Meer financiële participatie dringend gewenst

KUALA LUMPUR – Het toegankelijker maken van het financiële systeem voor de armste mensen in de wereld kan hun economische potentieel ontsluiten, hun levens verbeteren en de bredere economie ten goede komen. Daarom is het geen verrassing dat de openstelling van financiële instellingen voor de armen een belangrijke component van de publieke beleidsvorming is geworden. Centrale banken en toezichthouders in de hele wereld nemen het voortouw bij het tot een prioriteit maken hiervan, bovenop hun traditionele mandaat van het behoud van de monetaire en financiële stabiliteit.

Het bevorderen van de financiële participatie gaat over het bieden van kansen aan de 2,5 miljard niet van bankdiensten voorziene en financieel niet goed bediende mensen, zodat ze deel kunnen nemen aan het formele financiële systeem, en geholpen kunnen worden uit de armoede te komen en de economische mainstream binnen te dringen. Grotere financiële participatie leidt tot een samenhangender samenleving en een evenwichtiger groei en ontwikkeling.

Bovendien zullen de financiële systemen er zelf baat bij hebben als ze alomvattender en progressiever worden. De extra klanten die deelnemen aan het formele financiële systeem zullen de nationale economieën versterken en op hun beurt de mondiale economie verrijken. Naarmate de ontwikkelingslanden zich in de richting van een middeninkomensstatus begeven zal de financiële participatie een sleutelelement worden van hun blijvende vooruitgang.

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