Mobile Phones in Conflicts of Financial Intermediation-手机在金融中介冲突中的作用

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英文文献：Mobile Phones in Conflicts of Financial Intermediation-手机在金融中介冲突中的作用
英文文献作者：Simplice Asongu,Vanessa Tchamyou
英文文献摘要：
To the best our knowledge, in the first empirical macroeconomic examination of the nexus between financial intermediation and mobile phones, Asongu employs two conflicting financial system definitions in the assessment of how mobile phones have stimulated financial development in Africa. Within the framework of the dominant International Monetary Fund’s International Financial Statistics (2008) definition, mobile phones are established to be negatively associated with financial intermediary dynamics of depth, activity and size. Conversely, when the previously neglected informal financial sector is integrated into the conception, definition and measurement of the financial system, mobile phones are positively (negatively) correlated with the informal (formal) financial intermediation sector. The empirical evidence is based on 52 African countries. Causality in the established linkages has been confirmed in subsequent studies by the same author. At least three policy implications derive from the findings. First, the role of informal financial intermediation is increasing to the detriment of formal financial mechanisms. Second, in order to capture the positive effect of mobile phones on finance, it is imperative to integrate the missing informal financial sector component into the IMF definition of the financial system. Third, it is a wake-up call for more scholarly research on: (i) macroeconomic financial development implications of mobile phone penetration and (ii) monetary policy instruments in the face of burgeoning ‘mobile phone’-oriented financial intermediation.

据我们所知，在对金融中介和移动电话之间关系的第一次实证宏观经济检查中，Asongu在评估移动电话如何刺激非洲金融发展时采用了两种相互冲突的金融系统定义。在主导地位的国际货币基金组织的国际金融统计(2008)定义的框架内，手机被确立为与金融中介的深度、活动和规模的动态负相关。相反，当以前被忽视的非正式金融部门被纳入金融体系的概念、定义和衡量时，手机与非正式(正式)金融中介部门正(负)相关。经验证据基于52个非洲国家。同一作者在随后的研究中证实了所建立的联系中的因果关系。研究结果至少带来了三项政策启示。第一，非正式金融中介的作用正在增加，从而损害正式金融机制。其次，为了捕捉手机对金融的积极影响，必须将缺失的非正式金融部门的组成部分纳入IMF对金融体系的定义中。第三，这为更多的学术研究敲响了警钟:(i)手机普及对宏观经济金融发展的影响，(ii)面对新兴的以“手机”为导向的金融中介的货币政策工具。

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