high (I know that doesn’t mean they won’t default anyways)

**Tags:** finance, banking, investment, debt

> **Comments:**
> **username_1**: Requirements are multimetric, so neither "highest requirements" nor "most thorough checks" nor "toughest regulations" are well defined here. Also, this does not really seem to be a question about the discipline of economics.  
> **username_0**: Perspective. So you are saying a countries economic standing have nothing to do with how easy or hard it is to take on debt there ? I you need me to define it more or is unclear to you I will explain  

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## 1 answers

### Answer by username_2 on 2019-03-13. Score: 1

A good starting point would be the "[getting credit](http://www.doingbusiness.org/en/data/exploretopics/getting-credit)" subindex of the Doing Business rankings compiled by the World Bank. There is also an [explanation of the methodology](http://www.doingbusiness.org/en/methodology/getting-credit). This is supposed to be a test of the business environment, i.e. rules laid down by the government and central bank rather than about the behaviour of market participants.


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