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Una nueva mirada a la inclusión financiera en Chile

Author

Listed:
  • Cristián Cuevas Valdés

    (Centro de Estudios Financiros - ESE Business School, Universidad de los Andes)

Abstract

Despite a significant growth in the ownership of financial products among the population, international evidence shows that in practice most of households do not effectively use these products. From the author point of view, this represents a challenge Chilean 2014 Household Financial Survey to estimate a probit model, with selection bias correction, to analyze socioeconomic and demographic determinants that influence both access and use of debit and credit cards in Chile. Public policy implications are derived from the paper’s findings: encouraging savings, taking advantage of complementarities with other assets and financial products, and expanding the use of internet would have a positive effect on financial inclusion.

Suggested Citation

  • Cristián Cuevas Valdés, 2016. "Una nueva mirada a la inclusión financiera en Chile," Estudios Públicos, Centro de Estudios Públicos, vol. 0(143), pages 77-107.
    • Handle: RePEc:cpt:journl:v::y:2016:i:143:p:77-107
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    More about this item

    Keywords

    financial inclusion; savings; credit;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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