巴西的地方信贷：数字连接和教育的作用

IF 5.6 2区经济学 Q1 BUSINESS, FINANCE

Emerging Markets Review Pub Date : 2025-02-18 DOI:10.1016/j.ememar.2025.101265

Lars Norden , Thiago Ribeiro

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引用次数: 0

摘要

我们使用多元面板数据回归分析，调查了数字连接和教育对巴西小企业和个人当地信贷的影响。通过研究宽带接入和基础教育如何影响地方信贷，我们旨在了解这些因素如何有助于缓解信息不对称和交易成本。我们的研究结果表明，更高的数字连通性和更好的教育水平与城市和地区一级更高的信贷可获得性显著相关。我们为有关普惠金融的更广泛讨论做出贡献，并就如何改善新兴经济体的信贷获取提供政策建议。

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Local credit in Brazil: The role of digital connectivity and education

We investigate the effects of digital connectivity and education on local credit to small businesses and individuals in Brazil, using multivariate panel data regression analysis. By examining how broadband access and basic education influence local credit, we aim to understand how these factors help to mitigate informational asymmetries and transaction costs. Our findings indicate that both higher digital connectivity and better educational levels are significantly associated with higher credit availability at the municipality and regional levels. We contribute to the broader discussion about financial inclusion and offer policy implications on how to improve access to credit in emerging economies.

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来源期刊

Emerging Markets Review Multiple-

CiteScore

7.10

自引率

4.20%

发文量

审稿时长

100 days

期刊介绍： The intent of the editors is to consolidate Emerging Markets Review as the premier vehicle for publishing high impact empirical and theoretical studies in emerging markets finance. Preference will be given to comparative studies that take global and regional perspectives, detailed single country studies that address critical policy issues and have significant global and regional implications, and papers that address the interactions of national and international financial architecture. We especially welcome papers that take institutional as well as financial perspectives.