Financial Inclusion and Climate Change

Data provided here is necessary to reproduce results presented in "Financial Inclusion Helps Rural Households Address Climate Risk" by Ashwini Chhatre, Prachi Deuskar, Javed Mohib, and Deepanshi Bhardwaj. Our results show that households facing high climate risks hold a higher proportion of assets in liquid form. Access to formal financial services, however, reduces the need to keep liquid assets to be able to respond to high climate variability. Financial inclusion cuts the need for cash-like assets to face climate risk, freeing funds for adaptation to climate change. 'Readme.txt' provides information on the different elements of the data used in the analysis.

本文提供的数据可用于复现Ashwini Chhatre、Prachi Deuskar、Javed Mohib与Deepanshi Bhardwaj合著的论文《金融普惠助力农村家庭应对气候风险》（Financial Inclusion Helps Rural Households Address Climate Risk）中的研究结果。本研究结果表明，面临较高气候风险的家庭，其流动性资产在总资产中的占比更高。不过，获取正规金融服务，能够降低家庭为应对剧烈气候波动而持有流动性资产的必要性。金融普惠可减少家庭为应对气候风险而持有类现金资产的需求，进而释放资金用于气候变化适应工作。《Readme.txt》文件详细说明了本分析所用数据集的各组成内容。