获得金融服务:以南非“Mzansi”账户为例

IF 0.7 Q4 BUSINESS, FINANCE
Philip Kostov, Thankom Arun , Samuel Annim
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引用次数: 51

摘要

发展中国家实行财政服务配给制是实现可持续增长的一个主要障碍。近年来,各国协同努力提高普惠金融水平,即减少限制融资渠道的供给侧限制。本文旨在通过分析南非的入门级Mzansi账户,了解家庭在获取金融服务方面的潜在行为决策。获得金融服务的意愿不是与生俱来的,而是由感知和态度决定的。Mzansi的干预措施吸引了那些基本但缺乏金融教育的个人。愿望似乎在揭示金融服务的选择方面非常有影响力,为此,Mzansi被认为是一个预先进入的账户,不能满足个人的愿望,他们的目标是攀登金融服务的阶梯。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Access to financial services: The case of the ‘Mzansi’ account in South Africa

The presence of rationing of financial services in the developing countries is a major obstacle to achieving sustainable growth. In recent years there have been co-ordinated efforts to increase the level of financial inclusion, i.e. to reduce the supply-side constraints restricting access to finance. This paper aims to understand household's latent behaviour decision making in accessing financial services, by analysing an entry level Mzansi account in South Africa. The willingness to access financial services is not taken as given, but it is instead defined by perceptions and attitudes. The Mzansi intervention is appealing to individuals with basic but insufficient financial education. Aspirations seem to be very influential in revealing the choice of financial services and to this end, Mzansi is perceived as a pre-entry account not meeting the aspirations of individuals aiming to climb up the financial services ladder.

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来源期刊
Review of Development Finance
Review of Development Finance Economics, Econometrics and Finance-Finance
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