SAVINGS, INSURANCE AND DEBT OVER THE POST‐APARTHEID PERIOD: A REVIEW OF RECENT RESEARCH
SAVINGS, INSURANCE AND DEBT OVER THE POST‐APARTHEID PERIOD: A REVIEW OF RECENT RESEARCH
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后种族隔离时期的储蓄、保险和债务：近期研究回顾
DOI：
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发表时间：
2005
期刊：
影响因子：
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通讯作者：
J. Levinsohn
中科院分区：
文献类型：
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作者：
Cally Ardington;D. Lam;M. Leibbrandt;J. Levinsohn
可持续减贫要求贫困家庭有效管理风险。缺乏基本的金融服务是南非减少贫穷的一个主要障碍。本文回顾了南非关于使用正式和非正式风险管理工具的文献。收入在获得一系列补充性的正规金融服务方面的中心地位，使收入较低的十分之一家庭无法获得正规金融服务。农村家庭和没有正式就业家庭成员的家庭也被拒绝进入。与非正规融资渠道的强互补性意味着，这些家庭获得非正规金融服务的机会有限。有人建议在支付养恤金和社会补助金时促进使用储蓄帐户，并增加乡村银行，作为增加穷人获得正式机会的手段。
Sustainable poverty reduction requires that poor households effectively manage risk. The absence of basic financial services is a major obstacle to poverty reduction in South Africa. This paper reviews available South African literature on utilisation of formal and informal risk management instruments. The centrality of income in accessing the complementary bundle of formal financial services excludes households in the lower deciles from formal financial services. Rural households and households without formally employed household members are also denied access. Strong complementarities with informal channels of finance mean that these same households have limited access to even informal financial services. Promoting the use of savings accounts in pension and social grant payouts and the growth of village banks have been suggested as means to increase formal access for the poor.