Access to financial services : measurement, impact, and policies

IF 8.7 1区经济学 Q1 DEVELOPMENT STUDIES

World Bank Research Observer Pub Date : 2009-02-01 DOI:10.1093/WBRO/LKN008

T. Beck, A. Demirguc-Kunt, P. Honohan

引用次数: 329

Abstract

In many developing countries less than half the population has access to formal financial services, and in most of Africa less than one in five households has access. Lack of access to finance is often the critical mechanism for generating persistent income inequality, as well as slower economic growth. Hence expanding access remains an important challenge across the world, leaving much for governments to do. However, not all government actions are equally effective and some policies can even be counterproductive. This paper sets out principles for effective government policy on broadening access, drawing on the available evidence and illustrating with examples. The paper concludes with directions for future research.

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获得金融服务:衡量、影响和政策

在许多发展中国家，只有不到一半的人口能够获得正规的金融服务，在大多数非洲国家，只有不到五分之一的家庭能够获得金融服务。缺乏融资渠道往往是造成持续收入不平等和经济增长放缓的关键机制。因此，在全球范围内扩大接入仍然是一项重要挑战，政府还有很多工作要做。然而，并非所有的政府行动都同样有效，有些政策甚至可能适得其反。本文根据现有证据并举例说明，阐述了有效的政府扩大准入政策的原则。最后提出了今后的研究方向。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

World Bank Research Observer Multiple-

CiteScore

12.60

自引率

1.20%

发文量

期刊介绍： The World Bank Journals, including the Research Observer, boast the largest circulation among economics titles. The Research Observer is distributed freely to over 9,100 subscribers in non-OECD countries. Geared towards informing nonspecialist readers about research within and outside the Bank, it covers areas of economics relevant for development policy. Intended for policymakers, project officers, journalists, and educators, its surveys and overviews require only minimal background in economic analysis. Articles are not sent to referees but are assessed and approved by the Editorial Board, including distinguished economists from outside the Bank. The Observer has around 1,500 subscribers in OECD countries and nearly 10,000 subscribers in developing countries.