以创新实现金融普惠ppt.pptVIP

* * * 以创新实现金融普惠Financial Inclusion through Innovation 世界银行, 王君 Wang Jun, World Bank 当前世界范围内金融服务获取的情况概览 Current Measurement of the Unbanked around the World Database Date Estimate of Financially Excluded WBG Financial Access 2009 Report 70% or 2.7 billion of the adult population McKinney / FAI October 2009 Paper 2.5 billion of the adult population Research: Asli Demirguc-Kunt, Beck and Honohan 2007 70% of the population * Source: Measuring Financial Access around the World 金融服务获取的全球图景 Global Map of the Financially Included * Source: /financialindicators 发展中国家在金融服务供给方面的差距Access Gaps for the developing countries * Source: World Bank Group Financial Access Survey 2009 and World Bank Payment Systems Survey 2008 对于金融服务存在大量未满足的需求 Unmet demand for Financial Services * Source: Oliver Wyman Analysis/ Bill Melinda Gates Foundation; CGAP. 正确理解金融普惠(financial inclusion) “A state in which all those who have real needs have access to a full suite of quality financial services, provided at affordable prices, in a convenient manner, and with dignity for the clients?” “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” * * 贫困客户需要多种类型的服务Poor Clients Need a Variety of Services 教育、生育、结婚Education, birth, marriage 安全的存款场所Safe place to save 治病或其他紧急需求illness and other emergencies 紧急需求贷款Loans for emergency needs 流动资本Working capital 微小企业贷款Microenterprise loans 死亡，资产保护Death, asset protection 保险Insurance 获取亲戚寄送资金Access to funds sent by relatives 汇款和转帐Remittances and Transfer 老有所养Old age 养老金Pension 金融服务获取的多个维度Key Dimensions of Financial Inclusion * Source: Measuring Financial Access around the World 达到金融获取的目标 ——主要支柱Reaching the Financial Inclusion Target – Key Pillars * Source: Measuring Financial Access around the World 金融责任的三个维度Three Dimensions of Responsible Finance * Source: Towards Universal Access: Addressing the Global Challenge of Financial Inclusion * 拓展金融获取边界的全球趋势Global Trends Shifting the Financial Inclusion Frontier Forward Source: Measuring Financial Access