您的浏览器禁用了JavaScript(一种计算机语言,用以实现您与网页的交互),请解除该禁用,或者联系我们。[G20]:通过数字公共基础设施促进金融包容性和生产力收益的政策建议:2023年金融包容性全球伙伴关系(英) - 发现报告
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通过数字公共基础设施促进金融包容性和生产力收益的政策建议:2023年金融包容性全球伙伴关系(英)

金融2023-10-15-G20艳***
通过数字公共基础设施促进金融包容性和生产力收益的政策建议:2023年金融包容性全球伙伴关系(英)

A ADVANCING FINANCIAL INCLUSION AND PRODUCTIVITY GAINS THROUGH DIGITAL PUBLIC INFRASTRUCTUREG20 POLICY RECOMMENDATIONS FOR ADVANCING FINANCIAL INCLUSION AND PRODUCTIVITY GAINS THROUGH DIGITAL PUBLIC INFRASTRUCTUREPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure Authorized G20 POLICY RECOMMENDATIONS FOR ADVANCING FINANCIAL INCLUSION AND PRODUCTIVITY GAINS THROUGH DIGITAL PUBLIC INFRASTRUCTURE Global Partnership for Financial Inclusion2023 ABBREVIATIONSAE advanced economiesACH automated clearing houseAML/CFT anti-money-laundering/countering the financing of terrorismAPI application programming interfaceBIS Bank for International SettlementsBSP Bangko Sentral ng Pilipinas (Central Bank of Philippines)CDD customer due diligenceCPMI Committee on Payments and Market InfrastructuresDEWG Digital Economy Working GroupDFE digital financial ecosystemDFS digital financial servicesDPI Digital Public InfrastructureEMDEs emerging markets and developing economiesFIAP financial inclusion action planFPS fast payment systemsFSP financial service providerG20 Group of twenty countriesG2P government to person GPFI Global Partnership for Financial InclusionGSMA Global system for mobile communications association HLPs G20 High-Level Principles for Digital Financial InclusionICT information and communication technologyITU International Telecommunication Union KYC know your customerMSME micro, small, and medium-sized enterpriseOECD Organization for Economic Co-operation and DevelopmentP2P person to personPOS point of saleRTGS real-time gross settlementSDG United Nations sustainable development goalsSME small and medium-sized enterpriseWEF World Economic ForumAll dollar amounts are US dollars unless otherwise indicated.ii CONTENTSAbbreviations iiAcknowledgments vForeword viiExecutive Summary 11. Introduction and Background 52. DPIs and their role in the financial sector 93. How DPIs Can Effectively Advance Financial Inclusion and Productivity Gains 163.1 The Role of DPIs in Advancing Financial Inclusion 163.2 The Role of DPIs in Enabling 3.3 DPI Use Cases 233.3.1 Account Opening 233.3.2 Government-to-Person Payments 253.3.3 Remittances 283.3.4 MSME Finance 294. An Enabling Ecosystem to Foster the Impact of DPIs on Financial Inclusion and Productivity Gains 324.1 Digital Financial Ecosystem Enablers That Support Financial Inclusion and Productivity Gains through DPIs 324.2 Risks and Challenges for DPIs in Achieving Financial Inclusion and Productivity Gains 355. Policy Recommendations 386. Potential Areas for Further Exploration 417. Country Case Studies 447.1 Digital ID, Digital Payments, and Data Exchange Infrastructure in Action: Country Case Studies 447.1.1 Argentina 447.1.2 Bangladesh 447.1.3 Colombia 467.1.4 Ghana 477.1.5 Indonesia 487.1.6 Philippines 49iii iv ADVANCING FINANCIAL INCLUSION AND PRODUCTIVITY GAINS THROUGH DIGITAL PUBLIC INFRASTRUCTURE7.1.7 Rwanda 507.1.8 Saudi Arabia 517.2 Case Studies on Programs/Initiatives to Advance Financial Inclusion 527.2.1 Jan Dhan for Advancing Financial Inclusion: India 527.2.2 Designing Digital Remittance Solutions for Domestic Workers in Indonesia 537.2.3 Improving Digital Literacy in the United Arab Emirates 54Annex A: Work Developed by the GPFI to Support Financial Inclusion 56G20 Financial Inclusion Action Plan 2020 56Applicable G20 Principles and Work Done under Previous Presidencies 56Annex B: Interlinkages between DPIs and Implementation of the HLPs on Digital Financial Inclusion 59Annex C: Additional Explanations for Voluntary and Nonbinding Policy Recommendations 61Public and Private Collaboration 61Regulation, Supervision, and Oversight 61Building Inclusive Products and Services 62Protection of Vulnerable and Formerly Excluded Users 62References 64 ACKNOWLEDGMENTS This G20 Global Partnership for Financial Inclusion (GPFI) document has been prepared by the World Bank* as an implementing partner of GPFI with the guidance of and inputs from the G20 India Presidency represented by the Ministry of Finance (MoF) of the Government of India and the Reserve Bank of India (RBI). The team of MoF, Government of India, was led by Chanchal C. Sarkar, Adviser, and that of RBI was led by Ms. Sonali Sengupta, CGM.The Presidency would like to express its sincere gratitude to the G20 Troika and all the GPFI member coun-tries for their support and contributions, the GPF