Đo lường tài chính toàn diện từ cung và cầu: Trường hợp nghiên cứu tại Việt Nam

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Tác giả: Mạnh Tú Đoàn, Thanh Tâm Lê, Thị Kim Nhung Lê

Ngôn ngữ: Vie

Ký hiệu phân loại: 650 Management and auxiliary services

Thông tin xuất bản: Tạp chí Khoa học Thương mại , 2022

Mô tả vật lý: 28-37

Bộ sưu tập: Metadata

ID: 415546

Thêm vào giỏ Liên kết toàn văn

Tài chính toàn diện có vai trò to lớn trong phát triển kinh tế, xóa đói nghèo và giảm bất bình đẳng. Việc đo lường tài chính toàn diện nhằm xác định vị trí, thực trạng của tài chính toàn diện tại Việt Nam là rất cần thiết nhằm đưa ra các giải pháp khả thi thực hiện chiến lược tài chính toàn diện tại Việt Nam. Mục tiêu của bài viết sẽ đo lường chỉ số tài chính toàn diện tại Việt Nam trên 2 phương diện cung và cầu, đồng thời so sánh với chỉ số tài chính toàn diện của một số nước trong khu vực. Nhóm tác giả sử dụng phương pháp tính toán chỉ số tài chính toàn diện của Sarma (2015) dựa trên số liệu cung về tài chính toàn diện của IMF từ năm 2010-2019 và phương pháp của Camara và Tuesta (2014) theo số liệu phía cầu của tài chính toàn diện của WB năm 2017. Kết quả nghiên cứu theo số liệu bên cung, Việt Nam có chỉ số tài chính toàn diện tăng 8 bậc từ năm 2010 đến 2019 và có mức xếp hạng trung bình, đứng thứ 40/77 nước năm 2019. Theo số liệu bên cầu, Việt Nam có chỉ số tài chính toàn diện ở mức thấp, xếp hạng thứ 96/115. Kết quả nghiên cứu của 2 phương pháp có khác nhau do sử dụng 2 bộ số liệu khác nhau. Tuy nhiên, nhóm tác giả tìm xu hướng của tài chính toàn diện tại Việt Nam theo 2 phương pháp có điểm tương đồng. Đặc biệt là xác định được thực trạng của tài chính toàn diện tại Việt Nam và so sánh với các nước trong khu vực trên phương diện phía cung và cầu, từ đó giúp các nhà hoạch định chính sách đưa ra các giải pháp hiệu quả và tổng thể từ phía cung và cầu để thúc đầy tài chính toàn diện tại Việt Nam., Tóm tắt tiếng anh, Financial inclusion plays an important role in economic development, poverty eradication and inequality reduction. The measurement of financial inclusion is essential for defining the comprehensive pictures of financial inclusion in Vietnam, which is the foundation for proposing recommendations to implement the financial inclusion strategy successfully. This paper is aimed to measure the financial inclusion index in Vietnam from both supply and demand sides, in comparison with financial inclusion index of peer countries in the region. The method of calculating the financial inclusion index of Sarma (2015) are utilised with data of financial inclusion supply provided by the IMF in period 2010-2019. The Camara and Tuesta (2014) measurement method is based on the financial inclusion demand data of WB in 2017. According to supply side analysis, Vietnam's financial inclusion index increased by 8 places, and has the medium ranking of 40 /77 countries. According to demand-side data, Vietnam has a low financial inclusion index, ranking 96/115 countries. This result comes from different approach of demand and supply, but showing that (i) the suppliers of financial inclusion in Vietnam has done the better job
(ii) the room for meeting demands of financial inclusion is still very potential and promising. The fact findings and comparison with other countries on financial inclusion are very helpful for policy makers to understand where Vietnam stands, and how to promote financial inclusion from both supply and demand sides.

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