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英文文献：Technology-driven information sharing and conditional financial development in Africa-技术驱动的信息共享和非洲有条件的金融发展
英文文献作者：Simplice A. Asongu,John C. Anyanwu,Vanessa S. Tchamyou
英文文献摘要：
Information technology is increasingly facilitating mechanisms by which information asymmetry between lenders and borrowers in the financial sector can be reduced in order to enhance financial access for human and economic development in developing countries. We examine conditional financial development from ICT-driven information sharing in 53 African countries for the period 2004-2011, using contemporary and non-contemporary quantile regressions. ICT is measured with mobile phone penetration and internet penetration whereas information sharing offices are public credit registries and private credit bureaus. The following findings are established. First, there are positive effects with positive thresholds from ICT-driven information sharing on financial depth (money supply and liquid liabilities) and financial activity (at banking and financial system levels). Second, for financial intermediation efficiency, the positive effects from mobile-driven information sharing are apparent exclusively in certain levels of financial efficiency. Third, with regard to financial size, mobile-driven information sharing is positive with a negative threshold, whereas, internet-driven information sharing is positive exclusively among countries in the bottom half of financial size. Positive thresholds are defined as decreasing negative or increasing positive estimated effects from information sharing offices and vice-versa for negative thresholds. Policy implications are discussed.
信息技术正在日益促进各种机制，通过这些机制，可以减少金融部门贷款人和借贷人之间的信息不对称，以便为发展中国家的人力和经济发展提供更多的资金。我们利用当代分位数回归和非当代分位数回归分析了2004-2011年53个非洲国家信息通信技术驱动的信息共享的有条件金融发展。信通技术是用移动电话普及率和互联网普及率来衡量的，而信息共享办公室是公共信用登记处和私人信用机构。下面的发现是确定的。首先，信息通信技术驱动的信息共享对金融深度(货币供应和流动负债)和金融活动(银行和金融系统层面)产生了积极影响，具有积极的门槛。其次，对于金融中介效率而言，移动驱动的信息共享的积极效应只在特定的金融效率水平上表现出来。第三，在金融规模方面，移动驱动的信息共享为正，阈值为负，而互联网驱动的信息共享仅在金融规模处于下半部分的国家中为正。正阈值定义为减少或增加来自信息共享办公室的负面估计效果，反之亦然。讨论了政策含义。
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