Job Market Paper

Reserve Accumulation, Domestic Credit Expansion, and Financial Integration: Subordinate Financialization in Small Island Developing States

Abstract: Since the early 2000s, small island developing states (SIDS) have become increasingly integrated into hierarchical global financial structures, accumulating substantial foreign exchange reserves and undergoing a transformation of domestic financial structures, yet seeing no parallel gains in employment, investment, or development outcomes. Using quarterly panel data for 27 SIDS spanning 2001:Q4–2024:Q1, this paper applies panel local projection analysis to examine the relationship between reserve accumulation and financial sector balance sheet expansion. Findings show that central bank reserve accumulation is associated with the expansion of balance sheets among key depository corporations, driven by increases in foreign financial asset holdings and domestic credit provision. This expansion, however, takes different forms across the sample. In pegged economies it is concentrated in foreign currency positions, while in floating economies domestic credit expands more and for longer. A similar division appears by tourism dependence. The paper contributes to the financial subordination literature by showing how subordinate financialization reshapes domestic financial structures in these vulnerable economies, deepening global asymmetries.