中低收入国家普惠金融的消费者保护:衔接监管和学术视角

IF 5 3区 经济学 Q1 BUSINESS, FINANCE Annual Review of Financial Economics Pub Date : 2021-11-01 DOI:10.1146/annurev-financial-071020-012008
Seth Garz,Xavier Giné,Dean Karlan,Rafe Mazer,Caitlin Sanford,Jonathan Zinman
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引用次数: 0

摘要

在低收入和中等收入国家,消费金融服务市场正在迅速增长,并正在被数字技术和平台所改变。随着增长和变化,人们开始关注如何保护消费者不受信息不完善和契约不完善的企业剥削,以及消费者自身的决策限制。我们试图就这些潜在的危害来源和可能导致的五个潜在问题架起监管机构和学术观点的桥梁:高价格和隐藏价格、过度负债、合同后剥削、欺诈和歧视。这些潜在的问题跨越新旧产品市场,可能同时影响微观和宏观经济。然而,在如何定义、诊断或治疗这些问题上,几乎没有达成共识。基于证据的消费者金融保护将需要在理论,特别是经验方面取得实质性进展,我们概述了未来研究的关键领域。
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Consumer Protection for Financial Inclusion in Low- and Middle-Income Countries: Bridging Regulator and Academic Perspectives
Markets for consumer financial services are growing rapidly in low- and middle-income countries and are being transformed by digital technologies and platforms. With growth and change come concerns about protecting consumers from firm exploitation due to imperfect information and contracting as well as from their own decision-making limitations. We seek to bridge regulator and academic perspectives on these underlying sources of harm and five potential problems that can result: high and hidden prices, overindebtedness, postcontract exploitation, fraud, and discrimination. These potential problems span product markets old and new and could impact micro- and macroeconomies alike. Yet there is little consensus on how to define, diagnose, or treat such problems. Evidence-based consumer financial protection will require substantial advances in theory and especially empirics, and we outline key areas for future research.
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26
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