解决悖论:移动货币如何通过金融包容推动经济增长
Mostofa Mahmud Hasan1, Md Abu Sayem2, Bm Sajjad Hossain3
1Department of Business Administration, Khwaja Yunus Ali University, Enayetpur, Shirajgonj, Bangladesh.
Heliyon
|October 18, 2024
概括
金融包容性显著提高了经济增长 (GDP). 关键的驱动因素包括移动货币代理商的销售点,活跃账户,交易和余额,强调需要加强农村地区的金融接入.
科学领域:
- 经济学 经济学 经济学
- 金融包容性研究 金融包容性研究
- 发展经济学 发展经济学
背景情况:
- 金融包容对于经济活动和社会赋权至关重要.
- 经验证据表明,跨国金融包容与经济增长之间存在积极的相关性.
- 了解金融包容性对GDP影响的具体驱动因素对于政策制定至关重要.
研究的目的:
- 确定影响国内生产总值 (GDP) 的金融包容性关键变量.
- 选择最佳的多重线性回归模型来量化金融包容性对经济增长的贡献.
- 为加强金融包容性政策提供见解,特别是在服务不足的地区.
主要方法:
- 利用了国际货币基金组织 (IMF) 2011-2020年间的二次数据.
- 使用图形展示来可视化金融包容性指标与GDP之间的关系.
- 应用了一种逐步倒退消除技术,使用多个线性回归和模型选择标准来识别重要变量和最合适的模型.
主要成果:
- 金融包容性变量与GDP有成比例的关系.
- 影响GDP的最重要的金融包容性变量是:注册移动货币代理商的数量,活跃移动货币账户的数量,移动货币交易的数量,以及活跃移动货币账户的未偿还余额.
- 这些已识别的变量对经济增长产生了积极影响,拟合模型量化了它们的重大贡献.
结论:
- 加强金融包容性,特别是通过移动货币服务,对于农村和边境地区的经济发展至关重要.
- 该研究的结果可以指导政策制定者和发展组织设计有效的战略,以减少收入不平等,提高社区福利.
- 加强金融包容性基础设施和可访问性是促进可持续经济增长和提高生活水平的关键途径.
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