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首页> 外文期刊>The North American journal of economics and finance >Accessibility of financial services and household consumption in China: Evidence from micro data
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Accessibility of financial services and household consumption in China: Evidence from micro data

机译：中国金融服务和家庭消费的可及性：来自微数据的证据

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摘要

Access to finance has embraced by policymakers as an important tool for promoting inclusive development and achieving long-run financial security, while most studies provide macro-perspective evidence. Fewer yet, have taken into the additional role that digital finance may be playing. In this paper, we combine access to formal finance and digital finance into one framework. Based on the 2015 China Household Finance Survey data, we measure access to financial services from a microscopic perspective and construct a digital finance indicator. We then present evidence that both access to formal finance and digital finance significantly promote households' consumption, and these effects are much larger for rural households and poorer households in China. Our finding also lend support to the conjecture that digital finance is more beneficial for inclusive development.
机译：政策制定者获得金融的访问是促进包容性发展和实现长期财务安全的重要工具，而大多数研究则提供宏观透视证据。然而，较少，已经进入数字金融可能正在播放的额外作用。在本文中，我们将对正式金融和数字金融的获取合并为一个框架。基于2015年中国家庭财务调查数据，我们衡量从微观视角到金融服务的访问，并建造数字金融指标。然后，我们提出了对正式金融和数字金融的获取显着促进家庭的消费，而中国农村家庭和贫穷家庭的效果大幅较大。我们的发现还向猜想提供了支持，即数字金融对包容性发展更有利。

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  • 来源
    《The North American journal of economics and finance》 |2020年第7期|101213.1-101213.12|共12页
  • 作者

    Song Quanyun; Li Jie; Wu Yu; Yin Zhichao;

  • 作者单位

    Southwestern Univ Finance & Econ Sch Finance 555 Liutai Blvd Chengdu 611130 Peoples R China;

    Southwestern Univ Finance & Econ Res Inst Econ & Management 555 Liutai Blvd Chengdu 611130 Peoples R China;

    Southwestern Univ Finance & Econ Survey & Res Ctr China Household Finance 55 Guanghuacun St Chengdu 610074 Peoples R China;

    Capital Univ Econ & Finance Sch Finance Beijing Peoples R China;

  • 收录信息
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

    Access to finance; Digital finance; Household consumption;

    机译：获得金融;数字金融;家庭消费;

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