以创新实现金融普惠

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1、1以创新实现金融普惠FinancialInclusionthroughInnovation世界银行,王君WangJun,WorldBank当前世界范围内金融服务获取的情况概览CurrentMeasurementoftheUnbankedaroundtheWorldDatabaseDateEstimateofFinanciallyExcludedWBGFinancialAccess2009Report70%or2.7billionoftheadultpopulationMcKinney/FAIOctober2009Paper2.5billi

2、onoftheadultpopulationResearch:AsliDemirguc-Kunt,BeckandHonohan200770%ofthepopulation2Source:MeasuringFinancialAccessaroundtheWorld金融服务获取的全球图景GlobalMapoftheFinanciallyIncluded3Source:www.cgap.org/financialindicators发展中国家在金融服务供给方面的差距AccessGapsforthedevelopingcountries4Sour

3、ce:WorldBankGroupFinancialAccessSurvey2009andWorldBankPaymentSystemsSurvey2008对于金融服务存在大量未满足的需求UnmetdemandforFinancialServices5Source:OliverWymanAnalysis/Bill&MelindaGatesFoundation;CGAP.正确理解金融普惠(financialinclusion)“Astateinwhichallthosewhohaverealneedshaveaccesstoafullsui

4、teofqualityfinancialservices,providedataffordableprices,inaconvenientmanner,andwithdignityfortheclients?”“有真实需求的所有人，能够以合理的价格，方便地和有尊严地获取全面的，高质量的金融服务”67贫困客户需要多种类型的服务PoorClientsNeedaVarietyofServices教育、生育、结婚Education,birth,marriage安全的存款场所Safeplacetosave治病或其他紧急需求illnessandoth

5、eremergencies紧急需求贷款Loansforemergencyneeds流动资本Workingcapital微小企业贷款Microenterpriseloans死亡，资产保护Death,assetprotection保险Insurance获取亲戚寄送资金Accesstofundssentbyrelatives汇款和转帐RemittancesandTransfer老有所养Oldage养老金Pension金融服务获取的多个维度KeyDimensionsofFinancialInclusion8Source:MeasuringFina

6、ncialAccessaroundtheWorld达到金融获取的目标——主要支柱ReachingtheFinancialInclusionTarget–KeyPillars9Source:MeasuringFinancialAccessaroundtheWorld金融责任的三个维度ThreeDimensionsofResponsibleFinance10Source:TowardsUniversalAccess:AddressingtheGlobalChallengeofFinancialInclusion11拓展金融获取边界的全球趋势G

7、lobalTrendsShiftingtheFinancialInclusionFrontierForwardSource:MeasuringFinancialAccessaroundtheWorld12技术图TechnologyMap机构Institution分支机构Branches网络连接Connectivity信息系统Informationsystems信用评分creditscoring个人数字助理PDAs信用卡Cards移动电话MobilePhones生物工程Biometrics客户Clients电子取款机ATMs电子收款机PO

8、S农村电脑站PCkiosksinvillages一些国家拓展金融服务获取的做法RecentExamplesofCountriesAdvancingFullFinancialInclusion