Библиометрический анализ исследований трансмиссии доходов домашних хозяйств через банковскую систему

Цель исследования – Выявить современное состояние, динамику и основные направления исследований в области трансмиссии доходов домашних хозяйств через банковскую систему, а также определить перспективные направления дальнейших исследований.

Методология – В рамках исследования проведен библиометрический анализ научных публикаций, посвящённых трансмиссии доходов домашних хозяйств через банковскую систему. В качестве основной базы данных использована Scopus. В выборку включены 54 научные публикации, отобранные по ключевым терминам, связанным с домохозяйствами, доходами домашних хозяйств, банками и трансмиссией доходов. Для анализа публикационной активности, цитируемости, структуры и динамики научных исследований, а также визуализации взаимосвязей между исследовательскими направлениями использованы инструменты Scopus, VOSviewer и ATLAS.ti.

Результаты исследования – Выявлены основные тенденции развития научных исследований в области трансмиссии доходов домашних хозяйств через банковскую систему, наиболее цитируемые публикации и авторы, а также ключевые исследовательские направления. Проведенный анализ позволил определить структуру и динамику научного дискурса и обозначить перспективные направления дальнейших исследований.

Научная ценность исследования заключается в систематизации и структурировании научных публикаций по проблематике трансмиссии доходов домашних хозяйств через банковскую систему, выявлении ключевых исследовательских направлений и определении перспектив развития данного научного направления. Полученные результаты могут служить основой для дальнейших теоретических и эмпирических исследований взаимосвязи банковской системы, доходов домашних хозяйств и социально-экономического развития.

1. United Nations. Sustainable Development Goals [Электронный ресурс]. – Режим доступа: https://sdgs.un.org/goals.

2. Послание Главы государства Касым-Жомарта Токаева народу Казахстана «Справедливый Казахстан: закон и порядок, экономический рост, общественный оптимизм» от 2 сентября 2024 года [Электронный ресурс]. – Режим доступа: официальный сайт Президента Республики Казахстан.

3. Demirgüç-Kunt A., Klapper L. F. Measuring financial inclusion: The Global Findex Database // Labor: Demographics & Economics of the Family eJournal. – 2012. – https://doi.org/10.1596/1813-9450-6025.

4. Solo T., Manroth A. Access to financial services in Colombia: The unbanked in Bogota // World BankPolicy Research Working Paper Series. – 2006. – https://doi.org/10.1596/1813-9450-3834.

5. Beck T., Beck T., Brown M. Which households use banks? Evidence from the transition economies //SSRN Electronic Journal. – 2011. – https://doi.org/10.2139/ssrn.1761435.

6. Kast F., Pomeranz D. Saving more to borrow less: Experimental evidence from access to formal savingsaccounts in Chile // NBER Working Paper Series. – 2014. – https://doi.org/10.2139/ssrn.2451036.

7. Callen M., d. Mel S., Mcintosh C., Woodruff C. What are the headwaters of formal savings? Experimentalevidence from Sri Lanka // Banking & Insurance eJournal. – 2014. – https://doi.org/10.3386/W20736.

8. Iddrisu A., Danquah M. The welfare effects of financial inclusion in Ghana: An exploration based ona multidimensional measure of financial inclusion // WIDER Working Paper. – 2021. – https://doi.org/10.35188/unu-wider/2021/086-3.

9. Jin S., Gan C., Anh D. L. T. Financial inclusion toward economic inclusion: Empirical evidence from China’srural household // Agricultural Finance Review. – 2024. – https://doi.org/10.1108/afr-09-2023-0121.

10. Vo D., Lang N. D. The effect of financial inclusion on household wealth in Vietnam: Do female-headedhouseholds benefit more? // SAGE Open. – 2025. – Vol. 15. – https://doi.org/10.1177/21582440251360499.

11. Bynajankar R., Adhikari S. R., Khan M. M. Financial inclusion and living standards: Evidence fromNepal // Oxford Development Studies. – 2025. – Vol. 53. – P. 286–304. – https://doi.org/10.1080/13600818.2025.2507252.

12. Chen Y., Huang R., Zhang Y., Shuai Q. The impact of digital transformation of commercial banks onhousehold income: Evidence from China // PLOS ONE. – 2024. – Vol. 19. – https://doi.org/10.1371/journal.pone.0310277.

13. Ozili P. K. Financial inclusion: Globally important determinants // Financial Internet Quarterly. – 2021. – Vol. 17. – P. 1–11. – https://doi.org/10.2478/fiqf-2021-0023.

14. Carvalho C. M., Pasca N. M. C., Souza L., Zilberman E. Macroeconomic effects of credit deepening inLatin America // Macroeconomics: Prices. – 2015. – https://doi.org/10.2139/ssrn.2503755.

15. Lee S., Luetticke R., Ravn M. O. Financial frictions: Micro vs macro volatility // SSRN ElectronicJournal. – 2021. – https://doi.org/10.2139/ssrn.3979318.

16. Breza E., Kanz M., Klapper L. F. Learning to navigate a new financial technology: Evidence frompayroll accounts // PSN: Financial Institutions (Topic). – 2020. – https://doi.org/10.3386/w28249.

17. Somville V., Vandewalle L. Access to banking, savings and consumption smoothing in rural India //SSRN Electronic Journal. – 2019. – https://doi.org/10.2139/ssrn.4162439.

18. Somville V., Vandewalle L. Saving by default: Evidence from a field experiment in rural India //American Economic Journal: Applied Economics. – 2018. – https://doi.org/10.1257/APP.20160547.

19. Demirguc-Kunt A., Klapper L. F., Singer D., Ansar S., Hess J. The Global Findex Database 2017: Measuring financial inclusion and the fintech revolution. – 2018. – https://doi.org/10.1596/978-1-4648-1259-0.

