巴基斯坦金融包容性差距的决定因素以及实现可持续发展目标的影响
Amar Razzaq1, Shengze Qin2, Yewang Zhou3
1Business School, Huanggang Normal University, No. 146 Xinggang 2nd Road, Huanggang, 438000, China.
Scientific reports
|June 13, 2024
概括
巴基斯坦的金融包容性显示出显著的性别差距,拥有账户的女性较少. 更深层次的社会障碍,不仅仅是社会经济因素,阻碍了妇女的金融获取和使用.
科学领域:
- 经济学 经济学 经济学
- 社会学 社会学 社会学
- 发展研究 发展研究 研究
背景情况:
- 金融包容性对于经济赋权和性别平等至关重要.
- 在全球范围内,在获取和使用金融服务方面仍然存在严重的性别差异.
- 巴基斯坦在金融包容方面面临着显著的性别差距,这影响了经济发展.
研究的目的:
- 量化巴基斯坦在金融获取和使用方面的性别差距.
- 分析影响这些性别差异的社会经济决定因素.
- 为公平的金融包容提供性别敏感政策的信息.
主要方法:
- 利用了巴基斯坦的Global Findex 2021调查数据.
- 采用后勤回归分析来评估基于性别的影响.
- 基于森的能力方法和行为经济学框架.
主要成果:
- 只有13%的巴基斯坦女性拥有财务账户,而34%的男性.
- 在性别之间在采用数字金融方面也观察到类似的差异.
- 社会经济因素 (教育,收入,就业) 对女性的财务包容性影响较小.
结论:
- 深厚的社会障碍严重阻碍了巴基斯坦妇女的金融包容.
- 现有的社会经济因素不足以消除性别差距.
- 以性别为导向的政策对于实现性别平等的可持续发展目标至关重要.
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