论文标题
需求方的模式在印度的金融包容性 - 使用IHDS小组数据的查询
Patterns in demand side financial inclusion in India -- An inquiry using IHDS Panel Data
论文作者
论文摘要
在接下来的研究中，我们从需求方面的角度询问金融包容性。利用IHDS Round-1（2004-05）和第2轮（2011-12），从广泛的需求方面获得了国家一级的融资，我们冒险分析州一级的模式，然后在地区一级分析。尤其是在地区一级，我们专注于农村地区的农业家庭，以确定需求侧向对该国某些地区的非农业家庭的财务通道是否发生变化。为了做到这一点，我们使用印度储备银行（RBI）提供的2004年和2011年的区域级别的“计划商业银行的基本统计回报”，首先构建了供应方面的金融包容性指数，然后推断出使用逻辑回归框架，从农业家庭中获得相对转移的正式财务转移。
In the following study, we inquire into the financial inclusion from a demand side perspective. Utilizing IHDS round-1 (2004-05) and round-2 (2011-12), starting from a broad picture of demand side access to finance at the country level, we venture into analysing the patterns at state level, and then lastly at district level. Particularly at district level, we focus on agriculture households in rural areas to identify if there is a shift in the demand side financial access towards non-agriculture households in certain parts of the country. In order to do this, we use District level 'Basic Statistical Returns of Scheduled Commercial Banks' for the years 2004 and 2011, made available by RBI, to first construct supply side financial inclusion indices, and then infer about a relative shift in access to formal finance away from agriculture households, using a logistic regression framework.
