Digitalization And Future Banking The Impact On Community Development In Rural Areas In China
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Financial Inclusion In China
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Author : Hongmei Zhu
language : en
Publisher: Springer Nature
Release Date : 2023-10-23
Financial Inclusion In China written by Hongmei Zhu and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-10-23 with Business & Economics categories.
This book aims to provide first-hand information for readers who are concerned about inclusive finance and sustainable development by summarizing China’s policy measures and practical innovations in the development of inclusive finance and expects to provide China’s experience for the development of inclusive finance in more regions. From a worldwide perspective, a large number of people had been excluded from formal financial services for a long time due to various factors. Even in developed economies with sound financial systems, relatively disadvantaged groups are often denied access to effective financial services. In 2005, the United Nations proposed the concept of Inclusive Finance, emphasizing the extension of financial services to less developed regions and low-income groups in society at an affordable cost by improving financial infrastructure and providing them with reasonably priced and convenient financial services. In 2015, the United Nations adopted the 2030 Agenda for Sustainable Development, making inclusive finance an important focus for achieving sustainable development. It has become a global consensus to vigorously develop inclusive finance. China has attached importance to improving financial services for disadvantaged groups such as rural residents, micro-, small and medium enterprises (MSMEs) and others. In 2013, Developing “Inclusive Finance” became China’s national strategy. In 2015, China formulated the Plan for Promoting the Development of Inclusive Finance (2016-2020). In 2016, during its presidency of the Global Partnership for Financial Inclusion (GPFI), China proposed the issue of "Digital Financial Inclusion" and issued the G20 High-level Principles for Digital Financial Inclusion at the G20 Hangzhou Summit in the same year. Through policy guidance and active practice by the financial sector, China has gradually formed a unique development model of inclusive finance and achieved remarkable successes. Physical outlets, service machines and online service channels have been improved, and basic financial services have generally covered both urban and rural areas. The financial services for rural households and MSMEs have improved significantly. The efficiency and convenience of financial services have been significantly improved, and the satisfaction of financial services has significantly increased. China's experience in inclusive finance has been recognized by the international community. In 2017, five cases from China were selected in the G20 report on Digital Financial Inclusion: Emerging Policy Approaches.
The Future Of Rural Banking In China A Pragmatic Discourse On Current Issues With Policy Recommendations For The Future
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Author : Kwan Hong Tan
language : en
Publisher: Anchor Academic Publishing
Release Date : 2016-06
The Future Of Rural Banking In China A Pragmatic Discourse On Current Issues With Policy Recommendations For The Future written by Kwan Hong Tan and has been published by Anchor Academic Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-06 with Business & Economics categories.
In the research and analysis of how the future of rural banking in China will look like, the author chooses to adopt a pragmatic and policy-like approach towards the analysis of this issue. Current issues of the rural banking system are being discussed in depth, followed by a range of policy recommendations put forth that attempts to address these issues. It is the sincere wish of the author that the policies mentioned herein will be implemented for the benefit of the millions dependent on the rural banking system for their growth and livelihood.
Finance In Rural China
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Author : Xingyuan Feng
language : en
Publisher: Taylor & Francis
Release Date : 2023-03-24
Finance In Rural China written by Xingyuan Feng and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-03-24 with Business & Economics categories.
This book offers insights into the scholarly debates on formal and informal finance in rural China and fills a gap in the existing literature. The book provides an overview of the overall development of rural finance in China and explains the necessity of embarking on the pathway toward rural financial pluralization through the "Local Knowledge Paradigm". The authors also analyze formal and informal financial development and inclusive finance (including digital inclusive finance) in rural China in various dimensions. This book aids the understanding of the structure of the rural financial system and the operations of rural financial service providers in China. It will be a useful reference for those researching and interested in rural economy and rural finance.
