COVID-19大流行期间中欧和东欧金融包容性的社会经济决定因素

Q3 Arts and Humanities
Krzysztof Waliszewski
{"title":"COVID-19大流行期间中欧和东欧金融包容性的社会经济决定因素","authors":"Krzysztof Waliszewski","doi":"10.31648/pw.9019","DOIUrl":null,"url":null,"abstract":"A society’s financial inclusion – understood as possessing and actively using a bank or non-bank account – is one of many indicators of sustainable growth and economic development. The COVID-19 pandemic has accelerated the process of financial integration through the use of modern technologies in finance, financial innovation and the need to have an account to receive aid from government crisis shields or to confirm official activities through a trusted profile in a bank. Furthermore, EU regulations have accelerated the process of financial integration through the institution of a basic bank account and open banking solutions. Financial education programs and activities of financial institutions under the Corporate Social Responsibility (CSR)/Environment Social Governance (ESG) strategy have also contributed to improving financial literacy, which directly reduces financial self-exclusion. The aim of the article is to check whether financial inclusion has increased during the pandemic and to identify socio-demographic determinants of this inclusion such as sex, age, in or out labor force, education, and wealth level in selected CEE countries. The article uses statistical data from The Global Findex research conducted since 2011 and by the World Bank, covering the period 2011-2021. The empirical study confirmed that during the COVID-19 pandemic, the largest increases in the percentage of people aged 15+ with a bank account were recorded, and the studied Central and Eastern European countries differed in this respect. Selectedsocio-demographic variables differentiated the level of financial integration in the analysed countries. The level of financial inclusion in selected European countries increased in the considered period, especially in countries with the initially lowest level of financial inclusion (Ukraine, Bulgaria). Financial inclusion was positively influenced by professional activity, at least secondary education, age of 25 and above, and high income. The greatest degree of financial inclusion was differentiated by education, and then by professional activity. However, sex was not shown to differentiate the level of financial inclusion.","PeriodicalId":38116,"journal":{"name":"Przeglad Wschodnioeuropejski","volume":"1 1","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2023-06-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Socio-economic determinants of financial inclusion in Central and Eastern Europe during the COVID-19 pandemic\",\"authors\":\"Krzysztof Waliszewski\",\"doi\":\"10.31648/pw.9019\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"A society’s financial inclusion – understood as possessing and actively using a bank or non-bank account – is one of many indicators of sustainable growth and economic development. The COVID-19 pandemic has accelerated the process of financial integration through the use of modern technologies in finance, financial innovation and the need to have an account to receive aid from government crisis shields or to confirm official activities through a trusted profile in a bank. Furthermore, EU regulations have accelerated the process of financial integration through the institution of a basic bank account and open banking solutions. Financial education programs and activities of financial institutions under the Corporate Social Responsibility (CSR)/Environment Social Governance (ESG) strategy have also contributed to improving financial literacy, which directly reduces financial self-exclusion. The aim of the article is to check whether financial inclusion has increased during the pandemic and to identify socio-demographic determinants of this inclusion such as sex, age, in or out labor force, education, and wealth level in selected CEE countries. The article uses statistical data from The Global Findex research conducted since 2011 and by the World Bank, covering the period 2011-2021. The empirical study confirmed that during the COVID-19 pandemic, the largest increases in the percentage of people aged 15+ with a bank account were recorded, and the studied Central and Eastern European countries differed in this respect. Selectedsocio-demographic variables differentiated the level of financial integration in the analysed countries. The level of financial inclusion in selected European countries increased in the considered period, especially in countries with the initially lowest level of financial inclusion (Ukraine, Bulgaria). Financial inclusion was positively influenced by professional activity, at least secondary education, age of 25 and above, and high income. The greatest degree of financial inclusion was differentiated by education, and then by professional activity. However, sex was not shown to differentiate the level of financial inclusion.\",\"PeriodicalId\":38116,\"journal\":{\"name\":\"Przeglad Wschodnioeuropejski\",\"volume\":\"1 1\",\"pages\":\"\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2023-06-26\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Przeglad Wschodnioeuropejski\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.31648/pw.9019\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"Arts and Humanities\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Przeglad Wschodnioeuropejski","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.31648/pw.9019","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"Arts and Humanities","Score":null,"Total":0}
引用次数: 0

