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Erschienen in:

2016 | OriginalPaper | Buchkapitel

2. Determinants of Financial Inclusion in Asia

verfasst von : Zuzana Fungáčová, Laurent Weill

Erschienen in: Financial Inclusion in Asia

Verlag: Palgrave Macmillan UK

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Abstract

Financial inclusion, defined as the use of formal financial services, is one of the major determinants of economic development. Being financially included allows individuals to relax constraints associated with investment in education and with launching a business. Financial inclusion thus fosters growth and reduces poverty (Beck et al. 2007; Bruhn and Love 2014). It permits individuals to save money and thus reduces uncertainty of income, but it also contributes to financial stability, as more frequent use of bank deposits creates a more stable deposit base for banks in troubled times (Han and Melecky 2013).

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Vorheriges Kapitel Measuring Financial Inclusion for Asian Economies

Nächstes Kapitel Does Financial Inclusion Reduce Poverty and Income Inequality in Developing Asia?

Dabla-Norris et al. (2015) show that the reduction of constraints to financial inclusion can influence growth and inequality depending on country-specific characteristics in an empirical investigation of three low-income countries and three emerging market countries.

The Global Findex database is freely available on the World Bank website: http://datatopics.worldbank.org/financialinclusion/.

Allen, F., Demirgüc-Kunt, A., Klapper, L., & Peria, M. (2012). The foundations of financial inclusion: Understanding ownership and use of formal accounts (World Bank Policy Research Paper No. 6290). Washington, DC: World Bank.

Beck, T., Demirgüc-Kunt, A., & Levine, R. (2007). Finance, inequality and the poor. Journal of Economic Growth, 12, 27–49.CrossRef

Bruhn, M., & Love, I. (2014). The real impact of improved access to finance: Evidence from Mexico. Journal of Finance, 69(3), 1347–1376.CrossRef

Cihak, M., Demirgüc-Kunt, A., Feyen, E., & Levine, R. (2012). Benchmarking financial systems around the world (World Bank Policy Research Paper No. 6175). Washington, DC: World Bank.

Dabla-Norris, E., Ji, Y., Townsend, R., & Filiz Unsal, D. (2015). Identifying constraints to financial inclusion and their impact on GDP and inequality: A structural framework for policy (IMF Working Paper No. 15/22). IMF. Washington, DC

Demirgüc-Kunt, A., & Klapper, L. (2012). Measuring financial inclusion: The Global Findex database (World Bank Policy Research Working Paper No. 6025). Washington, DC: World Bank.

Demirgüc-Kunt, A., & Klapper, L. (2013). Measuring financial inclusion: Explaining variation in use of financial services across and within countries. Brookings Papers on Economic Activity, Spring 2013, 279–340.CrossRef

Fungacova, Z., & Weill, L. (2015). Understanding financial inclusion in China. China Economic Review, 34, 196–206.CrossRef

Geng, N., & N’Diaye, P. (2012). Financial development, corporate investment and savings in China (IMF Working Paper No. 12/80). IMF.

Hale, G., & Long, C. (2010). What are the sources of financing for Chinese firms. In Y. Cheung, V. Kakkar, & G. Ma (Eds.), The evolving role of Asia in global finance (pp. 313–340). UK: Emerald. Bingley, West Yorkshire, 2011.

Han, R., & Melecky, M. (2013). Financial inclusion for financial stability: Access to bank deposits and the growth of deposits in the global financial crisis (World Bank Policy Research Working Paper No. 6577). Washington, DC: World Bank.

Herrala, R., & Jia, Y. (2015). Has the Chinese growth model changed? A view from the credit market. Asian Economic Papers, 14(2), 163–175.

Horioko, C., & Terada-Hagiwara, A. (2011). The determinants and long-term projections of saving rates in developing Asia (NBER Working Paper No. 17581). NBER. Cambridge, USA.

Masson, P., Bayoumi, T., & Samiei, H. (1998). International evidence on the determinants of private saving. World Bank Economic Review, 12(3), 483–501.CrossRef

Mehrotra, A., & Yetman, J. (2014). Financial inclusion and optimal monetary policy (BIS Working Paper No. 476). BIS, Basle.

Yang, D. (2012). Aggregate savings and external imbalances in China. Journal of Economic Perspectives, 26(4), 125–146.CrossRef

Titel: Determinants of Financial Inclusion in Asia
verfasst von: Zuzana Fungáčová
Laurent Weill
Verlag: Palgrave Macmillan UK
Buch: Financial Inclusion in Asia
Print ISBN: 978-1-137-58336-9

Electronic ISBN: 978-1-137-58337-6

Copyright-Jahr: 2016
DOI: https://doi.org/10.1057/978-1-137-58337-6_2