世界银行-不完全市场下的消费者剩余：在储蓄和小额信贷中的应用（英）-2023.6

# 消费者 # 储蓄 # 小额信贷大小：6.02M | 页数：60 | 上架时间：2023-07-11 | 语言：英文

世界银行-不完全市场下的消费者剩余：在储蓄和小额信贷中的应用（英）-2023.6.pdf

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世界银行-不完全市场下的消费者剩余：在储蓄和小额信贷中的应用（英）-2023.6.pdf

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类型: 专题

上传者: wpxc666666

撰写机构: 世界银行

出版日期: 2023-07-11

摘要：

The household welfare gains from financial inclusion are empirically elusive. This paper establishes that household welfare gains from a financial technology are equal to the area under dynamically compensated demand in a household model with incomplete financial markets, and general technology, preferences, and choice sets. This paper then estimates compensated demand for financial technologies leveraging three randomized control trials that introduce experimental variation in interest rates. Welfare gains per dollar lent or saved are small as compensated demand elasticities are large, but still correspond to large aggregate welfare gains from financial inclusion.

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