Name: 為什麼普惠金融是建設包容性經濟的關鍵？ (Why financial inclusion is key to building an inclusive economy)
Uploaded: 2025-05-09T15:38:09.000Z
Duration: 4 min 39 s

Today, the basic resources and systems people need to achieve economic prosperity, like quality education and affordable housing and financial services, are not accessible to all that seek them out.

如今，人們實現經濟繁榮所需的基本資源和系統，如優質教育、負擔得起的住房和金融服務，並非所有尋求者都能獲得。

基礎被動語態

This means billions of people around the world are left struggling to meet basic needs.

這意味著全世界有數十億人要為滿足基本需求而掙扎。

程度副詞

Our economy, which has so much wealth in it and has so much, um, dynamism to it, needs to be restructured and reorganized so that people, all people, can create the lives they seek.

我們的經濟擁有如此多的財富和如此多的活力，需要進行結構調整和重組，以便所有人都能創造他們所追求的生活。

Financial systems are critical infrastructure in economies, when people have access to safe and affordable financial services, they can make payments, save money for the future, and take advantage of loans, and that opens doors to entrepreneurship and economic participation.

金融系統是經濟體中至關重要的基礎設施，當人們能夠獲得安全和負擔得起的金融服務時，他們就可以支付款項、為未來儲蓄資金和利用貸款，從而為創業和參與經濟活動打開大門。

While access to financial services has been on the rise over the past decade, 1.4 billion people around the world are still unbanked, meaning they don't have an account at a formal financial institution.

在過去十年中，雖然獲得金融服務的機會不斷增加，但全球仍有 14 億人沒有銀行賬戶，這意味著他們沒有正規金融機構的賬戶。

Women make up 55% of the world's unbanked adults.

在全世界沒有銀行賬戶的成年人中，女性佔 55%。

They're living in a cash world, if we can bring them in and help them benefit from the digital economy, and then with data and data analytics, we can really match the right financial tools that will really improve their lives a lot.

他們生活在現金世界裡，如果我們能把他們帶進來，幫助他們從數字經濟中獲益，然後利用數據和數據分析，我們就能真正匹配合適的金融工具，從而真正改善他們的生活。

Access to bank accounts is a place to start, designing products and services for inclusion can ensure people and small businesses are able to use financial services to improve their financial health and build wealth over time.

獲得銀行賬戶是一個起點，設計具有包容性的產品和服務可以確保人們和小企業能夠利用金融服務改善其財務狀況，並隨著時間的推移積累財富。

For example, Accion and the Mastercard Center for Inclusive Growth have partnered with financial service providers to connect more than 5 million micro and small business owners to new digital tools, allowing them to save, make payments, and access capital.

例如，Accion 和萬事達卡包容性增長中心與金融服務提供商合作，將 500 多萬微型和小型企業業主與新的數字工具聯繫起來，使他們能夠儲蓄、支付和獲取資金。

Many governments around the world have established national financial inclusion initiatives to try to address the structural barriers that exclude certain groups from the formal financial system.

世界上許多國家的政府都制定了國家普惠金融倡議，試圖解決將某些群體排除在正規金融體系之外的結構性障礙。

Some countries, like India, have made real progress, India's experience indicates really how quickly things can, can change, in a period of eight years, we've gone from 35% to 80% of adults having bank accounts.

一些國家，如印度，已經取得了真正的進步，印度的經驗表明，事情可以變化得多麼快，在八年的時間裡，我們已經從 35% 的成年人擁有銀行賬戶上升到 80%。

Between 2011 and 2017, savings in financial institutions increased from 12 to 20%, and credit and debit card ownership quadrupled from 9 to 34%.

2011 年至 2017 年間，在金融機構的儲蓄從 12% 增加到 20%，信用卡和借記卡的擁有率翻了兩番，從 9% 增加到 34%。

But some segments of the population are still lagging behind, such as women, those with primary education or less, and people living in rural areas.

但是，有些人群仍然落在後面，如婦女、小學及以下學歷者和農村地區居民。

In the biggest economy in the world, the United States, financial systems are more accessible than ever, yet they remain inequitable and inefficient, in the US, only 30% of people actually are financially healthy.

在世界上最大的經濟體美國，金融體系比以往任何時候都更加便捷，但它們仍然不公平且效率低下，在美國，只有 30% 的人真正擁有健康的財務狀況。

That means 176 million Americans basically are vulnerable.

這意味著有 1.76 億美國人基本上處於弱勢。

For example, black and Hispanic households are more likely to turn to high cost financial services, such as payday lenders and check cashers, due to a lack of access to affordable financial services.

例如，由於無法獲得負擔得起的金融服務，黑人和西班牙裔家庭更有可能求助於發薪日貸款機構和支票兌現機等高成本金融服務。

If the African-Americans were fully banked like everyone else, that would be another one to one and a half trillion dollars of GDP.

如果非裔美國人也能像其他人一樣完全存入銀行，那將又是一到一萬五千億美元的國內生產總值。

A number of organizations, including the Aspen Institute and its partners, are now calling for a national coordinated financial inclusion strategy for the United States.

包括阿斯彭研究所及其合作伙伴在內的一些組織目前正在呼籲美國製定一項全國協調的金融普惠戰略。

This is an issue that crosses partisan lines, crosses economic lines, um, crosses sectors, we have um organizations ranging from big private sector companies all the way through to nonprofit organizations coming together to realize that in order to create um an inclusive financial system, the one that we all believe in, um, we have to have a national financial inclusion strategy.

這是一個跨黨派、跨經濟領域、跨行業的問題，我們有各種組織，從大型私營企業一直到非營利組織，共同認識到，為了創建我們都相信的包容性金融體系，我們必須制定一項國家包容性金融戰略。

Financial inclusion is essential to build strong, inclusive economies, if we can make the systemic changes needed to turn the idea of an inclusive economy into a reality, we'll begin to see real, meaningful change in people's lives.

如果我們能夠進行必要的系統性變革，將包容性經濟的理念變為現實，我們就能開始看到人們的生活發生真正有意義的變化。

To find out more about how financial inclusion is helping to build stronger and more inclusive economies around the world, visit Aspeninstitute.org/apie.

欲瞭解更多有關普惠金融如何幫助世界各地建立更強大、更具包容性的經濟的資訊，請訪問 Aspeninstitute.org/apie。

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為什麼普惠金融是建設包容性經濟的關鍵？ (Why financial inclusion is key to building an inclusive economy)

vulnerable

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essential

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