2021年全球金融包容性指数数据库报告

TheGlobgl2021FindexDatabaseFinancial Inclusion,Digital Payments,and Resiliencein the Age ofCOVID-19AsliDemirguc-Kunt,LeoraKlapper,WORLDBANKGROUPDorotheSinger,andSaniyaAnsa TheGlobalFindexDatabase2021Financial Inclusion, Digital Payments,andResilienceintheAgeofCOVID-19 TheGlobalFindexDatabase2021Financial Inclusion, Digital Payments,andResilienceintheAgeofCOVID-19Asli Demirgiug-KuntLeora KlapperDorothe SingerSaniya AnsarWORLDBANKGROUP @ 2022 International Bank for Reconstruction and Development / The World Bank1818 H Street NW, Washington, DC 20433Telephone: 202-473-1000; Internet: www.worldbank.orgSome rights reserved1 23 4 25 24 23 22This work is a product of the staff of The World Bank with external contributions. The findings, interpretations,and conclusions expressed in this work do not necessarily reflect the views of The World Bank, its Board ofExecutive Directors, or the governments they represent., The World Bank does not guarantee the accuracy,completeness, or currency of the data included in this work and does not assume responsibility for any errors,omissions, or discrepancies in the information, or liability with respect to the use of or failure to use theinformation, methods, processes, or conclusions set forth. The boundaries, colors, denominations, and otherinformation shown on any map in this work do not imply any judgment on the part of The World Bank concerningthe legal status of any territory or the endorsement or acceptance of such boundaries.Nothing herein shall constitute or be construed or considered to be a limitation upon or waiver of the privileges andimmunities of The World Bank, all of which are specifically reserved.Rights and Permissions(ce)This work is available under the Creative Commons Attribution 3.0 IGO license (CC BY 3.0 IGO) http:/creativecommons.org/licenses/by/3.0/igo. Under the Creative Commons Attribution license, you are free to copy,distribute, transmit, and adapt this work, including for commercial purposes, under the following conditions:AttributionPlease cite the work as follows: Demirgig-Kunt, Asli, Leora Klapper, Dorothe Singer, and SaniyaAnsar. 2022. Global Findex Database 2021: Financial Indsusion, Digital Payment, and Resilience in tbe Ageof COVID-J9. Washington, DC: World Bank. doi:10.1596/978-1-4648-1897-4. License: Creative CommonsAttribution CC BY 3.0 IGOTranslations—If you create a translation of this work, please add the following disclaimer along with thcattribution: Tbir tnanslation mas not created by The World Bank and showld nor be couidered an oficial World Banktranslation. Tbe World Bank sball not be liableforany content orerrorin this tranlation.Adaptations—If you create an adaptation of this work, please add the following disclaimer along with theattribution: Tbis is an adaptation of an original twork by The World Bank. Views and opinions expresred in theadaptation are tbe sole responsibility oftbe aurhororatiors oftbe adaptation and are not cndorsed by The World Bank.Third-party content—The World Bank does not necessarily own each component of the content contained withinthe work. The World Bank therefore does not warrant that the use of any third-party-owned individual componentor part contained in the work will not infringe on the rights of those third parties. The risk of claims resulting fromsuch infringement rests solely with you. If you wish to re-use a component of the work, it is your responsibilityto determine whether permission is needed for that re-use and to obtain permission from the copyright owner.Examples of components can include, but are not limited to, tables, figures, or images.All queries on rights and licenses should be addressed to World Bank Publications, The World Bank Group, 1818 HStreet NW, Washington, DC 20433, USA; e-mail: pubrights@worldbank.org,ISBN (paper): 978-1-4648-1897-4ISBN (electronic): 978-1-4648-1898-1DOI: 10.1596/978-1-4648-1897-4Corer illastration: @World Bank. Further permission required for reuse.Corer design: Gordon SchuitThe Library of Congress Control Number has been requested. ContentsForewordAcknowledgementsAbout the Global Findex DatabaseExecutive Summary1 Financial Access1.1 Account ownership1.2 Opportunities to increase account ownershipthrough an enabling environmentReferences2UseofFinancialServices2.1 Digital payments2.2 Savings2.3 Borrowing2.4 The financial ecosystem2.5 Opportunities for expanding the use of accounts2.6Opportunities for increasing account ownershipfor the unbanked through digitalizing paymentsReferencesVII 3 Financial Well-Being3.1 Financial resilience3.2 Financial worrying3.3 Opportunities to support financial well-beingthrough the financial systemReferencesSurvey MethodologyIndicator TableGlobal Findex GlossaryVIIl The Glabat Findex Database 2021 Figures1.1.1Account ownership differs significantly even within income groups1.1.2Global account ownership increased from 51 percent to 76 percent between2011and 20211.1.3Developing economies grew account ownership overall,