非洲数字普惠金融分析
摘要
普惠金融有自身内在的困境,即金融服务的可获得性、可负担性与商业可持续性之间存在冲突。而借助技术进步、规模效应以及商业生态系统的建设,数字普惠金融有望解决这一难题。本文分析了包括移动支付、移动信贷、移动保险等非洲数字普惠金融的现状,并以肯尼亚M-PESA为例,分析了非洲数字普惠金融发展的原因。本文认为,非洲数字普惠金融存在很大的发展空间,同时也有值得中国发展数字普惠金融借鉴的经验。
引文
[1]贝多广,张锐.包容性增长背景下的普惠金融发展战略[J].经济理论与经济管理,2017(2).
[2]贝多广,李焰.数字普惠金融新时代[M].中信出版集团,2017.
[3]世界银行.普惠金融(2014全球金融发展报告)[M].中国财政经济出版社,2015.
[4]二十国集团(G20).二十国集团数字普惠金融高级原则.杭州,2016.
[5]Aker,J.,Mbiti,I.Mobile Phones and Economic Development in Africa.[J]Journal of Economic Perspectives,2010,24(3),207-232.
[6]Hughes,N,Lonie,S.M-PESA:Mobile Money for the“Unbanked”Turning Cellphones into 24-Hour Tellers in Kenya[J]Innovations:Technology,Governance,Globalization,2(1-2),63-81.
[7]Maloumby-Baka,R.,Kingombe,C.“The Quest to Lower High Remittance Costs to Africa:A Brief Review of the Use of Mobile Banking and Bitcoins[R]UNCTAD,Working Paper.
[8]Weil,D.N.“Mobile Banking:The Impact of M-PESAin Kenya.”,the National Bureau of Economic Research.Working Paper2016(2).
[9]The World Bank Development Research Group,the Better Than Cash Al iance,and the Bill&Melinda Gates Foundation to the G20 Global Partnership for Financial Inclusion.The Opportunities of Digitizing Payments:How digitization of payments,transfers,and remittances contributes to the G20 goals of broad-based economic growth,financial inclusion,and women’s economic empowerment,2014.
[10]Immelt,Jeffrey R.,Vijay Govindarajan,and Chris Trimble.How GE Is Disrupting Itself.Harvard Business Review2009,87(10):56-65.
1.M-PESA用户可以向微信支付用户转账的报道来自凤凰网的报道2018.12.4“微信支付开始接受肯尼亚最大移动支付服务M-Pesa的转账”。
[2]贝多广,李焰.数字普惠金融新时代[M].中信出版集团,2017.
[3]世界银行.普惠金融(2014全球金融发展报告)[M].中国财政经济出版社,2015.
[4]二十国集团(G20).二十国集团数字普惠金融高级原则.杭州,2016.
[5]Aker,J.,Mbiti,I.Mobile Phones and Economic Development in Africa.[J]Journal of Economic Perspectives,2010,24(3),207-232.
[6]Hughes,N,Lonie,S.M-PESA:Mobile Money for the“Unbanked”Turning Cellphones into 24-Hour Tellers in Kenya[J]Innovations:Technology,Governance,Globalization,2(1-2),63-81.
[7]Maloumby-Baka,R.,Kingombe,C.“The Quest to Lower High Remittance Costs to Africa:A Brief Review of the Use of Mobile Banking and Bitcoins[R]UNCTAD,Working Paper.
[8]Weil,D.N.“Mobile Banking:The Impact of M-PESAin Kenya.”,the National Bureau of Economic Research.Working Paper2016(2).
[9]The World Bank Development Research Group,the Better Than Cash Al iance,and the Bill&Melinda Gates Foundation to the G20 Global Partnership for Financial Inclusion.The Opportunities of Digitizing Payments:How digitization of payments,transfers,and remittances contributes to the G20 goals of broad-based economic growth,financial inclusion,and women’s economic empowerment,2014.
[10]Immelt,Jeffrey R.,Vijay Govindarajan,and Chris Trimble.How GE Is Disrupting Itself.Harvard Business Review2009,87(10):56-65.
1.M-PESA用户可以向微信支付用户转账的报道来自凤凰网的报道2018.12.4“微信支付开始接受肯尼亚最大移动支付服务M-Pesa的转账”。