ABSTRACT

This paper aims to investigate the effect of financial inclusion on bank stability in ASEAN countries. FEM, threshold estimation, and GMM method, respectively. The findings show that financial inclusion decreases the stability of banks, but the influence varies between banks and market structures. Furthermore, we examine the impact of the financial inclusion threshold on bank stability. The results show countries with financial inclusion above the threshold will increase stability, whereas countries with financial inclusion below the threshold will decrease the bank’s strength. Research on the non-linear impact of financial inclusion on bank stability through threshold model.

摘要

本文旨在调查金融包容性对东盟国家银行稳定性的影响。分别是 FEM、阈值估计和 GMM 方法。研究结果表明，普惠金融会降低银行的稳定性，但影响因银行和市场结构而异。此外，我们研究了金融包容性门槛对银行稳定性的影响。结果表明，金融包容性高于阈值的国家将增加稳定性，而金融包容性低于阈值的国家将降低银行的实力。通过阈值模型研究普惠金融对银行稳定性的非线性影响。