SỐ 187 | THÁNG 10/2021
Tác động của giáo dục tài chính đến tài chính toàn diện
Trần Thị Thanh Hương
Tóm tắt:
Giáo dục tài chính (GDTC) cung cấp những kiến thức cần thiết về các sản phẩm và dịch vụ tài chính chính thức cho người dân, tạo niềm tin để người dân chủ động tiếp cận các sản phẩm và dịch vụ sẵn có trên thị trường tài chính chính thức và hạn chế sự mở rộng của thị trường tài chính phi chính thức; từ đó trực tiếp thúc đẩy tài chính toàn diện (TCTD) ở mỗi quốc gia. Để đánh giá tác động của GDTC đến TCTD, nghiên cứu này sử dụng các phương pháp phân tích thành phần chính, kiểm định giá trị trung bình của hai mẫu độc lập và hồi quy đa nhân tố với bộ dữ liệu chéo thu thập được từ 77 quốc gia trên thế giới. Kết quả nghiên cứu cho thấy, GDTC có tác động tích cực đến TCTD. Nghiên cứu cung cấp thêm bằng chứng cho thấy tầm quan trọng của GDTC đến TCTD. Nghiên cứu đưa một số khuyến nghị nhằm thúc đẩy GDTC từ đó góp phần phát triển TCTD.
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The Impact of Financial Education on Financial Inclusion
Abstract:
Financial education provides necessary knowledge about official financial products and services, creates confidence in actively access to products and services available on the official market, and limits the expansion of informal financial markets, thereby directly promoting financial inclusion in each country. To assess the impact of financial education on financial inclusion, this study uses the two independent samples t-test, principal component analysis, and multi-regression methods with dataset of 77 countries. The results demonstrate that financial inclusion plays an important role in financial inclusion. The study provides a number of recommendations to the government to promote financial education and financial inclusion.