Samburu woman uses mobile phone in North Kenya before Lake Turkana Festival David Mbiyu/Getty Images

数字金融的希望

伯克利——经济发展革命其实就掌握在一只手上。随着手机和数字技术迅速传播到世界各地,尚未完全体现其对经济发展、特别是金融的影响。这一点越快发生变化,全世界民众受益的可能性就越大。

在今天的新兴经济体中, 20亿民众——占全部成年人口的45%——尚未在银行、金融机构或移动货币供应商处开立正式账户。“无银行账户率”在妇女、贫困及农村人口中实际更高。此外,至少2亿中小型企业缺乏足够的信贷,或根本没有接触信贷资源的渠道。

储蓄停留在金融系统之外会对创业、投资和经济增长造成损害,导致信贷资源变得昂贵而稀缺。幸运的是,根据麦肯锡全球研究所 最近发布的一份报告,从手机开始的数字技术可以迅速解决这个问题,从而促成速度更快、更具包容性的经济增长。

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