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首页> 外文期刊>Journal of Rural Studies >Is there a link between financial exclusion and over-indebtedness? Evidence from Czech peripheral municipalities
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Is there a link between financial exclusion and over-indebtedness? Evidence from Czech peripheral municipalities

机译：金融排除与过度债务之间有联系吗？ 来自捷克周边市的证据

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This paper investigates the determinants of the over-indebtedness of inhabitants in particular municipalities in the Czech Republic. We draw on the theory of regional segmentation of financial markets, which foresees credit rationing in peripheral regions and empirically investigate the role that attractiveness of potential banking clients may play in the level of over-indebtedness in particular regions. We assume that regions with a higher concentration of non-bankable people suffer from a low concentration of bank services as the banks are not interested in serving people who do not meet their credit requirements. The findings from testing our empirical model indicate that regions with a higher level of non-bankable people have a higher concentration of over-indebted inhabitants. Our paper thus contributes to the nascent empirical verification of the theory of regional segmentation of financial markets. In conclusion, our policy recommendation - to support a socially-oriented financial industry, which could fulfil a niche in peripheral financial markets - could help in the battle against the pandemic of over-indebtedness and repossessions with its all negative consequences.
机译：本文调查了捷克共和国特定的市政当局的过度负债累累的决定因素。我们借鉴了金融市场的区域细分理论，以便在外围地区预测信贷配给，并经验研究潜在银行客户可能在特定地区过度债务水平中发挥的吸引力的作用。我们假设具有更高集中的非存放人民的地区遭受了低集中的银行服务，因为银行对不符合其信用要求的人不感兴趣。测试我们的经验模型的调查结果表明，具有更高水平的非存放人员的地区具有更高浓度的过度负债居民。因此，我们的论文有助于新兴的金融市场分割理论的实证验证。总之，我们的政策建议 - 支持一个社会导向的金融业，可以在外围金融市场履行一个利基 - 可以帮助反对过度债务大流行和收回的战斗，并以其所有负面后果。

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