金融包容性对墨西哥经济和社会指标的影响

IF 1.3 Latin American Journal of Central Banking Pub Date : 2025-03-01 Epub Date: 2024-12-19 DOI:10.1016/j.latcb.2024.100161
Guadalupe del Carmen Briano-Turrent
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引用次数: 0

摘要

本文分析了墨西哥普惠金融与经济社会发展的关系。在此定量研究中,采用工具变量2SLS的固定效应估计方法,对2007-2020年期间由448个观测数据组成的研究样本进行了分析。实证结果表明,获得银行服务可以减少贫困、不正规和不平等现象,有利于人类发展及其组成部分,包括健康、生活水平和教育。银行的渗透减少了贫困、非正规和不平等,提高了生活水平和教育水平。银行服务使用的增加减少了贫困和非正式性,并促进了人类发展。本研究对政策制定者加强墨西哥的金融包容性和人类发展具有实际意义。
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The effect of financial inclusion on economic and social indicators in Mexico
This paper analyses the relationship between financial inclusion and the economic and social development in Mexico. For this quantitative research, a study sample composed by 448 observations during the 2007–2020 was analyzed using fixed effect estimations with instrumental variables 2SLS. Empirical results show that access to banking services reduces poverty, informality and inequality and favor the human development and its components of health, standard of living and education. The banking penetration decreases poverty, informality and inequality and enhances the standard of living and education. An increase in the usage of banking services diminishes the poverty and informality and increases the human development. This research contributes to practical implications for policy makers to enhance financial inclusion and human development in Mexico.
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