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英文文献：How has Mobile Banking Stimulated Financial Development in Africa?-移动银行如何刺激了非洲的金融发展?
英文文献作者：Asongu Simplice
英文文献摘要：
In the first empirical assessment of the incidence of mobile banking on financial intermediary development in Africa, we use two definitions of the financial system: the traditional IFS (2008) and Asongu (2011) measures of financial sector importance. When the conception of a financial system is based only on banks and other financial institution (IFS, 2008), mobile banking has a negative incidence on traditional financial intermediary dynamics of depth, activity and size. However, when a previously missing informal-financial sector component is integrated into the definition (Asongu, 2011), mobile-banking has a positive incidence on informal financial intermediary development. Three major implications result from the findings. (1) There is a growing role of informal finance in developing countries. (2) The incidence of the burgeoning phenomenon of mobile-banking cannot be effectively assessed at a macroeconomic level by traditional financial development indicators. (3) It is a wake-up call for scholarly research on informal financial intermediary development indicators which will oriented monetary policy; since a great chunk of the monetary base(M0) in less developed countries is now captured by mobile-banking.
在第一次对非洲移动银行对金融中介发展影响的实证评估中，我们使用了金融体系的两种定义:传统的IFS(2008)和Asongu(2011)衡量金融部门重要性的指标。当金融体系的概念仅以银行和其他金融机构为基础时(IFS, 2008)，移动银行对传统金融中介机构在深度、活动和规模上的动态产生了负面影响。然而，如果将之前缺失的非正式金融部门的组成部分整合到定义中(Asongu, 2011)，移动银行对非正式金融中介的发展具有积极作用。研究结果产生了三个主要影响。(1)非正规金融在发展中国家的作用越来越大。(2)传统金融发展指标无法从宏观经济层面有效评估移动银行这一新兴现象的发生率。(3)为非正式金融中介发展指标的学术研究敲响了警钟，对货币政策具有指导意义;由于欠发达国家的一大部分货币基础(M0)现在都被移动银行占据了。
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