The Digital Financial Revolution In China
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Author : David Dollar
language : en
Publisher: Brookings Institution Press
Release Date : 2022-05-10
The Digital Financial Revolution In China written by David Dollar and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-05-10 with Business & Economics categories.
Describes how China is in the lead in transforming finance for the digital age This book is the product of a joint research project between economists at the National School of Development, especially the affiliated Institute of Digital Finance, at Peking University and at the Brookings Institution. It investigates the impact of financial technology on job creation, income distribution, and consumer welfare in China. It also examines larger systemic issues such as monetary policy, stability of the banking sector, and international trade and payments.
Stay Competitive In The Digital Age The Future Of Banks
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Author : MissEstelle X Liu
language : en
Publisher: International Monetary Fund
Release Date : 2021-02-19
Stay Competitive In The Digital Age The Future Of Banks written by MissEstelle X Liu and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-02-19 with Business & Economics categories.
The latest advancement in financial technology has posed unprecedented challenges for incumbent banks. This paper analyzes the implications of these challenges on bank competitveness, and explores the factors that could support digital advancement in banks. The analysis shows that the traditionally leading role of banks in advancing financial technology has diminished in recent years, and suggests that onoing efforts to catch up to the digital frontier could lead to a more concentrated banking industry, as smaller and less tech-savvy banks struggle to survive. Cross-country evidence has suggested that banks in high-income economies appear to have been the digital leaders, likely benefiting from a sound digital infrastructure, a strong legal and business environment, and healthy competition. Nonetheless, some digital leaders may fall behind in the coming years in adopting newer technologies due to entrenched consumer behavior favoring older technologies, less active fintech and bigtech companies, and weak bank balance sheets.
China S Digital Economy Opportunities And Risks
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Author : Ms.Longmei Zhang
language : en
Publisher: International Monetary Fund
Release Date : 2019-01-17
China S Digital Economy Opportunities And Risks written by Ms.Longmei Zhang and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-01-17 with Business & Economics categories.
China’s digital economy has expanded rapidly in recent years. While average digitalization of the economy remains lower than in advanced economies, digitalization is already high in certain regions and sectors, in particular e-commerce and fintech, and costal regions. Such transformation has boosted productivity growth, with varying impact on employment across sectors. Going forward, digitalization will continue to reshape the Chinese economy by improving efficiency, softening though not reversing, the downward trend of potential growth as the economy matures. The government should play a vital role in maximizing the benefits of digitalization while minimizing related risks, such as potential labor disruption, privacy infringement, emerging oligopolies, and financial risks.
Digitalization And The Future Of Financial Services
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Author : Darko B. Vukovic
language : en
Publisher: Springer Nature
Release Date : 2022-09-20
Digitalization And The Future Of Financial Services written by Darko B. Vukovic and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-09-20 with Business & Economics categories.
This book develops insights of digitalization and the future of financial services to originate an innovative approach to financial field, in order to underpin research and practice in the wide area of digital finance. The aim of this book is to extend our understandings on how digitalization and the future of financial services can be helpful in different business circumstances in many cross-functional financial areas, such as financial markets, financial risk management, financial technologies, investment finance, etc. Thus, the book aims at addressing the relevance of digital finance for different players, highlighting differences in tools and processes as well as identifying innovative practices in financial digitalization. This can result in some novel theoretical and practical insights that can foster financial players, in order to proactively explore and exploit opportunities in financial digitalization and offset financial risks and increase efficiency.
