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Contents:PART I: ACCESS TO CREDIT AND COLLATERAL IN A GLOBAL WORLD1.Turning the Key to Credit: Credit Access and Credit InstitutionsFlorencioLopez-de-Silanes2. Policy Choices for an Efficient and Inclusive FinancialSystemThorsten BeckPART II: COLLATERAL LAW TO SUPPORT ACCESS TO CREDIT: ACASE FOR REFORM3. The Economics of Collateral and of Collateral ReformHeywoodFleisig4. Firm-level Evidence on Collateral and Access to FinanceMehnaz S.Safavian5. Legal Efficiency of Secured Transactions Reform: Bridging the Gapbetween Economic Analysis and Legal ReasoningJohn Simpson and FrederiqueDahanPART III: TAKING COLLATERAL IN PRACTICE: MICROFINANCE AND MORTGAGE6. TheState of Nature and Lending in Unreformed Environment - Experience from EarlyTransition CountriesThomas Engelhardt and Benjamin Regitz7. Use of Securityin Challenging Environments - The Microfinance PerspectiveMartin Holtman8.Mortgages in Transition CountriesJohn Simpson and Frederique DahanPART IV:STORIES OF REFORM: LESSONS LEARNED AND REMAINING CHALLENGES9. The SlovakSecured Transactions ReformKatarina Mathernova10. The Romanian ElectronicArchive of Security Interests in Personal PropertyDiana Lupulescu11.Challenges in Implementation Secured Transactions Reform in LatinAmericaNuria de la Pena12. Recent Reform in France: The Renaissance of aCivilian Collateral Regime?Marie-Elodie Ancel