摘要
文章对近十多年来国外经济学领域有关普惠金融对经济影响的研究进行一个概要的评述。伴随着实证方法的进步和数据可得性的改善,当前经济金融领域日益关注普惠金融对经济增长和减少贫困的影响。虽然理论认为,金融服务的可得性不仅影响了整个经济中资源配置的效率,而且影响了富裕或贫困家庭个体的相对经济机会,对于社会福利水平的提升具有重要影响。但迄今为止的文献表明,小额信贷有适度积极但非决定性的影响,而且结果似乎非常取决于借贷个体的特征。正规的储蓄可以更好地帮助家庭管理自己的资金,小额保险对农民和小企业的作用也相当积极,在不同的金融服务中,支付服务似乎对个人福利的影响最大也最直接。文章还梳理了国际经济学界关于普惠金融的可能性边界、度量方法、影响因素等相关研究成果,并指出未来进一步研究的可能方向。
This paper takes stock of the literature on the impact of inclusive finance on individual and aggregate welfare.Theory has shown that inclusive finance exerts a particularly beneficial impact on the economic opportunities of the poor,but the literature so far suggests moderate but not transformative effects of microcredit,with effects being conditional on individuals’characteristics.The effects of microsavings interventions seem more promising,while microinsurance interventions suffer mostly from limited take-up.Among different financial services,expanding access to payment services seems to provide the biggest and most immediate impact on individual welfare.The paper discusses these findings in the broader context of the financial development literature and touches on the access possibilities frontier,measure,factors and regulatory challenges.Finally,this paper also discusses some directions for future research.
作者
孙硕
Sun Shuo(International College, Guangxi University, Nanning 530004, China)
出处
《天津大学学报（社会科学版）》
2020年第1期19-24,共6页
Journal of Tianjin University：Social Sciences
关键词
普惠金融
经济决策
经济表现
inclusive finance
economic decision-making
economic performance
