FIS建议性工作计划 2010-8-23.pdfVIP

IADI Research and Guidance Committee Financial Inclusion Subcommittee (FIS) Proposed Work Plan August 23, 2010 Purpose The Financial Inclusion Subcommittee (FIS) of IADI’s Research and Guidance Committee (RGC) will provide a forum for IADI to focus on issues related to financial inclusion and deposit insurance and to formally engage on this topic with interested entities such as the Group of 20 (G-20) Financial Inclusion Experts Group (FIEG), its subgroups such as the Access Through Innovation Subgroup (ATISG), and other standard setting bodies (SSBs). Background In recent years, and particularly since the global financial crisis, there has been increased recognition of the critical role that explicit deposit insurance systems play not only in promoting public confidence in financial systems but in protecting unsophisticated and small depositors. It is well-acknowledged that deposit insurance, by virtue of its basic mission to protect the smallest of depositors, can and often does play a unique role in promoting financial inclusion.1 As acknowledged recently by the Group of 20 (G-20) Leaders’ Statement at the Pittsburgh Summit on 24-25 September 2009, over two billion adults around the world do not have access to formal or semi-formal financial services, most residing in Africa, Latin America, 2 Asia, and the Middle East. In many regions of the world, lack of 1 Financial Inclusion has been defined in a number of ways. Reserve Bank of India Deputy Governor K.C. Chakrabarty defined financial inclusion as “providing access to appropriate financial products and services to the most vulnerable group of the society in a fair, transparent and cost-effective manner by the mainstream financial institutions,” .in; /p/site/m/template.rc/1.1.5331/. Additional examples of definitions of financial inclusion can be f