世界银行-发展中国家家庭债务减免（英）-2024.6-33页

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2024-07-31
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PolicyResearchWorkingPaper10819DebtReliefforHouseholdsinDevelopingEconomiesSashaIndarteMartinKanzDevelopmentEconomicsDevelopmentResearchGroupJune2024PublicDisclosureAuthorizedPublicDisclosureAuthorizedPublicDisclosureAuthorizedPublicDisclosureAuthorizedProducedbytheResearchSupportTeamAbstractThePolicyResearchWorkingPaperSeriesdisseminatesthefindingsofworkinprogresstoencouragetheexchangeofideasaboutdevelopmentissues.Anobjectiveoftheseriesistogetthefindingsoutquickly,evenifthepresentationsarelessthanfullypolished.Thepaperscarrythenamesoftheauthorsandshouldbecitedaccordingly.Thefindings,interpretations,andconclusionsexpressedinthispaperareentirelythoseoftheauthors.TheydonotnecessarilyrepresenttheviewsoftheInternationalBankforReconstructionandDevelopment/WorldBankanditsaffiliatedorganizations,orthoseoftheExecutiveDirectorsoftheWorldBankorthegovernmentstheyrepresent.PolicyResearchWorkingPaper10819Householdsindevelopingeconomieshavegreateraccesstoformalcredittodaythanatanypointinhistory,owingtotheglobalexpansionofmicrofinanceandrecentinnova-tionsinconsumerfinance,suchasdigitallending.Althoughthishasimprovedtheabilitytosmoothconsumptionandinvestinproductiveactivities,ithasalsoraisedconcernsaboutover-indebtedness.Againstthisbackground,thispaperreviewsandextendstheliteratureondebtreliefforhouseholdsindevelopingcountri...

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