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1、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,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
2、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 th
3、ose 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,marria
4、ge,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
5、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
6、 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Ca
7、rds,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
8、,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 Ind
9、icators，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,
10、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 impa
11、ct 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,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,
