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Beyond cows

机译:超越牛

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摘要

Adults in developing countries are half as likely to have an account at a formal financial institution as those in the rich world. Only 18% of people in the Middle East and north Africa do, compared with 89% in high-income countries. Economists would like the world's poorest to save more. That would help them to pay for big or unexpected expenses, such as school fees or medical treatment. It would also boost investment and thus accelerate economic growth. But getting people to save is hard. One reason is the economic version of myopia: the failure to give adequate weight to future benefits over immediate pleasures. Most people are myopic, but for those in grinding poverty, the self-discipline required to save is greater and the consequences of failure worse.
机译:发展中国家的成年人在正规金融机构开账户的可能性是富裕国家成年人的一半。中东和北非的人口只有18%,而高收入国家为89%。经济学家希望世界上最贫穷的人能储蓄更多。这将帮助他们支付大量或意外的费用,例如学费或医疗费用。它还将增加投资,从而加速经济增长。但是,要让人们储蓄是很困难的。原因之一是近视的经济形式:未能充分重视未来收益而不是即时享受。大多数人是近视的,但对于那些处于赤贫状态的人来说,储蓄的自律性更大,失败的后果更糟。

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  • 来源
    《The economist》 |2014年第8905期|69-69|共1页
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