20. Kochaniak K. Are incomes a key determinant of the levels of household sight deposits during a financialmarket downturn? The case of the eurozone countries // Argumenta Oeconomica. – 2019. – https://doi.org/10.15611/aoe.2019.2.01.

21. Caselli M., Somekh B. Access to banking and the role of inequality and the financial crisis // The B.E.Journal of Economic Analysis & Policy. – 2021. – Vol. 21. – P. 1373–1410. – https://doi.org/10.1515/bejeap-2020-0421

22. Son T. H., Liem N., Ly H. T. N. Understanding financial inclusion in Vietnam // Research in WorldEconomy. – 2019. – https://doi.org/10.5430/rwe.v10n3p382.

23. Thermadam S. Financial inclusion in India // Artha Journal of Social Sciences. – 2020. – https://doi.org/10.12724/ajss.53.3.

24. Khanh L. C. Determinants of financial inclusions: Comparing high, middle, and low-income countries// Political Economy – Development: International Development Efforts & Strategies eJournal. – 2019. – https://doi.org/10.2139/ssrn.3349933.

25. Dagnachew T. G., Mawugatie T. The analysis of financial inclusion and its determinants in the ruralarea of South Wollo Zone, Amhara Region, Ethiopia // Cogent Economics & Finance. – 2022. – Vol. 10. – https://doi.org/10.1080/23322039.2022.2146298.

26. Mohammady K., Vepa S. Determinants of formal financial services utilization in Afghanistan //Accounting and Finance Studies. – 2025. – https://doi.org/10.47153/afs52.15572025.

27. Rodríguez-Pose A., Sandu A. Banking on trust: Institutional trust and the geography of financialexclusion in Central and Eastern Europe // Environment and Planning A: Economy and Space. – 2025. – Vol. 57. – P. 921–948. – https://doi.org/10.1177/0308518X251350433.

28. Célérier C., Matray A. Bank-branch supply, financial inclusion, and wealth accumulation // The Reviewof Financial Studies. – 2019. – https://doi.org/10.1093/rfs/hhz046.

29. Naz M., Iftikhar S. F., Fatima A. Formal financial penetration and households’ welfare in Pakistan. –2020. – 2050041. – https://doi.org/10.1142/S2424786320500413.

30. Mel S. d., Mcintosh C., Sheth K., Woodruff C. Can mobile-linked bank accounts bolster savings? Evidence from a randomized controlled trial in Sri Lanka // Review of Economics and Statistics. – 2018. – Vol. 104. – P. 306–320. – https://doi.org/10.1162/rest_a_00956.

31. Li H. Impact of digital inclusive finance on household formal credit: Evidence from China HouseholdFinance Survey // Journal of Applied Finance & Banking. – 2023. – https://doi.org/10.47260/jafb/1369.

32. Gosztonyi M., Havran D. Highways to hell? Paths towards the formal financial exclusion: Empiricallessons of the households from Northern Hungary // The European Journal of Development Research. – 2021. – Vol. 34. – P. 1573–1606. – https://doi.org/10.1057/s41287-021-00434-9.

33. Arestis P., Corrado G., Corrado L. Shocks, financial constraints and households’ consumption amid theGreat Recession // Panoeconomicus. – 2021. – https://doi.org/10.2298/PAN2101001A.

34. Baker S., Kueng L. Household financial transaction data // SSRN Electronic Journal. – 2021. – https://doi.org/10.3386/W29027.

35. Baker S. Debt and the response to household income shocks: Validation and application of linkedfinancial account data // Journal of Political Economy. – 2018. – Vol. 126. – P. 1504–1557. – https://doi.org/10.1086/698106.

36. Gelman M., Kariv S., Shapiro M., Silverman D., Tadelis S. Harnessing naturally occurring data tomeasure the response of spending to income // Science. – 2014. – Vol. 345. – P. 212–215. – https://doi.org/10.1126/science.1247727.

37. Agarwal S., Qian W. Consumption and debt response to unanticipated income shocks: Evidence from anatural experiment in Singapore // Submissions. – 2014. – https://doi.org/10.2139/ssrn.2245351.

38. Agarwal S., Chomsisengphet S., Yildirim Y., Zhang J. Interest rate pass-through and consumptionresponse: The deposit channel // Review of Economics and Statistics. – 2020. – Vol. 103. – P. 922–938. – https://doi.org/10.1162/rest_a_00941.

39. Gumata N., Ndou E. How does a tight monetary policy shock affect the household sector intermediation?Evidence from households’ flow-of-funds data. – 2021. – P. 497–519. – https://doi.org/10.1007/978-3030-66340-7_34.

40. Castrén O., Kavonius I. K., Kavonius I. K. Balance sheet interlinkages and macro-financial risk analysisin the euro area // SSRN Electronic Journal. – 2009. – https://doi.org/10.2139/ssrn.1516167.

41. Li B. The impact of the Basel III liquidity coverage ratio on macroeconomic stability: An agent-based approach // European Economics: Macroeconomics & Monetary Economics eJournal. – 2017. – https://doi.org/10.2139/ssrn.2897238.

42. Papadopoulos G. Probing the mechanism: Lending rate setting in a data-driven agent-based model //SSRN Electronic Journal. – 2019. – https://doi.org/10.2139/ssrn.4198056.

43. Lengnick M., Krug S., Wohltmann H. Money creation and financial instability: An agent-based creditnetwork approach // Economics. – 2013. – Vol. 7. – https://doi.org/10.5018/economics-ejournal.ja.2013-32.

44. Byrialsen M., Raza H. An empirical stock-flow consistent macroeconomic model for Denmark //Macroeconomics: Aggregative Models eJournal. – 2020. – https://doi.org/10.2139/ssrn.3515450.