金融宽度和金融深度的影响因素:一个跨国分析

What Affects Financial Breadth and Financial Depth? A Cross-Country Analysis

最近几年,在金融发展研究领域,经济学家将对金融深度的研究转向了金融宽度,也就是金融服务的可得性。我们采用了一个衡量金融宽度的新指标,收集了一个包含了84个国家和地区的截面数据集,更全面地比较分析影响金融宽度和金融深度的各种因素。结果发现影响金融宽度和金融深度的因素不完全相同。债权人权利指数对金融宽度和金融深度的影响都是正向的,国民总收入和收入差距对金融宽度的影响是正向的,对金融深度没有影响。人均国民收入对金融深度的影响为正,通货膨胀对金融深度的影响为负,它们对金融宽度没有影响。这些结论可以为我国的金融改革与发展提供一定的借鉴。

Economists in the field of financial development have turned their research interests from financial depth to financ, ial breadth, namely access to finance recently. We collect a cross-section data set including 84 countries and regions to analyze and compare what affects them. We find that the factors that affect financial breadth and financial depth are not the same. The creditor rights index is associated with better financial breadth and financial depth. While GNI per capita are associated with better financial depth, inflation associated with worse one, GNI and income disparity are associated with better financial breadth.