Determinants Of Transient And Chronic Poverty
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Author : Jyotsna Jalan
language : en
Publisher:
Release Date : 2016
Determinants Of Transient And Chronic Poverty written by Jyotsna Jalan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
Both chronic and transient poverty are reduced by greater command over physical capital, and life-cycle effects for the two types of poverty are similar. But there the similarities end. Most policies aimed at reducing chronic poverty may have little or no effect on transient poverty. Are the determinants of chronic and transient poverty different? Do policies that reduce transient poverty also reduce chronic poverty?Jalan and Ravallion decompose measures of household poverty into chronic and transient components and use censored conditional quantile estimators to investigate the household and geographic determinants of both chronic and transient poverty, taking panel data for post-reform rural China. They find that a household's average wealth holding is an important determinant for both transient and chronic poverty. Although household demographics, levels of education, and the health status of members of the household are important for chronic poverty, they are not significant determinants of transient poverty.Both chronic and transient poverty are reduced by greater command over physical capital, and life-cycle effects for the two types of poverty are similar. But there the similarities end. Smaller and better-educated households have less chronic poverty, but household size and level of education matters little for transient poverty. Living in an area where health and education are better reduces chronic poverty but appears to be irrelevant to transient poverty. Nor are higher foodgrain yields a significant determinant of transient poverty, although they are highly significant in reducing chronic poverty.These findings suggest that China's poor-area development program may be appropriate for reducing chronic poverty but is unlikely to help reduce variations in consumption that households typically face in poor areas - the exposure to uninsured income risk that underlies transient poverty will probably persist. Other policy instruments may be needed to deal with transient poverty, including seasonal public works, credit schemes, buffer stocks, and insurance options for the poor.This paper - a product of Poverty and Human Resources, Development Research Group- is part of a larger effort in the group to reexamine the role of the informal sector.
Fintech And Islamic Finance
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Author : Nafis Alam
language : en
Publisher: Springer Nature
Release Date : 2019-10-02
Fintech And Islamic Finance written by Nafis Alam and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-10-02 with Business & Economics categories.
Financial Technology (Fintech) has revolutionized the financial world as one of the fastest-growing segments in both the technology and financial sectors. With the usage of underlying principles of Blockchain technology, Fintech is bringing the financial community together and making financial services accessible to everyone. Fintech has far-reaching implications for Islamic finance such as banking, investment, insurance (takaful) and wealth management, which are benefitting from this usage. This book provides a comprehensive review of how Fintech is shaping the Islamic finance industry through three key aspects: Digitalization, Development and Disruption. The book will provide insight on the Shariahtech (Fintech in line with Shariah principle) and its application in the Islamic finance industry. The book also gives an overview of Blockchain and Fintech evolution and how they act as the building blocks of the digital financial landscape. Readers of the book will also get a detailed discernment on the Islamic viewpoint on cryptocurrency as well as the application of the smart contract in different Islamic financial services. The book provides students, academics and researchers with a detailed description of the Blockchain and Fintech application in Islamic finance.
The Impact Of Mining Lifecycles In Mongolia And Kyrgyzstan
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Author : Troy Sternberg
language : en
Publisher: Routledge
Release Date : 2021-09-26
The Impact Of Mining Lifecycles In Mongolia And Kyrgyzstan written by Troy Sternberg and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-09-26 with Business & Economics categories.
This volume investigates how mining affects societies and communities in Mongolia and Kyrgyzstan. As ex-Soviet states, Mongolia and Kyrgyzstan share history, culture and transitions to democracy. Most importantly, both are mineral-rich countries on China’s frontier and epi-centres of resource extraction. This volume examines challenges communities in these countries encounter on the long journey through resource exploration, extraction and mine closure. The book is organised into three related sections that travel from mine licensing and instigation to early anticipation of benefit through the realisation of social and environmental impacts to finite issues such as jobs, monitoring, dispute resolution and reclamation. Most originally, each chapter will include a final section entitled "Notes from the field" that presents the voice of in-country researchers and stakeholders. These sections will provide local contextual knowledge on the chapter’s theme by practitioners from Mongolia and Central Asia. The volume thereby offers a distinctively grounded perspective on the tensions and benefits of mining in this dynamic region. Using Mongolia and Kyrgyzstan as case studies, the volume reflects on the evolving challenges communities and societies encounter with resource extraction worldwide. The book will be of great interest to students and scholars of mining and natural resource extraction, corporate social responsibility and sustainable development.