在疫情期间,数字化微型金融如何促进扩大的金国家集团中弱势群体的收入平等?
Manoj Kumar M V1, Nasser Almuraqab2, Immanuel Azaad Moonesar3
1Department of Information Science and Engineering, Nitte Meenakshi Institute of Technology, Bangalore, India.
Frontiers in big data
|December 17, 2024
概括
数字化的微型金融减少了收入不平等,特别是在危机期间. 投资数字基础设施和金融包容是金国家经济稳定和增长的关键.
科学领域:
- 经济学 经济学 经济学
- 发展研究 发展研究 研究
- 金融技术 金融技术
背景情况:
- 在全球范围内,收入不平等仍然是一个持续的挑战,由金融危机和流行病加剧.
- 技术支持的替代小额贷款为促进经济平等提供了一个潜在的解决方案.
- 不同经济体的金融准入和数字技能的经济价值需要进一步研究.
研究的目的:
- 调查数字化替代小额贷款对收入平等的影响.
- 分析人力资本,数字化,治理和企业家精神在收入平等方面的作用.
- 评估宏观经济因素和危机对金国家和奥地利收入平等的影响.
主要方法:
- 利用主要组件分析来减少数据的维度和对线性管理.
- 使用普通最小平方 (OLS),动态混合模型 (GMM) 和随机森林树 (RFT) 进行建模.
- 分析了2000-2022年的全球数据,重点关注可支配收入和市场收入不平等 (SWIID基尼指数).
主要成果:
- 与OLS和GMM相比,随机森林树 (RFT) 模型显示出更高的诊断性能.
- 公共和私人基础设施投资,政府干预和GDP增长与收入不平等减少有关.
- 数字化微型金融已经成为减轻收入差距的一个重要因素.
结论:
- 数字化微型金融对于减少收入不平等至关重要,尤其是在经济衰退和全球卫生危机期间.
- 通过政府对数字基础设施的支持来加强金融包容性是一个关键的政策影响.
- 在金国家集团内部的合作努力可以加强微型金融机构,以应对破坏.
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