非洲金融包容性的决定因素

IF 0.7 Q4 BUSINESS, FINANCE

Review of Development Finance Pub Date : 2016-06-01 DOI:10.1016/j.rdf.2016.05.001

Alexandra Zins , Laurent Weill

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引用次数: 408

摘要

本文的目的是研究非洲金融包容性的决定因素。我们使用世界银行的全球金融指数数据库对37个非洲国家进行概率估计。我们发现，男性、更富有、受教育程度更高、年龄更大更倾向于普惠金融，受教育程度和收入的影响更大。与传统银行相比，移动银行的驱动因素是相同的。我们观察到非正规金融的决定因素不同于正规金融的决定因素。因此，我们的工作包含了设计政策以促进非洲国家普惠金融的发现。

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The determinants of financial inclusion in Africa

The objective of this paper is to examine the determinants of financial inclusion in Africa. We use the World Bank's Global Findex database on 37 African countries to perform probit estimations. We find that being a man, richer, more educated and older favor financial inclusion with a higher influence of education and income. Mobile banking is driven by the same determinants than traditional banking. We observe that the determinants of informal finance differ from those of formal finance. Our work therefore contains findings to design policies to foster financial inclusion in African countries.

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来源期刊

Review of Development Finance Economics, Econometrics and Finance-Finance

CiteScore

0.80

自引率

0.00%

发文量