The index ranges from 0-10 where 0 corresponds to low percentage of deposits held in privately owned banks'',high foreign bank license denial rate'', private sector's share of credit is close to the base-year-minimum'',deposit and lending rates is fixed by the government and real rates is persistently negative'', high impact of minimum wage'',widespread use of price controls throughout various sectors of the economy'', and starting a new business is generally complicated'' and 10 corresponds tohigh percentage of deposits held in privately owned banks'', low foreign bank license denial rate'',private sector's share of credit is close to the base-year-maximum'', interest rates is determined primarily by market forces and the real rates is positive'',low impact of minimum wage'', no price controls or marketing boards'', andstarting a new business is generally easy''. The index consists of the following indicators: Credit Market Regulations, Labor Market Regulations, Business Regulations. Panel-data adjusted.