金融教育、普惠金融和金融稳定的相互作用以及大型科技公司的作用

IF 1.7 4区经济学 Q2 ECONOMICS

Contemporary Economic Policy Pub Date : 2022-07-07 DOI:10.1111/coep.12578

Nicole Jonker, Anneke Kosse

{"title":"金融教育、普惠金融和金融稳定的相互作用以及大型科技公司的作用","authors":"Nicole Jonker, Anneke Kosse","doi":"10.1111/coep.12578","DOIUrl":null,"url":null,"abstract":"<p>The entry of Big Techs in the financial ecosystem might affect financial stability, among others through the opportunities and challenges they create for financial inclusion. We survey the literature to determine the effectiveness of financial education in improving financial literacy and inclusion and assess the impact of financial inclusion on financial stability. We argue for new research to determine whether financial education can help people to reap the financial-inclusion benefits that Big Tech may bring. We also conclude that financial-inclusion opportunities created by Big Tech might introduce financial stability risks and underline the importance of proper supervision and regulation.</p>","PeriodicalId":47364,"journal":{"name":"Contemporary Economic Policy","volume":"40 4","pages":"612-635"},"PeriodicalIF":1.7000,"publicationDate":"2022-07-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"2","resultStr":"{\"title\":\"The interplay of financial education, financial inclusion and financial stability and the role of Big Tech\",\"authors\":\"Nicole Jonker, Anneke Kosse\",\"doi\":\"10.1111/coep.12578\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<p>The entry of Big Techs in the financial ecosystem might affect financial stability, among others through the opportunities and challenges they create for financial inclusion. We survey the literature to determine the effectiveness of financial education in improving financial literacy and inclusion and assess the impact of financial inclusion on financial stability. We argue for new research to determine whether financial education can help people to reap the financial-inclusion benefits that Big Tech may bring. We also conclude that financial-inclusion opportunities created by Big Tech might introduce financial stability risks and underline the importance of proper supervision and regulation.</p>\",\"PeriodicalId\":47364,\"journal\":{\"name\":\"Contemporary Economic Policy\",\"volume\":\"40 4\",\"pages\":\"612-635\"},\"PeriodicalIF\":1.7000,\"publicationDate\":\"2022-07-07\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"2\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Contemporary Economic Policy\",\"FirstCategoryId\":\"96\",\"ListUrlMain\":\"https://onlinelibrary.wiley.com/doi/10.1111/coep.12578\",\"RegionNum\":4,\"RegionCategory\":\"经济学\",\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q2\",\"JCRName\":\"ECONOMICS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Contemporary Economic Policy","FirstCategoryId":"96","ListUrlMain":"https://onlinelibrary.wiley.com/doi/10.1111/coep.12578","RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"ECONOMICS","Score":null,"Total":0}

引用次数: 2

摘要

大型科技公司进入金融生态系统可能会影响金融稳定，其中包括它们为普惠金融创造的机遇和挑战。我们对文献进行了调查，以确定金融教育在提高金融素养和普惠性方面的有效性，并评估金融普惠性对金融稳定的影响。我们主张进行新的研究，以确定金融教育是否可以帮助人们获得大型科技公司可能带来的金融包容性利益。我们还得出结论，大型科技公司创造的普惠金融机会可能会带来金融稳定风险，并强调了适当监管的重要性。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

查看原文本刊更多论文

The interplay of financial education, financial inclusion and financial stability and the role of Big Tech

The entry of Big Techs in the financial ecosystem might affect financial stability, among others through the opportunities and challenges they create for financial inclusion. We survey the literature to determine the effectiveness of financial education in improving financial literacy and inclusion and assess the impact of financial inclusion on financial stability. We argue for new research to determine whether financial education can help people to reap the financial-inclusion benefits that Big Tech may bring. We also conclude that financial-inclusion opportunities created by Big Tech might introduce financial stability risks and underline the importance of proper supervision and regulation.

求助全文

通过发布文献求助，成功后即可免费获取论文全文。去求助

来源期刊

Contemporary Economic Policy Multiple-

CiteScore

3.10

自引率

6.70%

发文量

期刊介绍： Contemporary Economic Policy publishes scholarly economic research and analysis on issues of vital concern to business, government, and other decision makers. Leading western scholars, including three Nobel laureates, are among CEP"s authors. The objectives are to communicate results of high quality economic analysis to policymakers, focus high quality research and analysis on current policy issues of widespread concern, increase knowledge among economists of features of the economy key to understanding the impact of policy, and to advance methods of policy analysis.