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Addressing Financial Exclusion in France and India
[S’attaquer à l’exclusion financière en France et en Inde]

Author

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  • Tara Nair

    (Gujarat Institute of Development Research)

Abstract

Malgré les différences importantes quant à la couverture des comptes bancaires, l'Inde et la France ont été victimes de l'exclusion de larges segments de la population des services bancaires et financiers. Alors que l'Inde tente d'accélérer le rythme de couverture des comptes bancaires par le biais de plusieurs initiatives, la France s'efforce de combler le fossé entre la couverture étendue des comptes bancaires et l'accès limité aux services bancaires grâce à des arrangements institutionnels au sein et en dehors du secteur bancaire. En Inde, les politiques récentes ont ouvert des voies aux acteurs de la microfinance et aux entreprises axées sur la technologie pour faire partie de la campagne d'intégration financière. La tendance à une plus grande participation du secteur privé aux activités financières est également visible en France, en dépit de la riche histoire des approches solidaires de l'inclusion sociale et du droit constitutionnel accordé à ses citoyens de détenir des comptes bancaires. L'expérience de la France montre clairement qu'assurer le droit d'avoir des comptes bancaires personnels ne conduira pas à un système bancaire inclusif ou à une capacité financière accrue des individus, en particulier des personnes économiquement vulnérables.

Suggested Citation

  • Tara Nair, 2017. "Addressing Financial Exclusion in France and India [S’attaquer à l’exclusion financière en France et en Inde]," Working Papers halshs-01451918, HAL.
    • Handle: RePEc:hal:wpaper:halshs-01451918
    Note: View the original document on HAL open archive server: https://shs.hal.science/halshs-01451918v2
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    References listed on IDEAS

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    1. Ministry of Finance, Government of India,, 2016. "Economic Survey 2015-16," OUP Catalogue, Oxford University Press, number 9780199469284.
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    3. Development Services, ACCESS & Nair, Tara S, 2014. "Inclusive Finance India Report 2014," OUP Catalogue, Oxford University Press, number 9780199458295.
    4. Philippe Aghion & Patrick Bolton, 1997. "A Theory of Trickle-Down Growth and Development," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 64(2), pages 151-172.
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    6. Demirguc-Kunt,Asli & Klapper,Leora & Singer,Dorothe & Van Oudheusden,Peter, 2015. "The Global Findex Database 2014 : measuring financial inclusion around the world," Policy Research Working Paper Series 7255, The World Bank.
    7. Georges Gloukoviezoff, 2007. "From Financial Exclusion to Overindebtedness: the Paradox of Difficulties for People on Low Incomes?," Springer Books, in: Luisa Anderloni & Maria Debora Braga & Emanuele Maria Carluccio (ed.), New Frontiers in Banking Services, chapter 5, pages 213-245, Springer.
    8. Ministry of Finance, Government of India,, 2012. "Economic Survey 2011-12," OUP Catalogue, Oxford University Press, number 9780198085515.
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    Cited by:

    1. Reboul, E. & Guérin, I. & Nordman, C.J., 2021. "The gender of debt and credit: Insights from rural Tamil Nadu," World Development, Elsevier, vol. 142(C).
    2. Isabelle Guérin & Christophe Nordman & Elena Reboul, 2019. "The gender of debt and the financialisation of development. Insights from rural southern India," Working Papers CEB 19-016, ULB -- Universite Libre de Bruxelles.
    3. Guilhem Fabre, 2018. "China's digital transformation. Why is artificial intelligence a priority for chinese R&D? [La transformation numérique de la Chine : pourquoi l'intelligence artificielle est-elle devenue une prior," Working Papers halshs-01818508, HAL.

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    Keywords

    India; financial exclusion; banks; indebtedness; Inde; France; exclusion financière; banques; microcrédit; endettement;
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