Access to Finance: An Unfinished Agenda
Access to Finance: An Unfinished Agenda
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DOI：
10.1093/wber/lhn021
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发表时间：
2008-01-01
影响因子：
2.5
通讯作者：
Demirguc-Kunt, Asli
中科院分区：
文献类型：
--
作者：
Beck, Thorsten;Demirguc-Kunt, Asli
最近的数据汇编显示，许多发展中国家的许多穷人和非穷人面临高度的金融排斥和获得融资的高障碍。理论和经验证据表明，改善融资渠道在促进增长和减少收入不平等方面发挥着关键作用。大量文献展示了金融促进企业成长、改善总体资源配置的渠道。然而，在家庭层面以及克服金融排斥政策的有效性方面的证据较少。本文总结了最近衡量和分析融资渠道影响的努力，并讨论了未完成的研究议程。
Recent data compilations show that many poor and nonpoor people in many developing countries face a high degree of financial exclusion and high barriers in access to finance. Theory and empirical evidence point to the critical role that improved access to finance has in promoting growth and reducing income inequality. An extensive literature shows the channels through which finance promotes enterprise growth and improves aggregate resource allocation. There is less evidence at the household level, however, and on the effectiveness of policies to overcome financial exclusion. The article summarizes recent efforts to measure and analyze the impact of access to finance and discusses the unfinished research agenda.