Finanzielle Inklusion jetzt

KUALA LUMPUR – Den Ärmsten weltweit Zugang zum Finanzsystem zu verschaffen, kann deren wirtschaftliches Potenzial freisetzen, ihr Leben verbessern und der Volkwirtschaft insgesamt zugutekommen. Es überrascht daher nicht, dass die finanzielle Inklusion der Armen zu einem wichtigen Aspekt öffentlicher Politik geworden ist. Zentralbanken und Aufsichtsbehörden weltweit haben – neben ihrem traditionellen Auftrag der Wahrung von Geld- und Finanzstabilität – eine Vorreiterrolle dabei inne, die finanzielle Inklusion zu einer Priorität zu machen.

Es geht bei der finanziellen Inklusion darum, jenen 2,5 Milliarden Menschen weltweit, die nicht über ein Bankkonto verfügen und die finanziell unzureichend betreut werden, eine Chance auf Teilnahme am offiziellen Bankensystem zu geben und so dazu beizutragen, sie aus der Armut zu befreien und wirtschaftlich zu integrieren. Ihre stärkere finanzielle Teilhabe verspricht einen stärkeren gesellschaftlichen Zusammenhalt und mehr Ausgewogenheit bei Wachstum und Entwicklung.

Zudem würden auch die Finanzsysteme selbst von einer stärkeren Ausweitung und mehr Fortschrittlichkeit profitieren. Die zusätzlichen Verbraucher, die am offiziellen Finanzsystem teilnehmen würden, würden die nationalen Volkswirtschaften stärken und so die Weltwirtschaft reicher machen. Tatsächlich ist die finanzielle Inklusion ein zentraler Aspekt des weiteren Fortschritts der Entwicklungsländer auf dem Weg zum Status von Ländern mittleren Einkommens.

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