Financial exclusion:
Gespeichert in:
| Hauptverfasser: | , |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Houndmills [u.a.]
Palgrave Macmillan
2005
|
| Schriftenreihe: | Palgrave Macmillan studies in banking and financial institutions
|
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | XVI, 184 S. graph. Darst |
| ISBN: | 1403990514 9781403990518 |
Internformat
MARC
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| 245 | 1 | 0 | |a Financial exclusion |c by Santiago Carbó, Edward P. M. Gardener and Philip Molyneux |
| 264 | 1 | |a Houndmills [u.a.] |b Palgrave Macmillan |c 2005 | |
| 300 | |a XVI, 184 S. |b graph. Darst | ||
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| 338 | |b nc |2 rdacarrier | ||
| 490 | 0 | |a Palgrave Macmillan studies in banking and financial institutions | |
| 700 | 1 | |a Carbó, Santiago |e Sonstige |4 oth | |
| 700 | 1 | |a Gardener, Edward P. M. |d 1947- |e Verfasser |0 (DE-588)121406776 |4 aut | |
| 700 | 1 | |a Molyneux, Philip |d 1959- |e Verfasser |0 (DE-588)129735396 |4 aut | |
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Datensatz im Suchindex
| _version_ | 1804142445243400192 |
|---|---|
| adam_text | Contents
List of Tables x
List of Figures xi
Glossary of Acronyms xii
Preface xv
Chapter 1 Introduction 1
Aims and objectives 2
Chapter 2 Nature, Consequences and Policy Reactions:
An Overview 4
Introduction 4
Nature and causes 4
The financially excluded 6
Consequences of financial exclusion 7
US experiences 9
Responding to financial exclusion 10
Conclusions 12
Chapter 3 Financial Exclusion in the UK 14
Introduction 14
Financial exclusion in the UK and the nature of excluded
groups 14
Why is financial exclusion occurring in the UK? 22
Excluded groups and products 27
Barriers to financial inclusion 35
Consequences of financial exclusion 39
Conclusions 43
Chapter 4 Tackling Financial Exclusion in the UK 45
Introduction 45
Government and financial sector partnership 45
Universal banking and basic banking services 48
Promoting financial literacy and closing the information
gap 55
Tailoring products and strategies 65
Other institutional arrangements 67
SMEs and micro credit (Microfinance) 72
vii
viii Contents
Regulation and financial exclusion 77
Conclusions 80
Chapter 5 Financial Exclusion in the US 82
Introduction 82
Nature and extent of the problem 82
Causes and consequences 87
Responses to financial exclusion in the US 89
A note on select bank trends and developments 93
Conclusions: Bank strategic implications 97
Chapter 6 Financial Exclusion in Europe 98
Introduction 98
Policy and strategic context 99
Select comparative data 102
Responding to financial exclusion in Europe 106
The market: Spain, Greece, Ireland and Italy 106
The voluntary role of banks: France, Germany and Belgium 107
The government as mediator: the UK and the attempt in
France 108
The government as legislator: France, Portugal and Sweden 108
Conclusions: Bank strategic implications 110
Chapter 7 European Policy on Financial Exclusion and
Bank Strategies 112
Introduction 112
Market context and European policy responses 112
Historical and institutional setting 114
Policy responses to financial exclusion 115
Bank strategies and products 117
The contribution of economic theory 121
Conclusions 144
Chapter 8 Financial Exclusion in Developing Countries 145
Introduction 145
Features of financial exclusion in developing countries 145
Rural economies and financial underdevelopment 147
Exclusion and financial development 151
Financial underdevelopment and the finance-growth nexus 152
Financial development is pro-poor 157
Mechanisms of financial inclusion in developing countries:
informal financial networks and microfinance 160
Rotating Saving and Credit Associations (ROSCA s) 160
Contents ix
The microfinance revolution 162
The Grameen Bank 164
A note on the microfinance experience in Bolivia 165
Development of formal intermediaries: some policy lessons 166
Conclusions 168
Chapter 9 Financial Exclusion - Areas for Further Study 169
References 171
Index 178
List of Tables
Table 3.1 New Policy Institute analysis of recent trends in
financial exclusion 1997-1999 19
Table 3.2 Access to financial services by selected household types 21
Table 3.3 Numbers of financial products by socio-economic
circumstances 30
Table 3.4 Numbers of financial products by household
circumstances 32
Table 4.1 The basic bank accounts of British banks 50
Table 4.2 Seven most important factors for an effective
financial advice service - details of cumulative
responses 58
Table 4.3 Good practice in financial information and advice 60
Table 4.4 Good practice in financial advice, 1994 and 1999
compared 62
Table 4.5 Disclosure of bank activity in deprived areas to
the British Bankers Association 76
Table 5.1 Family holdings of financial assets, by selected
characteristics of families and type of asset
2001 survey 84
Table 5.2 Distribution of reasons cited by respondents for their
families not having a chequing account, by reason,
1989, 1992, 1995, 1998, and 2001 surveys 88
Table 5.3 US bank asset concentration, 1984 versus 2002 94
Table 5.4 US savings institution asset concentration, 1992
versus 2000 95
Table 5.5 Credit union and bank comparisons, 2001 97
Table 6.1 Availability of a personal current account, giro
account or similar 103
Table 6.2 Payment services in the main European countries 103
Table 6.3 People in European countries who have never
had a current account (%) 105
Table 7.1 Gothenburg (2000) competition on products to
help combat financial exclusion - Credit services 122
Table 7.2 Gothenburg (2000) competition on products to
help combat financial exclusion - Payment and
savings services 131
x
List of Figures
Figure 3.1 Indicators of financial exclusion 20
Figure 8.1 Private credit of financial institutions to GDP 154
Figure 8.2 Association between private credit and economic
growth (1960-1995) 156
Figure 8.3 Real interest rates in industrialised and developing
countries 157
Figure 8.4 Grameen Bank s operations 165
xi
|
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| dewey-ones | 332 - Financial economics |
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| dewey-tens | 330 - Economics |
| discipline | Wirtschaftswissenschaften |
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| illustrated | Illustrated |
| indexdate | 2024-07-09T22:31:53Z |
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| isbn | 1403990514 9781403990518 |
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| series2 | Palgrave Macmillan studies in banking and financial institutions |
| spelling | Financial exclusion by Santiago Carbó, Edward P. M. Gardener and Philip Molyneux Houndmills [u.a.] Palgrave Macmillan 2005 XVI, 184 S. graph. Darst txt rdacontent n rdamedia nc rdacarrier Palgrave Macmillan studies in banking and financial institutions Carbó, Santiago Sonstige oth Gardener, Edward P. M. 1947- Verfasser (DE-588)121406776 aut Molyneux, Philip 1959- Verfasser (DE-588)129735396 aut HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=019989278&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Gardener, Edward P. M. 1947- Molyneux, Philip 1959- Financial exclusion |
| title | Financial exclusion |
| title_auth | Financial exclusion |
| title_exact_search | Financial exclusion |
| title_full | Financial exclusion by Santiago Carbó, Edward P. M. Gardener and Philip Molyneux |
| title_fullStr | Financial exclusion by Santiago Carbó, Edward P. M. Gardener and Philip Molyneux |
| title_full_unstemmed | Financial exclusion by Santiago Carbó, Edward P. M. Gardener and Philip Molyneux |
| title_short | Financial exclusion |
| title_sort | financial exclusion |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=019989278&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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