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世界银行发布的2012《全球金融包容性指数》(GlobalFindex)报告显示,全球3/4以上的穷人没有银行账户,这不仅在获取薪酬、缴纳费用、获得信贷等方面给他们造成了不便,也使他们脱贫及创业的机率大大降低。报告显示,中国是“金砖四国”中金融包容性最强的,其总人口中有64%的人在正规的金融机构建有账户。世行经济学家莱奥拉·克拉佩尔(LeoraKlapper)指出,造成“无银行账户”的主要原因除贫困外,还包括开户费用高、银行距离远以
The 2012 GlobalFindex report released by the World Bank shows that more than three-quarters of the world’s poor do not have bank accounts, which not only caused them inconveniences in getting pay, paying fees, getting credit, Their chance of getting out of poverty and starting a business is greatly reduced. The report shows that China is the most financially inclusive in the BRIC countries, with 64% of its population having accounts in formal financial institutions. World Bank economist Leora Clapper pointed out that the main causes of “bankless accounts” include, in addition to poverty, the high cost of opening an account and the long distance between banks