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1、1以創(chuàng)新實現(xiàn)金融普惠FinancialInclusionthroughInnovation世界銀行,王君WangJun,WorldBank當前世界范圍內(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)展中國家在金融服務(wù)供給方面的差距AccessGapsforthedevelopingcountries4Sour
3、ce:WorldBankGroupFinancialAccessSurvey2009andWorldBankPaymentSystemsSurvey2008對于金融服務(wù)存在大量未滿足的需求UnmetdemandforFinancialServices5Source:OliverWymanAnalysis/Bill&MelindaGatesFoundation;CGAP.正確理解金融普惠(financialinclusion)“Astateinwhichallthosewhohaverealneedshaveaccesstoafullsui
4、teofqualityfinancialservices,providedataffordableprices,inaconvenientmanner,andwithdignityfortheclients?”“有真實需求的所有人，能夠以合理的價格，方便地和有尊嚴地獲取全面的，高質(zhì)量的金融服務(wù)”67貧困客戶需要多種類型的服務(wù)PoorClientsNeedaVarietyofServices教育、生育、結(jié)婚Education,birth,marriage安全的存款場所Safeplacetosave治病或其他緊急需求illnessandoth
5、eremergencies緊急需求貸款Loansforemergencyneeds流動資本W(wǎng)orkingcapital微小企業(yè)貸款Microenterpriseloans死亡，資產(chǎn)保護Death,assetprotection保險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)獲取的多個維度KeyDimensionsofFinancialInclusion8Source:MeasuringFina
6、ncialAccessaroundtheWorld達到金融獲取的目標——主要支柱ReachingtheFinancialInclusionTarget–KeyPillars9Source:MeasuringFinancialAccessaroundtheWorld金融責任的三個維度ThreeDimensionsofResponsibleFinance10Source:TowardsUniversalAccess:AddressingtheGlobalChallengeofFinancialInclusion11拓展金融獲取邊界的全球趨勢G
7、lobalTrendsShiftingtheFinancialInclusionFrontierForwardSource:MeasuringFinancialAccessaroundtheWorld12技術(shù)圖TechnologyMap機構(gòu)Institution分支機構(gòu)Branches網(wǎng)絡(luò)連接Connectivity信息系統(tǒng)Informationsystems信用評分creditscoring個人數(shù)字助理PDAs信用卡Cards移動電話Mobile Phones生物工程Biometrics客戶Clients電子取款機ATMs電子收款機PO
8、S農(nóng)村電腦站PCkiosks invillages一些國家拓展金融服務(wù)獲取的做法RecentExamplesofCountriesAdvancingFullFinancialInclusion
