| 来源类型 | Discussion paper |
| 规范类型 | 论文 |
| 来源ID | DP15596 |
| DP15596 Consumer protection for financial inclusion in low and middle income countries: Bridging regulator and academic perspectives | |
| Seth Garz; Xavier Gine; Dean Karlan; Rafe Mazer; Caitlin Sanford; Jonathan Zinman | |
| 发表日期 | 2020-12-22 |
| 出版年 | 2020 |
| 语种 | 英语 |
| 摘要 | Markets for consumer financial services are growing rapidly in low and middle income countries and being transformed by digital technologies and platforms. With growth and change come concerns about protecting consumers from firm exploitation due to imperfect information and contracting as well as from their own decision-making limitations. We seek to bridge regulator and academic perspectives on these underlying sources of harm and five potential problems that can result: high and hidden prices, overindebtedness, post-contract exploitation, fraud, and discrimination. These potential problems span product markets old and new, and could impact micro- and macroeconomies alike. Yet there is little consensus on how to define, diagnose, or treat them. Evidence-based consumer financial protection will require substantial advances in theory and especially empirics, and we outline key areas for future research. |
| 主题 | Development Economics ; Financial Economics ; Labour Economics ; Public Economics |
| 关键词 | Household finance Consumer protection |
| URL | https://cepr.org/publications/dp15596-0 |
| 来源智库 | Centre for Economic Policy Research (United Kingdom) |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/544605 |
| 推荐引用方式 GB/T 7714 | Seth Garz,Xavier Gine,Dean Karlan,et al. DP15596 Consumer protection for financial inclusion in low and middle income countries: Bridging regulator and academic perspectives. 2020. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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