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1、1以創(chuàng)新實(shí)現(xiàn)金融普惠FinancialInclusionthroughInnovation世界銀行,王君WangJun,WorldBank當(dāng)前世界范圍內(nèi)金融服務(wù)獲取的情況概覽CurrentMeasurementoftheUnbankedaroundtheWorldDatabaseDateEstimateofFinanciallyExcludedWBGFinancialAccess2009Report70%or2.7billionoftheadultpopulationMcKinney/FAIOctober2009Paper2.5billi
2、onoftheadultpopulationResearch:AsliDemirguc-Kunt,BeckandHonohan200770%ofthepopulation2Source:MeasuringFinancialAccessaroundtheWorld金融服務(wù)獲取的全球圖景GlobalMapoftheFinanciallyIncluded3Source:www.cgap.org/financialindicators發(fā)展中國(guó)家在金融服務(wù)供給方面的差距AccessGapsforthedevelopingcountries4Sour
3、ce:WorldBankGroupFinancialAccessSurvey2009andWorldBankPaymentSystemsSurvey2008對(duì)于金融服務(wù)存在大量未滿(mǎn)足的需求UnmetdemandforFinancialServices5Source:OliverWymanAnalysis/Bill&MelindaGatesFoundation;CGAP.正確理解金融普惠(financialinclusion)“Astateinwhichallthosewhohaverealneedshaveaccesstoafullsui
4、teofqualityfinancialservices,providedataffordableprices,inaconvenientmanner,andwithdignityfortheclients?”“有真實(shí)需求的所有人，能夠以合理的價(jià)格，方便地和有尊嚴(yán)地獲取全面的，高質(zhì)量的金融服務(wù)”67貧困客戶(hù)需要多種類(lèi)型的服務(wù)PoorClientsNeedaVarietyofServices教育、生育、結(jié)婚Education,birth,marriage安全的存款場(chǎng)所Safeplacetosave治病或其他緊急需求illnessandoth
5、eremergencies緊急需求貸款Loansforemergencyneeds流動(dòng)資本W(wǎng)orkingcapital微小企業(yè)貸款Microenterpriseloans死亡，資產(chǎn)保護(hù)Death,assetprotection保險(xiǎn)Insurance獲取親戚寄送資金Accesstofundssentbyrelatives匯款和轉(zhuǎn)帳RemittancesandTransfer老有所養(yǎng)Oldage養(yǎng)老金Pension金融服務(wù)獲取的多個(gè)維度KeyDimensionsofFinancialInclusion8Source:MeasuringFina
6、ncialAccessaroundtheWorld達(dá)到金融獲取的目標(biāo)——主要支柱ReachingtheFinancialInclusionTarget–KeyPillars9Source:MeasuringFinancialAccessaroundtheWorld金融責(zé)任的三個(gè)維度ThreeDimensionsofResponsibleFinance10Source:TowardsUniversalAccess:AddressingtheGlobalChallengeofFinancialInclusion11拓展金融獲取邊界的全球趨勢(shì)G
7、lobalTrendsShiftingtheFinancialInclusionFrontierForwardSource:MeasuringFinancialAccessaroundtheWorld12技術(shù)圖TechnologyMap機(jī)構(gòu)Institution分支機(jī)構(gòu)Branches網(wǎng)絡(luò)連接Connectivity信息系統(tǒng)Informationsystems信用評(píng)分creditscoring個(gè)人數(shù)字助理PDAs信用卡Cards移動(dòng)電話(huà)Mobile Phones生物工程Biometrics客戶(hù)Clients電子取款機(jī)ATMs電子收款機(jī)PO
8、S農(nóng)村電腦站PCkiosks invillages一些國(guó)家拓展金融服務(wù)獲取的做法RecentExamplesofCountriesAdvancingFullFinancialInclusion
