金融包容性
包裹体(矿物)
托换
金融中介
中介的
业务
金融服务
公共经济学
经济
金融监管
财务
金融体系
会计
心理学
社会心理学
土木工程
工程类
作者
Franklin Allen,Aslı Demirgüç-Kunt,Leora Klapper,María Soledad Martínez Pería
标识
DOI:10.1016/j.jfi.2015.12.003
摘要
Financial inclusion—defined as the use of formal accounts—can bring many benefits to individuals. Yet, we know very little about the factors underpinning it. This paper explores the individual and country characteristics associated with financial inclusion and the policies that are effective among those most likely to be excluded: poor, rural, female or young individuals. Overall, we find that greater financial inclusion is associated with lower account costs, greater proximity to financial intermediaries, stronger legal rights, and more politically stable environments. However, the effectiveness of policies to promote inclusion varies depending on the characteristics of the individuals considered.
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