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Welfare, occupazione e finanza sociale

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  • Lucia Poletti
  • Giulio Tagliavini

Abstract

La presenza di una sezione della popolazione esclusa dalla disponibilit? di credito finanziario o razionata in questo senso, condiziona lo sviluppo di una collettivit?. La funzione sociale della banca si connette a un filone di riflessione e studio che prende in considerazione le esternalit?. Le esperienze recenti e le innovazioni in corso di sviluppo sono assai promettenti nella direzione di potenziare ulteriormente la funzione sociale del banchiere. I modelli di welfare si stanno modificando, partendo da uno schema "distributivo" verso uno schema "generativo". Le soluzioni di social banking hanno la possibilit? di concretizzare impieghi di risorse pubbliche pi? efficaci rispetto ad interventi tradizionali, sostenendo lo sviluppo del territorio attraverso l?empowerment delle persone. Dopo una schematizzazione metodologica di tali strumenti, il contributo individua le principali modalit? di valutazione dell?impatto e propone alcune prime valutazioni di ranking delle alternative disponibili. Il ragionamento si snoda attraverso una riflessione sulla dinamica della "domanda", ossia il rafforzamento e la diffusione di situazioni di scarsa bancabilit?, e dell?offerta, ossia i risultati dell?innova-zione finanziaria che si riscontrano nell?esperienza nazionale e internazionale. Lo sviluppo della domanda, che si lega alle tendenze macroeconomiche e sociali del paese e dell?intero mondo industrializzato, consente una riflessione sulla generale sensibilit? culturale favorevole agli obiettivi sociali del credito, nel cui ambito in particolare si rafforza la microfinanza. Si sottolinea infine la necessit?, come presupposto all'impegno di rilevanti ririsorse, di una cultura della valutazione di impatto

Suggested Citation

  • Lucia Poletti & Giulio Tagliavini, 2015. "Welfare, occupazione e finanza sociale," QUADERNI DI ECONOMIA DEL LAVORO, FrancoAngeli Editore, vol. 2015(103), pages 261-283.
    • Handle: RePEc:fan:quaqua:v:html10.3280/qua2015-103012
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    References listed on IDEAS

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    1. Aaron Mehrotra & James Yetman, 2015. "Financial inclusion - issues for central banks," BIS Quarterly Review, Bank for International Settlements, March.
    2. Fabrizio Botti & Marcella Corsi, 2010. "A Social Performance Analysis of Italian Microfinance," Working Papers CEB 10-020.RS, ULB -- Universite Libre de Bruxelles.
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