Banking for the Poor: Evidence from India
利用印度社会银行项目的政策特征，发现国家主导的农村银行网点扩张降低了贫困，且强制贷款要求增加了穷人尤其是低种姓和部落群体的银行借贷。
State led credit and savings programs have been implemented in numerous low income countries, but their success in reaching the poor remains widely debated. We report on research which exploits the policy features of the Indian social banking program to provide evidence on this issue. State-led branch expansion into rural unbanked locations reduced poverty across Indian states. In addition, the enforcement of directed bank lending requirements was associated with increased bank borrowing among the poor, in particular low caste and tribal groups.