英文文献：The role of information sharing in modulating the effect of financial access on inequality-信息共享在调节金融获取对不平等的影响中的作用
英文文献作者：Vanessa S. Tchamyou
英文文献摘要：
This study examines the role of information sharing in modulating the effect of financial access on income inequality in 48 African countries for the period 2004-2014. Information sharing is proxied with private credit bureaus and public credit registries. All dynamics of financial development are taken into account, namely: depth (money supply and liquid liabilities), efficiency (at banking and financial system levels), activity (from banking and financial system perspective) and size. The empirical exercise is based on interactive Generalised Method of Moments. It can be established from the findings that: first, a threshold of 18.072 percentage coverage of public credit registries is needed to counteract the unconditional positive effect of banking system efficiency. Second, on the role of private credit bureaus in financial depth, both the unconditional and the conditional effects are negative; implying a negative synergy. Overall, the findings show that, contingent on the type of financial development dynamic, credit registries broadly play their theoretical role of decreasing financing constraints in order to ultimately reduce inequality.

本研究考察了2004-2014年期间，48个非洲国家的信息共享在调节金融获取对收入不平等的影响方面的作用。信息共享由私人征信机构和公共征信登记机构代理。金融发展的所有动态都被考虑在内，即:深度(货币供应和流动负债)、效率(在银行和金融系统层面)、活动(从银行和金融系统的角度)和规模。经验练习是基于互动广义矩法。从研究结果可以看出:首先，公共信贷登记覆盖率必须达到18.072个百分比的门槛，才能抵消银行系统效率的无条件积极影响。第二，在民间征信机构在金融深度中的作用上，无条件效应和条件效应都是消极的;暗示了消极的协同作用。总体而言，研究结果表明，根据金融发展动态的类型，信贷登记广泛地发挥其减少融资约束的理论作用，从而最终减少不平等。