Transcription of 二十国集团数字普惠金融高级原则 - pbc.gov.cn
1 G20 High-Level Principles for Digital Financial Inclusion . G20 GPFI .. G20 G20 .. G20 .. GPFI Maxima . GPFI . GPFI Douglas Pearce . GPFI . - AFI . Norbert Mumba Robin Newnham Kennedy Komba . - Better Than Cash Alliance . Ruth Goodwin-Groen Ros Grady . - CYFI . Bianca Isaincu . - CGAP . Timothy Lyman IvoJenik . - IFAD . Pedro de Vasconcelos Michael Hamp . - IFC . Martin Holtmann MominaAijazuddin Loretta Michaels . - OECD . Andr Laboul Flore-Anne Messy . - People's Bank of China .. - SME Finance Forum . Matthew Gamser . - World Bank . Douglas Randall Lois Quinn Solvej Krause . GPFI . Bill and Melinda Gates Foundation.
2 GSMA . Institute of International Finance . Katharina Spiess Aysen Kulakoglu GPFI GPFI GPFI .. G20 . G20. G20 .. 2016 G20 .. G20 G20 .. G20 .. 2030 G20 . LIDCs . | i .. G20 2016 9 4-5 . GPFI G20 G20. G20 .. GPFI 2017 .. G20 2016 7 23-24 .. G20 . 20 .. 2010 G20 . 2016 G20 .. G20 .. G20 .. | 1.. Sudipto Das . G20 . G20 G20 .. G20 .. 2016 G20 GPFI . GPFI . ' .. 1.. 2. 2010 G20 3 . 2010 G20 GPFI.. | 3.. G20 .. 4 .. CPMI . WBG 2016 5. PAFI PAFI .. 6. 2014 GPFI . 2015 GPFI 7 .. | 7. 8 | G20 .. 8 .. 9 . 1 .. 2 .. 10.. 11 .. 12. PAFI GPFI .. 13 .. / .. 14.. | 9. 10 | G20 .. G20 .. , .. 15 .. 16 . GPFI . 17 , GPFI.
3 18.. 2014 G20 .. 19.. 20 .. 21 .. / .. | 11. 12. 12 || G20 . G20 .. / .. ( . ) .. G20 .. 22 .. PAFI . 23.. ATM POS .. / .. 24.. | 13. 14 | G20 .. 25.. 26. ICCR .. 27 .. 28 .. | 15. 16 | G20 .. 1 . 2 . 3 . 4 5 . 6 . 7 .. 24 .. 29 .. 30 .. 31.. PAFI . 2014 . 32 2015 . 33 . G20 2012 OECD/INFE . 34.. | 17. 18 | G20 .. 15 .. 35 .. 36.. | 19. 20 | G20 .. FATF) . 37.. 38 PAFI .. | 21. Hogoro . Jake Lyell/Alamy .. 1. 2016 GPFI . 2016 3 46 . ( financial-inclusion-evolving-landscape ) 8 . 46 . ( 2. 2014 GPFI . 1 2 . ( for%20 GPFI%20 BIS%20 Conference%20on%20 Digital%20 Financial%20. ) CPMI 2016 . PAFI 13 47.
4 ( ) . 3. G20 2010 G20 . HLPs 2010 G20 . 2010 G20 .. 2010 G20 .. 2010 G20 .. 2010 G20 .. 2010 G20 .. 2010 G20 .. 2010 G20 .. 2010 G20 .. 4. 2015 G20/GPFI .. Solution%20to%20 Advance% . | 23. 24 | G20 . 5. 6. Opportunities%20of%20 Digitizing% 7. Solution%20to%20 Advance% 8. PAFI 7 . 9. PAFI 7 . 10. PAFI 1 .. PAFI . 11. FSB G20 2016 2 22 FSB. 2016 G20 . 1 . ( ) FSB SCAV. INTERVENTION 2 . SCAV/2016/04 . FSB .. 12. CPMI IOSCO . 2016 6 http://www. CPMI . IOSCO 2012 .. 13. PAFI 2 GPFI IVA .. 14. 2012 FATF 15 .. 15.. 2 8 9 . 25 . 16. GPFI 12-18 VIA VIB PAFI 2 .. 17. GPFI D 16 6 7 . 18. 2012 .. 2012 FATF.
