Đánh giá tác động của tiếp cận tài chính toàn diện đến tăng trưởng kinh tế: nghiên cứu thực nghiệm với dữ liệu cấp tỉnh ở Việt Nam

Abstract

The impact of financial inclusion on economic growth has been researched and debated multi-dimensionally recently. Theoretical and empirical research results with cross-country data show that the relationship between inclusion financial expansion and economic growth exists quite closely and is highly significant. But whether this impact relationship is positive or negative, big impact or a small impact, is different depending on the context of each country. With the goal of researching the relationship between financial inclusion and economic growth for Vietnam in the period 2016 - 2020, household-level data and provincial-level data for Vietnam are selected. The results show that enhancing financial inclusion has a largely positive impact on GRDP per capita. In addition, increasing the proportion of trained workers in the workforce, enhancing digital infrastructure through the internet usage rate, reducing multidimensional poverty, while minimizing negative impacts from the Covid pandemic will improve economic growth in Vietnam in the period 2016 - 2020.