ISBN:
9780230508743
Language:
English
Pages:
Online-Ressource (XVI, 184 p, online resource)
Series Statement:
Palgrave Macmillan Studies in Banking and Financial Institutions
Series Statement:
SpringerLink
Series Statement:
Bücher
Series Statement:
Springer eBook Collection
Series Statement:
Palgrave Economics & Finance Collection
Series Statement:
Springer ebook collection / Palgrave Economics and Finance Collection 2000 - 2013
Parallel Title:
Erscheint auch als
Parallel Title:
Printed edition
Keywords:
Finanzdienstleistung
;
Privatkundengeschäft
;
Soziale Ausgrenzung
;
Diskriminierung
;
Großbritannien
;
USA
;
Europa
;
Entwicklungsländer
;
Business
;
Business and Management
;
Financial services industry Customer services
;
Discrimination in financial services
;
Financial services industry Government policy
;
Business enterprises Finance
;
Banks and banking
;
Finanzdienstleistung
;
Preisdiskriminierung
;
Finanzdienstleistung
;
Preisdiskriminierung
Abstract:
This text is concerned with the increasingly important and problematic area of financial exclusion, broadly defined as the inability and/or reluctance of particular societal groups to access mainstream financial services. This has emerged as a major international policy issue. There is growing evidence that deregulation in developed financial sectors improves financial inclusion for some societal groups (more products become available to a bigger customer base), but may at the same time exacerbate it for others (for example, by emphasizing greater customer segmentation and more emphasis on risk-based pricing and 'value added'). In developing countries access to financial services is typically limited and therefore providing wider access to such services can aid financial and economic development. This is the first text to analyze financial exclusion issues in different parts of the world and it covers the various public and private sector mechanisms that have been advanced to help eradicate this problem
Description / Table of Contents:
Cover; Contents; List of Tables; List of Figures; Glossary of Acronyms; Preface; Chapter 1 Introduction; Chapter 2 Nature, Consequences and Policy Reactions: An Overview; Chapter 3 Financial Exclusion in the UK; Chapter 4 Tackling Financial Exclusion in the UK; Chapter 5 Financial Exclusion in the US; Chapter 6 Financial Exclusion in Europe; Chapter 7 European Policy on Financial Exclusion and Bank Strategies; Chapter 8 Financial Exclusion in Developing Countries; Chapter 9 Financial Exclusion - Areas for Further Study; References; Index;
Description / Table of Contents:
List of TablesList of Figures -- Glossary of Acronyms -- PART 1: INTRODUCTION -- Aims and Objectives -- PART 2: NATURE, CONSEQUENCES AND POLICY REACTIONS: AN OVERVIEW -- Introduction -- Nature and Causes -- The Financially Excluded -- Consequences of Financial Exclusion -- US Experiences -- Responding to Financial Exclusion -- Conclusions -- PART 3: UK EXPERIENCES -- Introduction -- Financial Exclusion in the UK and the Nature of Excluded Groups -- Background and Types of Indicators -- Why is Financial Exclusion Occurring in the UK? -- Excluded Groups and Products -- Barriers to Financial Inclusion -- Consequences of Financial Exclusion -- PART 4: TACKLING FINANCIAL EXCLUSION IN THE UK -- Introduction -- Government and Financial Sector Partnership -- Universal Banking and Basic Banking Services -- Promoting Financial Literacy and Closing the Information Gap -- Tailoring Products and Strategies -- Other Institutional Arrangements -- SMEs and Micro Credit (Microfinance) -- Regulation and Financial Exclusion -- Conclusions -- PART 5: FINANCIAL EXCLUSION IN THE US -- Introduction -- Nature and Extent of the Problem -- Causes and Consequences -- Responses to Financial Exclusion in the US -- A Note on Select Bank Trends and Development -- Conclusion: Bank Strategic Implications -- PART 6: FINANCIAL EXCLUSION IN EUROPE -- Introduction -- Policy and Strategic Context -- Select Comparative Data -- Responding to Financial Exclusion in Europe -- Market: Spain, Greece, Ireland and Italy -- Voluntary Role of Banks: France, Germany and Belgium -- Government as Mediator: The UK and the Attempt in France -- Government as Legislator: France, Portugal and Sweden -- Conclusions -- PART 7: EUROPEAN POLICY ON FINANCIAL EXCLUSION AND BANK STRATEGIES -- Introduction -- Market Context and European Policy Responses -- Historical and Institutional Settings -- Policy Responses to Financial Exclusion -- Bank Strategies and Products -- The Contribution to Economic Theory -- Conclusion -- PART 8: FINANCIAL EXCLUSION IN DEVELOPING COUNTRIES -- Introduction -- Features of Financial Exclusion in Developing Countries -- Rural Economies and Financial Underdevelopment -- Exclusion and Financial Development -- Financial Underdevelopment and the Finance-growth nexus -- Financial Development is Pro-poor -- Mechanisms of Financial Inclusiuon in Developing Countries: Informal Financial Networks and Microfinance -- Rotating Saving and Credit Associations (ROSCAs) -- The Microfinance Revolution -- A Note on the Microfinance Experience in Bolivia -- Development of Formal Intermediaries: Some Policy Lessons -- Conclusions -- PART 9: FINANCIAL EXCLUSION -- AREAS FOR FURTHER STUDY -- Introduction -- Areas for Further Study -- References.
