BARRIERS TO FORMAL SAVING: MICRO‐ AND MACROECONOMIC EFFECTS
综述了正规储蓄的障碍，将障碍分为供给侧（金融产品获取）和需求侧（产品使用频率），并分析不同干预措施的微观与宏观经济效应，有助于理解如何实现金融包容。
Abstract This paper examines different barriers to formal saving, considering various interventions and their possible effects at microeconomic and macroeconomic levels. It presents a comprehensive review of the literature, based on a detailed classification of the barriers associated with supply‐side factors, related to access to financial products, and demand‐side barriers, related to the use and frequency of use of those products. The paper concludes that this classification and analysis contributes to a fuller understanding of the question of financial inclusion, and how to achieve it.