小额信贷计划对家庭财务投资组合的影响:越南农村地区的证据
Thi Hai Au Nguyen1,2, Quoc Trung Trinh3, Thi Loan Nguyen4
1University of Labour and Social Affairs - Ho Chi Minh City Campus, Viet Nam.
Heliyon
|November 19, 2024
概括
越南的小额信贷计划通过增加贷款,储蓄和投资,大大提高了家庭的财务状况. 这项研究强调了小额信贷.
科学领域:
- 经济学 经济学 经济学
- 发展研究 发展研究 研究
- 金融包容 金融包容 金融包容
背景情况:
- 微信贷被认为可以改善个人福祉.
- 它对家庭整体财务状况的影响不太清楚.
- 这项研究的重点是越南的背景.
研究的目的:
- 调查小额信贷计划对越南家庭金融投资组合的影响.
- 量化对贷款,储蓄和投资行为的影响.
- 提供基于证据的政策建议.
主要方法:
- 利用越南两个省份1157个家庭的平衡面板数据集 (2016年,2017年,2022年).
- 采用多变量托比特和仪器变量回归方法进行分析.
- 通过在不同的计量经济学模型和样本中获得一致的结果,确保了稳健性.
主要成果:
- 参与小额信贷积极影响家庭贷款活动.
- 获得小额信贷与家庭储蓄增加有关.
- 通过小额信贷,家庭的投资得到了显著增强.
结论:
- 小额信贷有效地改善了越南家庭的财务投资组合.
- 调查结果支持小额信贷在金融发展中的作用.
- 政策影响建议扩大小额信贷的可访问性,以提高金融包容性.
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