مشخصات مقاله:
عنوان فارسی مقاله:
مقررات مالی و گنجایش مالی در جنوب صحرای آفریقا: آیا ثبات مالی نقش تعدیل کننده ای دارد؟
عنوان انگلیسی مقاله:
Financial regulation and financial inclusion in Sub-Saharan Africa: Does financial stability play a moderating role?
کلمات کلیدی مقاله:
مقررات مالی، شمول مالی، ثبات اقتصادی
کلمات کلیدی انگلیسی:
Financial regulation – Financial inclusion – Financial stability
مناسب برای رشته های دانشگاهی زیر:
حسابداری
مناسب برای گرایش های دانشگاهی زیر:
حسابداری مالی
وضعیت مقاله انگلیسی و ترجمه:
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فهرست مطالب:
Abstract
Graphical abstract
Keywords
1. Introduction
2. Literature review
3. Methodology
3.1. Empirical models
3.2. Data source and description of variables
3.3. Principal component analysis (PCA)
4. Empirical results and discussion
4.1. Descriptive statistics
4.2. Panel unit root test results
4.3. Regression results
4.4. Conclusions and policy implications
Acknowledgements
Appendix A
References
قسمتی از مقاله انگلیسی:
1. Introduction
Despite the role financial regulations play in preventing distortions to competition, maintaining market integrity, mitigating negative externalities and reducing information asymmetry, they may also present unpleasant repercussions by inadvertently hampering the efficient intermediation process of financial institutions and impede their ability to provide financial services (see Kodongo, 2018). For example, capital adequacy regulations may compel some banks that are not financially sound to close or merge with other banks and this may cause barriers to entry into the banking sector, thereby impeding competition and decreasing the availability of funds to commercial banks for lending and this will impede financial inclusion. Low credit volumes precipitated by financial regulatory constraints may compel lenders to pursue profit by providing credit to only successful credit applicants at high interest rates which serves as a further impediment to accessing credit and hence lead to low financial inclusion (Kodongo, 2018). It is for this reason that financial regulatory agencies should promulgate and implement regulatory policies that can help countries attain the main goal of ensuring soundness, safety and financial sector stability while at the same time boosting financial inclusion. There has been a number of regulatory requirements of financial institutions in Sub-Saharan Africa ranging from Basel I capital adequacy requirement to Basel III, just to mention a few. Whether the impressive compliance with regulation of financial institutions in Sub Saharan Africa has resulted in greater financial inclusion is an open empirical question that requires answers. The researcher posits that growth in banking services through regulatory agencies is only profitable if it helps in achieving an economy’s financial inclusion goals.