La inclusión financiera no puede esperar

KUALA LUMPUR – Poner el sistema financiero al alcance de los más pobres del mundo puede liberar su potencial económico y mejorar sus vidas, además de beneficiar a la economía en su conjunto. Por eso a nadie sorprende que la inclusión financiera de los pobres se haya convertido en un elemento importante dentro de la definición de políticas públicas. En todo el mundo, bancos centrales y autoridades reguladoras se han adelantado a añadir la inclusión financiera a la lista de sus prioridades, junto con sus responsabilidades tradicionales de mantener la estabilidad monetaria y financiera.

La inclusión financiera consiste en darles a 2.500 millones de personas no bancarizadas y con acceso insuficiente a servicios financieros una oportunidad de participar en el sistema financiero formal, lo que los ayudaría a salir de la pobreza e integrarse al sistema económico. Una mayor inclusividad del sistema financiero puede crear una sociedad más integrada y un modo de crecimiento y desarrollo más equilibrado.

Además, los sistemas financieros también saldrán beneficiados si amplían su alcance y se vuelven más progresistas. El ingreso de más consumidores al sistema financiero formal fortalecerá las economías nacionales y, a su vez, enriquecerá la economía mundial. De hecho, a medida que los países en desarrollo van alcanzando niveles de ingresos medios, la inclusión financiera es un elemento clave para que el progreso no se detenga.

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