Description / Table of Contents:
Cover; Contents; List of Tables; List of Figures; Glossary of Acronyms; Preface; Chapter 1 Introduction; Chapter 2 Nature, Consequences and Policy Reactions: An Overview; Chapter 3 Financial Exclusion in the UK; Chapter 4 Tackling Financial Exclusion in the UK; Chapter 5 Financial Exclusion in the US; Chapter 6 Financial Exclusion in Europe; Chapter 7 European Policy on Financial Exclusion and Bank Strategies; Chapter 8 Financial Exclusion in Developing Countries; Chapter 9 Financial Exclusion - Areas for Further Study; References; Index;
Description / Table of Contents:
List of TablesList of Figures -- Glossary of Acronyms -- PART 1: INTRODUCTION -- Aims and Objectives -- PART 2: NATURE, CONSEQUENCES AND POLICY REACTIONS: AN OVERVIEW -- Introduction -- Nature and Causes -- The Financially Excluded -- Consequences of Financial Exclusion -- US Experiences -- Responding to Financial Exclusion -- Conclusions -- PART 3: UK EXPERIENCES -- Introduction -- Financial Exclusion in the UK and the Nature of Excluded Groups -- Background and Types of Indicators -- Why is Financial Exclusion Occurring in the UK? -- Excluded Groups and Products -- Barriers to Financial Inclusion -- Consequences of Financial Exclusion -- PART 4: TACKLING FINANCIAL EXCLUSION IN THE UK -- Introduction -- Government and Financial Sector Partnership -- Universal Banking and Basic Banking Services -- Promoting Financial Literacy and Closing the Information Gap -- Tailoring Products and Strategies -- Other Institutional Arrangements -- SMEs and Micro Credit (Microfinance) -- Regulation and Financial Exclusion -- Conclusions -- PART 5: FINANCIAL EXCLUSION IN THE US -- Introduction -- Nature and Extent of the Problem -- Causes and Consequences -- Responses to Financial Exclusion in the US -- A Note on Select Bank Trends and Development -- Conclusion: Bank Strategic Implications -- PART 6: FINANCIAL EXCLUSION IN EUROPE -- Introduction -- Policy and Strategic Context -- Select Comparative Data -- Responding to Financial Exclusion in Europe -- Market: Spain, Greece, Ireland and Italy -- Voluntary Role of Banks: France, Germany and Belgium -- Government as Mediator: The UK and the Attempt in France -- Government as Legislator: France, Portugal and Sweden -- Conclusions -- PART 7: EUROPEAN POLICY ON FINANCIAL EXCLUSION AND BANK STRATEGIES -- Introduction -- Market Context and European Policy Responses -- Historical and Institutional Settings -- Policy Responses to Financial Exclusion -- Bank Strategies and Products -- The Contribution to Economic Theory -- Conclusion -- PART 8: FINANCIAL EXCLUSION IN DEVELOPING COUNTRIES -- Introduction -- Features of Financial Exclusion in Developing Countries -- Rural Economies and Financial Underdevelopment -- Exclusion and Financial Development -- Financial Underdevelopment and the Finance-growth nexus -- Financial Development is Pro-poor -- Mechanisms of Financial Inclusiuon in Developing Countries: Informal Financial Networks and Microfinance -- Rotating Saving and Credit Associations (ROSCAs) -- The Microfinance Revolution -- A Note on the Microfinance Experience in Bolivia -- Development of Formal Intermediaries: Some Policy Lessons -- Conclusions -- PART 9: FINANCIAL EXCLUSION -- AREAS FOR FURTHER STUDY -- Introduction -- Areas for Further Study -- References.
Note:
Includes bibliographical references and index
DOI:
10.1057/9780230508743
URL:
Volltext
(Deutschlandweit zugänglich)
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