审查中的财务健康状况：不同金融机构的现行做法

bySheirin Iravantchi,Jermy Prenio and FriederikeRühmann October 2025 JEL classification: G18, G2, G5, I31 Keywords: financial health, financial well-being, financialinclusion, financial literacy, financial regulation FSI Insights are written by members of the Financial Stability Institute (FSI) of the Bank for InternationalSettlements (BIS), often in collaboration with staff from supervisory agencies and central banks. The papersaim to contribute to international discussions on a range of contemporary regulatory and supervisorypolicy issues and implementation challenges faced by financial sector authorities. The views expressed inthem are solely those of the authors and do not necessarily reflect those of the BIS or the Basel-basedcommittees or the World Bank Group. Author contact information: Jermy Prenio (jermy.prenio@bis.org),Bankfor International Settlements;Sheirin Iravantchi(siravantchi@worldbank.org)and FriederikeRühmann (fruehmann@worldbank.org), World Bank. The authors are grateful to the representatives from the financial authorities interviewed: AustralianSecurities and Investments Commission (ASIC); Central Bank of Brazil (BCB): Luis Gustavo Mansur Siqueira,Ronaldo Vieira da Silva, Diogo Nogueira Cruz, Marcelo Junqueira Angulo, Lucas Iten Teixeira, Raquel Melode Almeida, Erika Akemi Soki, Stanislaw Zmitrowicz and Fabio de Almeida Lopes Araujo; FinancialConsumerAgency of Canada (FCAC):Anaïs Bertrand-Dansereau,Stephanie Duhaime,Dave Hayes,Gentiana Sadikaj, Monica Soliman and Ruth Stephen; Central Bank of Jordan (CBJ): Lama Samhouri DinaMadfai and Sahab M Al Smadi; Central Bank of Kenya (CBK): Cappitus Chironga and Isaac Mwangi; andthe UK Money and Pensions Service (MaPS): Peter Bailey, Helen Pitman, Jackie Spencer and Lilah Woods. For helpful comments, we thank Matthew Soursourian, OECD; Miles Larbey, OECD; Chiara Monticone,OECD; David Symington, UNSGSA; Karina Broens Nielsen, CGAP; Tatiana Alonso, CGAP; and Leah MumbiKiwara, World Bank. Additional feedback was received from Jon Frost, BIS; Vatsala Shreeti, BIS; TirupamGoel, BIS; Adel Meer, IFC; Bruno Francois Migliorini, IFC; Ngozi Ukweni Ogagaoghene, IFC; and LeoraKlapper, World Bank. Harish Natarajan, World Bank, provided insightful guidance. We also thank ColetteStoeber, Emma Claggett, Theodora Mapfumo and Charlotte Gardini for editorial support. Authorised by the Chair of the FSI, Fernando Restoy and the Global Director Finance, Prosperity VicePresidency, World Bank, Niraj Verma. This publication is available on the BIS website (www.bis.org). To contact the BIS Global Media and PublicRelationsteam,pleaseemailmedia@bis.org.Youcansignupforemailalertsatwww.bis.org/emailalerts.htm. ©Bank for International Settlements2025.All rights reserved. Brief excerpts may be reproduced ortranslated provided the source is stated. Contents Executive summary ........................................................................................................................................................................... 1Section 1 – Introduction ................................................................................................................................................................. 3Section 2 – Financial inclusion, financial regulation and financial literacy ................................................................. 4Section 3 – The emergence of the concept of financial health....................................................................................... 8Evidence of the drivers of financial health ...................................................................................................................10International engagement ..................................................................................................................................................11Section 4 – Experiences of national financial authorities ................................................................................................12Motivations ...............................................................................................................................................................................15Definitions .................................................................................................................................................................................15Measurement ...........................................................................................................................................................................18Data collection and monitoring........................................................................................................................................19Programme and policy interventions .............................................................................................................................22Section 5 – Conclusion .......................................................................