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1、FINANCIALINCLUSION,REGULATION,ANDEDUCATIONAsianPerspectivesFinancialinclusionisreceivingincreasingattentionashavingthepotentialtocontributetoeconomicandfinancialdevelopment,whileatthesametimefosteringmoreinclusivegrowthandgreaterincomeequality.However,althoughsub
2、stantialprogresshasbeenmade,thereisstillmuchtoachieve.EastAsia,thePacific,andSouthAsiacombinedaccountfor55%oftheworld’sunbankedadults,mainlyinIndiaandthePeople’sRepublicofChina.ThisbooksurveystheexperienceofsomedevelopedandAsianemergingeconomiestoassessfactorsaec
3、tingtheabilityoflow-incomehouseholdsandsmallfirmstoaccessfinancialservices,includingfinancialliteracy,financialeducationprograms,andfinancialregulatoryframeworks,andidentifypoliciesthatcanimprovetheirfinancialAsianPerspectivesFINANCIALINCLUSION,REGULATION,ANDEDUCATION
4、accesswhilemaintainingfinancialstability.Itidentifiessuccessfulexperiencesandimportantlessonsthatcanbeadoptedbyotheremergingeconomies.ThestudiescovertheexperiencesofGermany,theUnitedKingdom,Bangladesh,India,Indonesia,thePhilippines,SriLanka,andThailand.Thebooktake
5、sapracticalandholisticapproachtoissuesrelatedtofinancialFINANCIALINCLUSION,inclusion.Forexample,innovativemethodsofpromotingfinancialaccess,suchasmobilephonebankingandmicrofinance,requirecorrespondinginnovationsinREGULATION,ANDregulatoryframeworks,perimeters,andcap
6、acity.Moreover,programsintheareasoffinancialeducationandconsumerprotectionareneededtoenablehouseholdsandsmallfirmstotakefulladvantageofimprovementsinfinancialaccess.EDUCATIONAsianPerspectivesAbouttheAsianDevelopmentBankInstituteTheAsianDevelopmentBankInstitute,loca
7、tedinTokyo,isthethinktankoftheAsianDevelopmentBank.TheinstituteaimstoidentifyeectivestrategiestoimprovepolicyanddevelopmentmanagementinAsiaandthePacific.WeworkEDITEDBYNAOYUKIYOSHINOANDPETERJ.MORGANwithanextensivenetworkofpartnersintheregionandgloballytoinfluencepo
8、liciesonpovertyreduction,inclusivegrowth,theenvironment,regionalcooperation,infrastructuredevelopment,middle-incomecountries,andprivatesectordevelopment.ASIANDEVELOPM