5 FSB .. 2015 .. Transforming-Shadow-Banking-into-Resilie nt-Market-Based- 19. FSB 2014 . FSB . 2015 1 .. 20. GPFI 31-35 VIB . 21. GPFI 6 PAFI . 22. PAFI ICT PAFI .. 23. PAFI 3 ICT . 24. PAFI 3 ICT . 25. FSB . ( tokyo-on-30-31-march/) CPMI 2015 . 26. PAFI 3 ICT . 27. / 2015 . A4 A5 28. PAFI 2 6 . GPFI 19-24 IVB G20 . 29. 2004 .. 30. OECD/INFE . 2012 G20 .. ' Atkinson Messy (2012) 4 . ( ). 2016 .. 2013 . ' .. 79 .. 31. 2015 G20 .. | 25. 26 | G20 . 32. 2014 G20 .. 33. solutions-to-advance-women-s-economic-pa rticipation 34. 6 .. 35. 2030 .. 36. PAFI 115-117 3 ICT GPFI . IVD 26 2015 GPFI .. 37. 2012 FATF.
6 FATF 10 . 38. 2013 G20 5 .. Sudipto Das . ACKNOWLEDGEMENTS. The GPFI Co-Chairs would like to acknowledge and thank the following contributors to this document: The representatives from G20 countries, non-G20 countries, international organizations and private sector who provided inputs, advice and comments. The G20 Finance Ministers and Deputies, and Central Bank Governors and Deputies, provided important guidance through their meetings in Sanya, Shanghai, Washington, , Xiamen, and Chengdu. Patron of the GPFI: Her Majesty Queen M xima of the Netherlands, United Nations Secretary-General's Special Advocate for Inclusive Finance for Development Chair of the Technical Team: Dr.
7 Tianqi Sun (People's Bank of China). Co-Chair of the Technical Team: Douglas Pearce (World Bank Group). Members of the GPFI Digital Financial Inclusion Technical Team, which drafted the High-Level Principles: Alliance for Financial Inclusion: Norbert Mumba, Robin Newnham, Kennedy Komba Better Than Cash Alliance: Ruth Goodwin-Groen (core drafting team), Ros Grady (consultant, core drafting team). Child and Youth Finance International: Bianca Isaincu Consultant Group to Assist the Poor: Timothy Lyman, Ivo Jenik International Fund for Agricultural Development: Pedro de Vasconcelos, Michael Hamp International Finance Corporation: Martin Holtmann, Momina Aijazuddin (core drafting team), Loretta Michaels (consultant, core drafting team).
8 Organisation for Economic Co-operation and Development: Andr Laboul, Flore-Anne Messy People's Bank of China: Tiandu Wang SME Finance Forum: Matthew Gamser World Bank: Douglas Pearce, Douglas Randall (core drafting team), Lois Quinn, Solvej Krause (consultant, analyst). GPFI Affiliated Partners and Industry Bodies: Bill and Melinda Gates Foundation GSMA. Institute of International Finance Tianqi Sun Katharina Spiess Aysen Kulakoglu GPFI Co-Chair (China) GPFI Co-Chair (Germany) GPFI Co-Chair (Turkey). Preamble The Group of Twenty (G20) recognizes the key role of nancial inclusion in helping to move towards an Innovative, Invigorated, Interconnected and Inclusive World Economy.
9 In this decade, digital nance has already successfully improved access to nance by women, the poor, the young, the elderly, farmers, small and medium enterprises (SMEs) and other underserved customer segments in both G20 and non-G20 countries. Successful business models of digital nancial inclusion and new regulation and supervision approaches have emerged worldwide. Digital nancial inclusion promotes efficient interconnection among participants in economic activities. Leveraging the opportunities that technology offers to reduce costs, expand scale, and deepen the reach of nancial services will be critical to achieving universal nancial inclusion.
10 In 2016, the G20 has the opportunity to shape and accelerate the use of digital mechanisms for improving nancial access and inclusion. The G20 can help catalyze and inform country-led actions, with signi cant potential for social and economic impacts at the household, community, national and international levels. The G20 recognizes that it is crucial to take concrete and signi cant actions to advance digital nancial inclusion under the guidance of the G20 High-Level Principles for Digital Financial Inclusion and of international standard-setting bodies' (SSBs) principles supporting nancial inclusion.
