以创新实现金融普惠

单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,1,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,2,Source:,Measuring Financial Access around the World,金融服务获取的全球图景,Global Map of the Financially Included,3,Source:,www.cgap.org/financialindicators,发展中国家在金融服务供给方面的差距,Access Gaps,for the developing countries,4,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,5,Source:,Oliver Wyman Analysis/Bill 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,”,6,7,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,8,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,9,Source:,Measuring Financial Access around the World,金融责任的三个维度,Three Dimensions of Responsible Finance,10,Source:,Towards Universal Access:,Addressing the Global Challenge of Financial Inclusion,11,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 around the World,12,技术图,Technology Map,机构,Institution,分支机构,Branches,网络连接,Connectivity,信息系统,Information,systems,信用评分,credit,scoring,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,POS,农村电脑站,PC kiosksin villages,一些国家拓展金融服务获取的做法,Recent Examples of Countries Advancing Full Financial Inclusion,13,Source:,Measuring Financial Access around the World,附录,Appendix,14,测度金融服务获取,主要的研究成果,Measuring Financial Access Key Existing Reports,15,Source:,Measuring Financial Access around the World,16,覆盖面指标，,2008,年,Outreach Indicators,，,2008,总贷款组合,17,覆盖面指标，,2008,年,Outreach Indicators,，,2008,活动借款人总数,未偿还贷款总额,18,覆盖面指标，,2008,年,Outreach Indicators,，,2008,每个借款者的平均贷款余额,平均未偿还余额数,每个借款者的平均贷款余额,/,人均国民收入,平均未偿还余额数,/,人均国民收入,19,经营性支出,/,贷款组合,人员支出,/,贷款组合,效率指标，,2008,年,Efficiency Indicators,，,2008,20,效率指标，,2008,年,Efficiency Indicators,，,2008,单笔贷款成本,单个借款人成本,21,效率指标，,2008,年,Efficiency Indicators,，,2008,微型金融机构中平均工资,/,人均国民收入,22,生产率指,标，,2008,年,Productivity,Indicators,，,2008,平均每个员工承担的借款人数,平均每个员工承担的单笔贷款数,每个信贷员承担的借款人数,每个信贷员承担的贷款数,23,融资,结构，,2008,年,Financing Structure,，,2008,资本,/,资产比率,负债,/,权益比率,存款,/,贷,款比,率,贷款组合,/,总资产比率,24,风险指,标，,2008,年,Risk,Indicators,，,2008,逾期超过,30,天的贷款比率,贷款拨备比率,25,业,绩指标，,2008,年,Performance,Indicators,，,2008,经营性可持续比率,财务可持续比率,26,机构总体特征，,2008,年,Institutional Characteristics,，,2008,网点数量,员工数量,27,赤贫,Destitute,极度贫困,ExtremePoor,中度贫困,ModeratePoor,边缘贫困,VulnerableNon-poor,非贫困,Non-poor,富裕,Wealthy,贫困线,Poverty Line,Source:Cohen,“The impact of Microfinance.”,小额金融的客户有多贫困？,How Poor Are Microfinance Clients?,28,金融服务提供组织类型,The Spectrum of Financial Service Providers,亲友,Friends&Family,放贷人,Moneylenders,滚动存款和信贷协会,ROSCAs,CVECAs,合作金融机构,Cooperative financial institutions,非政府组织,NGOs,非银行金融机构,NBFIs,国有银行，包括邮政储蓄银行,State-owned banks,including postal banks,存款收集人,Savings collectors,累积存款和信用协会,ASCAs,金融服务协会,FSAs,农村银行,Rural banks,商人,Traders,自助组织,SHGs,专业小额信贷银行,Specialized MF banks,提供各种业务的商业银行,Full-service commercial banks,非正规金融,Informal,基于成员参与,Member-based,非政府组织,NGOs,正规金融机构,Formal financial institutions,谢谢！,29,有任何问题和评论，欢迎联系,王君,jwang3worldbank.org,金融责任的三个维度,Three Dimensions of Responsible Finance,30,Source:,Towards Universal Access:,Addressing the Global Challenge of Financial Inclusion,