Tài chính toàn diện tại Việt Nam: Các yếu tố xác định việc sử dụng các sản phẩm của ngân hàng và mobile money=Financial inclusion in Vietnam: The determinants in using banking products and mobile money

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Tác giả: Lương Thị Thúy Hường, Nguyễn Thị Ánh Như

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Tạp chí Khoa học Đại học Mở Thành phố Hồ Chí Minh - Kinh tế và Quản trị kinh doanh, 2024

Mô tả vật lý: tr.45731

Bộ sưu tập: Metadata

ID: 481368

Thêm vào giỏ

Nghiên cứu này mở rộng cách tiếp cận Tài Chính Toàn Diện (TCTD) truyền thống bằng việc xây dựng thang đo tài chính toàn diện dựa trên cấu trúc các sản phẩm và dịch vụ hiện phổ biến tại Việt Nam thông qua hai chỉ số TCTD về ngân hàng và TCTD về mobile money. Tiếp đến, nghiên cứu xem xét các yếu tố tác động đến mức độ tài chính toàn diện của các cá nhân tại Việt Nam. Nghiên cứu sử dụng dữ liệu khảo sát 1,000 cá nhân tại Việt Nam năm 2022. Kết quả hồi quy của các yếu tố nhân khẩu học chỉ ra rằng các cá nhân có trình độ học vấn cao, thu nhập cao và đang tham gia lực lượng lao động có xu hướng sử dụng sản phẩm và dịch vụ tài chính ngân hàng và mobile money nhiều hơn, mức độ tài chính toàn diện của nhóm đối tượng này cũng cao hơn. Bên cạnh các yếu tố nhân khẩu học cơ bản, các kết quả hồi quy mở rộng chỉ ra rằng việc sinh sống ở thành thị hay nông thôn không tác động đến TCTD về ngân hàng. Tuy nhiên, đối với mức độ TCTD về mobile money, việc sinh sống ở thành thị có tương quan dương với việc sử dụng mobile money. Trên cơ sở các bằng chứng thực nghiệm, nghiên cứu đề xuất một số kiến nghị nhằm nâng cao mức độ tài chính toàn diện cho cá nhân.This research attempts to enhance the conventional financial inclusion framework by developing comprehensive financial inclusion indexes based on the structure of products and services currently famous in Vietnam through two financial inclusion indexes, which are approached by banking and mobile money. Furthermore, the study examines factors affecting the level of financial inclusion indexes of individuals in Vietnam. The study uses survey data from 1,000 individuals in Vietnam conducted by the World Bank in 2022. The findings indicate that those with higher levels of education, high income, and participation in the workforce have a greater propensity to utilize banking and mobile money services, resulting in a higher level of financial inclusion index within this demographic. Besides essential demographic factors, the results from the extended regression analysis suggest that living in urban or rural areas does not significantly influence the financial inclusion index as measured by banking accessibility. However, when the financial inclusion index was approached by mobile money, living in an urban area was positively correlated with mobile money use. The study proposes several policy implications to improve individuals' financial inclusion levels based on empirical evidence.

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