英文文献:Implications of Alternative Banking Systems-替代银行体系的含义
英文文献作者:Cagri S. Kumru,Saran Sarntisart
英文文献摘要:
A signicant number of individuals are unwilling to deposit their savings into the banking sector since it does not operate according to their religious beliefs. In this paper we provide a model that aims to answer the following questions: First, under what conditions an alternative banking system would arise? Second, what are the growth, and welfare implications of these banking systems? Our model shows that an alternative banking system would arise if individuals have religious concerns. Moreover, we show that in an economy populated with a certain number of religiously concerned individuals, the existence of an alternative baking system can generate relatively higher growth and improve welfare.
相当多的人不愿意把他们的存款存入银行部门,因为它不按照他们的宗教信仰运作。在本文中,我们提供了一个旨在回答以下问题的模型:首先,在什么条件下会出现一个替代银行系统?其次,这些银行体系的增长和福利影响是什么?我们的模型表明,如果个人有宗教方面的顾虑,就会出现另一种银行体系。此外,我们还表明,在一个有一定数量的宗教信徒的经济体中,替代烘焙系统的存在可以产生相对较高的增长,并改善福利。


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