Inclusão financeira, agora!

KUALA LUMPUR – Tornar o sistema financeiro acessível às pessoas mais pobres do mundo pode desbloquear o seu potencial económico, melhorar as suas vidas e beneficiar a economia em geral. Então não é surpresa para ninguém que a inclusão financeira dos pobres se tenha tornado num importante componente da formulação de políticas públicas. Os bancos centrais e os reguladores de todo o mundo estão a tomar a liderança em fazer da inclusão financeira uma prioridade, além dos seus mandatos tradicionais de manutenção da estabilidade monetária e financeira.

A inclusão financeira significa dar uma oportunidade aos 2,5 mil milhões de pessoas “sem- banco” (pessoas sem acesso a serviços bancários) e financeiramente carentes, que existem no mundo, de participarem no sistema financeiro formal, ajudando-os assim a saírem da pobreza e a entrarem no mundo económico. Uma maior inclusão financeira promete uma sociedade mais coesa e um crescimento e desenvolvimento mais equilibrados.

Além disso, os próprios sistemas financeiros têm benefícios por se tornarem mais abrangentes e progressivos. Os outros consumidores que participam do sistema financeiro formal irão fortalecer as economias nacionais e, por sua vez, enriquecer a economia mundial. Na verdade, à medida que os países em vias de desenvolvimento caminham em direcção a um estatuto de rendimento médio, a inclusão financeira é um componente chave do progresso contínuo.

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