Los nexos entre las funciones del sistema financiero y la movilidad social

Gustavo A. Del Ángel Mobarak

doi:10.3989/arbor.2025.813.3025

Autores/as

Gustavo A. Del Ángel Mobarak Centro de Investigación y Docencia Económicas (CIDE) - Centro de Estudios Espinosa Yglesias (CEEY) https://orcid.org/0000-0003-3105-7838

DOI:

https://doi.org/10.3989/arbor.2025.813.3025

Palabras clave:

inclusión financiera, movilidad social, desarrollo, sistema financiero

Resumen

Este artículo argumenta que las funciones del sistema financiero, y por extensión la inclusión financiera, son elementos relevantes en los procesos de movilidad social; principalmente movilidad social intergeneracional, ya sea movilidad ascendente o prevenir movilidad descendente. El argumento central de este artículo es que el sistema financiero contribuye a la movilidad social ascendente a través de dos canales. El primero, permite generar inversión en capital humano a través de ahorro, acumulación de activos y protección ante riesgos. El segundo, es un ingrediente necesario para el emprendimiento. Este análisis permite vincular distintas áreas de investigación, la movilidad social, cuyos antecedentes provienen de la sociología y en el que la economía ha incursionado, y los estudios recientes de inclusión financiera. Esto nos permite crear un puente entre campos y disciplinas. Este trabajo provee evidencia empírica cuantitativa con un análisis descriptivo. Utilizando la encuesta ESRU EMOVI de México, se presenta evidencia para ese país de una relación positiva entre uso de servicios financieros y movilidad social intergeneracional ascendente.

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Citas

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