印度的普惠金融:距离重要吗?

South Asia Economic Journal Pub Date : 2020-09-01 DOI:10.1177/1391561420961649

Saibal Ghosh

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引用次数: 4

摘要

该研究采用了一种新颖的印度地区调查数据，调查了距离对普惠金融的影响。使用先进的计量经济学技术，研究结果表明，与获取相比，距离主要抑制了银行账户的使用。无论以到达银行基础设施所需的时间还是物理距离来衡量距离，这些结果都是可靠的。这些结果对于大量的稳健性检查是稳健的。分析表明，在实现普惠金融目标的过程中，需要制定能够解决距离暴政的政策战略。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Financial Inclusion in India: Does Distance Matter?

Employing a novel district-level survey data for India, the study investigates the impact of distance on financial inclusion. Using advanced econometric techniques, the findings indicate that distance primarily dampens the use of bank accounts as compared with access. These results are robust irrespective of whether distance is measured in terms of the time taken to reach the banking infrastructure or physical distance. These results are robust to a wide battery of robustness checks. The analysis suggests the need for policy strategies that can address the tyranny of distance towards achieving the financial inclusion goal.

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来源期刊

South Asia Economic Journal Economics, Econometrics and Finance-Economics, Econometrics and Finance (all)

CiteScore

1.10

自引率

0.00%

发文量

期刊介绍： The South Asian nations have progressively liberalized their economies in recent years in an effort to integrate with the world economy. They have also taken steps to enhance multilateral and regional economic integration. Even though the South Asian economies have grown at an average rate of more than 5 per cent over the last few years, roughly 40 per cent of their people still live below the poverty line. Hence, the South Asian region continues to face many challenges of economic and social development. The South Asia Economic Journal (SAEJ) is designed as a forum for informed debate on these issues, which are of vital importance to the people of the region who comprise one-sixth of the world’s population. The peer-reviewed journal is devoted to economic analysis and policy options aimed at promoting cooperation among the countries comprising South Asia. It also discusses South Asia’s position on global economic issues, its relations with other regional groupings and its response to global developments. We also welcome contributions to inter-disciplinary analysis on South Asia. As a refereed journal, SAEJ carries articles by scholars, economic commentators,policy-makers and officials, from both the private and public sectors. Our aim is to create a vibrant research space to explore the multidimensional economic issues of concern to scholars working on South Asia. Among the issues debated in relation to South Asia are: - the implications of global economic trends; - the issues and challenges by WTO; - approaches to industrialization and development; - the role of regional institutions such as the SAARC; - the relationship between SAARC and other regional economic groupings such as ASEAN; - the implications of economic liberalization for trade and investment in the region; - new initiatives that can be launched to enhance economic cooperation among the South Asian countries both on a bilateral and a regional basis.