摘要

一个社会的金融包容性——被理解为拥有并积极使用银行或非银行账户——是可持续增长和经济发展的众多指标之一。2019冠状病毒病大流行通过在金融领域使用现代技术、金融创新以及需要拥有账户以接受政府危机保护的援助或通过可信赖的银行档案确认官方活动,加速了金融一体化进程。此外,欧盟法规通过设立基本银行账户和开放银行解决方案,加速了金融一体化进程。金融机构在企业社会责任(CSR)/环境社会治理(ESG)战略下的金融教育项目和活动也有助于提高金融素养,这直接减少了金融自我排斥。本文的目的是检查在大流行期间金融包容性是否有所增加,并确定这种包容性的社会人口决定因素,如性别、年龄、劳动力、教育程度和选定的中东欧国家的财富水平。本文使用的统计数据来自世界银行自2011年以来开展的全球金融包容性指数研究,涵盖2011-2021年。实证研究证实,在2019冠状病毒病大流行期间,15岁以上人口拥有银行账户的比例增幅最大,所研究的中欧和东欧国家在这方面存在差异。选定的社会人口变量区分了所分析国家的金融一体化水平。所选欧洲国家的普惠金融水平在研究期间有所提高,特别是在最初普惠金融水平最低的国家(乌克兰、保加利亚)。金融包容性受到专业活动、至少中等教育程度、25岁及以上以及高收入的积极影响。最大程度的金融普惠是由教育区分的,然后是专业活动。然而,性别并不能区分金融包容性的水平。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Socio-economic determinants of financial inclusion in Central and Eastern Europe during the COVID-19 pandemic
A society’s financial inclusion – understood as possessing and actively using a bank or non-bank account – is one of many indicators of sustainable growth and economic development. The COVID-19 pandemic has accelerated the process of financial integration through the use of modern technologies in finance, financial innovation and the need to have an account to receive aid from government crisis shields or to confirm official activities through a trusted profile in a bank. Furthermore, EU regulations have accelerated the process of financial integration through the institution of a basic bank account and open banking solutions. Financial education programs and activities of financial institutions under the Corporate Social Responsibility (CSR)/Environment Social Governance (ESG) strategy have also contributed to improving financial literacy, which directly reduces financial self-exclusion. The aim of the article is to check whether financial inclusion has increased during the pandemic and to identify socio-demographic determinants of this inclusion such as sex, age, in or out labor force, education, and wealth level in selected CEE countries. The article uses statistical data from The Global Findex research conducted since 2011 and by the World Bank, covering the period 2011-2021. The empirical study confirmed that during the COVID-19 pandemic, the largest increases in the percentage of people aged 15+ with a bank account were recorded, and the studied Central and Eastern European countries differed in this respect. Selectedsocio-demographic variables differentiated the level of financial integration in the analysed countries. The level of financial inclusion in selected European countries increased in the considered period, especially in countries with the initially lowest level of financial inclusion (Ukraine, Bulgaria). Financial inclusion was positively influenced by professional activity, at least secondary education, age of 25 and above, and high income. The greatest degree of financial inclusion was differentiated by education, and then by professional activity. However, sex was not shown to differentiate the level of financial inclusion.
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
Przeglad Wschodnioeuropejski
Przeglad Wschodnioeuropejski Arts and Humanities-Arts and Humanities (all)
CiteScore
0.20
自引率
0.00%
发文量
25
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
确定
请完成安全验证×
copy
已复制链接
快去分享给好友吧!
我知道了
右上角分享
点击右上角分享
0
联系我们:info@booksci.cn Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术官方微信