Finance and Inclusive Human Development: Evidence from Africa-金融和包容性人类发展:来自非洲的证据

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英文文献：Finance and Inclusive Human Development: Evidence from Africa-金融和包容性人类发展:来自非洲的证据
英文文献作者：Simplice Asongu,Jacinta C. Nwachukwu
英文文献摘要：
This study investigates direct and indirect linkages between financial development and inclusive human development in data panels for African countries using a battery of estimation techniques, notably: Two-Stage Least Squares, Fixed Effects, Generalized Method of Moments and Tobit regressions. The dependent variable is the inequality adjusted human development index. All dimensions of the Financial Development and Structure Database (FDSD) of the World Bank are considered. The main finding is that financial dynamics of depth, activity and size improve inclusive human development, whereas the inability of banks to transform mobilized deposits into credit for financial access negatively affects inclusive human development. Policy implications are discussed in the light of fighting surplus liquidity and providing information sharing offices (like public credit registries and private credit bureaus) that would reduce information asymmetry between lenders and borrowers.

本研究使用一系列估计技术，特别是两阶段最小二乘、固定效应、广义矩法和Tobit回归，在非洲国家的数据面板中调查了金融发展和包容性人类发展之间的直接和间接联系。因变量为不平等调整后的人类发展指数。考虑了世界银行金融发展和结构数据库(FDSD)的各个方面。主要发现是，金融的深度、活动和规模动态改善了包容性的人类发展，而银行无法将调动起来的存款转化为用于融资的信贷，则对包容性的人类发展产生负面影响。本文讨论了应对过剩流动性和提供信息共享办公室(如公共信用登记处和私人信用机构)以减少贷款者和借款人之间的信息不对称的政策含义。

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