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题名:	Inclusive Banking, Financial Regulation and Bank Performance : Cross-Country Evidence
作者:	何靜嫺 Ho, Shirley J. Mostak, Ahamed M. Mallick, Sushanta K. Roman, Matousek
贡献者:	經濟系
关键词:	Financial inclusion;Pro-access policy;Regulatory environment;Bank efficiency
日期:	2021-03
上传时间:	2021-06-17 14:08:57 (UTC+8)
摘要:	This paper investigates whether inclusive banking can boost bank-level performance, using an international sample of 1,740 banks over the period 2004-2015. We find that there is a significant positive association between financial inclusion and bank efficiency. Greater financial inclusion helps banks in reducing the volatility of their deposit-funding share as it provides more stable long-term funds for banks, while also mitigating the adverse effects of their return volatility. The association is stronger in countries with limited restrictions on banking activities or more capital regulation stringency as the deposit channel enables greater flow of low-cost funds for high-return investments. The results are robust to instrumental variable analysis, multiple dimensions of financial inclusion (supply, demand, and pro-access policy), and a difference-in-differences estimator that exploits cross-country and temporal variations in actively promoting an inclusive agenda, further confirming that inclusive financial development can be beneficial for banks.
關聯:	Journal of Banking and Finance, Volume 124, March 2021, 106055
数据类型:	article
DOI 連結:	https://doi.org/10.1016/j.jbankfin.2021.106055
DOI:	10.1016/j.jbankfin.2021.106055
显示于类别:	[經濟學系] 期刊論文

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