农村金融服务

金融中介是一个重要环节。通过这个过程,资金可以从供应商流向潜在用户。在大多数国家,各种机构、部门和市场均提供金融中介服务,其中包括银行等正规机构、合作社等半正式机构以及贸易商、放贷人等非正式金融服务提供者。 在农村地区提供金融服务是一项特殊挑战,因为农业具有依赖自然资源、生产周期长和易受风险影响等独特特征,并且分散的农民居民会大大增加金融服务的运营成本。我们的学习中心旨在汇集各种资源,帮助金融服务提供商在不同国家的不同农村环境中实现有效运作,并以可持续的方式扩大其金融服务的范围。

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Harnessing the Power of Mobile Money to Achieve the Sustainable Development Goals Paper 2019

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This resource appears in: ICT applications, 农村金融服务, Rural Financial Services: General

Exploring ways in which mobile money contributes to the digitalization of finance

Over the last decade, mobile money has been disrupting traditional financial services and transforming the lives of hundreds of millions of people across developing countries. Today, with over $1.3 billion a day processed by over 866 million registered accounts in 90 countries, mobile money has evolved into a broader payments platform that provides access to life-enhancing services, such as healthcare, education, employment, transportation and social protection. As national economies become increasingly dependent on digital technology, the power of mobile money to harness digital finance for sustainable development is strengthening.

This report brings together existing evidence to explore the ways in which mobile money is contributing to the digitalization of finance to achieve the Sustainable Development Goals (SDGs). The insights presented here illustrate the potential of mobile money to help achieve the 2030 targets by driving sustainable and inclusive growth, and providing solutions to some of the world’s most intractable development challenges.

Smallholder Households: Distinct Segments, Different Needs Paper 2019

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This resource appears in: 农村金融服务

The 500 million smallholder households worldwide represent a large pool of potential financial services customers. However, they are not a monolithic group. To create and provide appropriate and desirable products for the segments within this group, financial services providers, government bodies, and agricultural development partners need to understand the segments they want to serve.

This Focus Note proposes an approach that distinguishes three segments of smallholder households—Subsisting, Commercializing, and Diversifying—according to their crop and livestock sales, amount of agricultural land, and smallholder livelihood profile. Using data from nationally representative surveys of smallholder households in Mozambique, Uganda, Tanzania, Côte d’Ivoire, Nigeria, and Bangladesh, the analysis estimates the market size of each segment and outlines recommendations on high-value financial solutions. Key findings include:

  • The Commercializing segment is the primary market for financial solutions related to agricultural goals.
  • The Diversifying segment is in transition and generally values the standard portfolio of financial services.
  • To serve the more vulnerable Subsisting segment at scale, partnerships, technology, and comprehensive approaches to financial and nonfinancial services are key.
  • Agriculture exerts a strong influence on the identity and income of smallholder households. But their financial inclusion is not primarily determined by their agricultural livelihood profile.
  • Farm and nonfarm aspects of their livelihoods need to be considered to help each segment of smallholder households effectively build resilience and capture opportunities
Access to markets for small actors in the roots and tubers sector. Tailored financial services and climate risk management tools to link small farmers to markets Report 2019

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This resource appears in: 农村金融服务, Risk management

The roots and tubers industry in sub-Saharan Africa has been growing steadily in recent years. Nevertheless, a series of challenges, including lack of access to finance and climate change related events, has prevented the majority of actors in these value chains, who are mainly small farmers and small processors, from taking advantage of such growth. In order to properly assess such challenges, the project “Strengthening linkages between small actors and buyers in the roots and tubers sector in Africa” conducted a series of studies to identify relevant gaps, constraints and opportunities to develop tailored financial products and risk management strategies for small farmers. The present publication provides a summary of the most important lessons learned, with the related policy recommendations.

Author Pera, M., Bavagnoli, M. & Benni, N.;
Publisher Food and Agricultural Organization of UN
Number of Pages 60 pages
Primary Language English (en)
Region / Country Global
Keywords Risk Management, Financial Inclusion, Access to Markets
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Gender Self-Assessment Toolkit for Financial Service Providers Toolkit 2019

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This resource appears in: 农村金融服务, Rural Financial Services: General, Gender, Inclusive finance

UNCDF, under its ASEAN regional and country programme, has developed a toolkit composed of an institutional gender self-assessment tool (GSAT) and a standardised process with facilitator guides to support FSPs in reviewing and evaluating their existing gender approach. This includes identifying the linkages that exist among: a) their business goals and profit; b) effectively serving the women’s market and; c) promoting women’s workforce participation and leadership. The toolkit aims to enhance FSPs’ institutional policies, practices and performance towards - Increasing targeted outreach to women clients through gender-sensitive products and services; and promoting workforce gender diversity in management and leadership.

GFiN - One Year On Report 2019

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This resource appears in: 农村金融服务

The Global Financial Inclusion Network (GFiN) is a network of international regulators and related organizations committed to supporting financial innovation and to creating a framework for co-operation between regulators to share experiences and approaches to innovation. The GFiN has rapidly grown over the past year from its 12 founding members, to be a global dialogue with 35 Member Regulators and 7 Observers from 21 jurisdictions. 

This report sets out what the GFiN has been doing over the past year, the challenges it has faced, achievements, and its ambitions for the future. It also aims to show that it is listening to stakeholders, and welcomes feedback in order to ensure that the GFiN continues to add value.

Key facts about the GFiN:

  • 35 members and 7 observers from 21 jurisdictions.
  • 99 responses from 26 jurisdictions received in response to the initial GFiN consultation.
  • 44 applications from 17 jurisdictions for the inaugural GFiN cross-border test pilot with 8 firms being selected to develop testing plans.
  • Nearly 60 representatives attended the first biannual meeting of the GFiN held in London in May.
Guidelines for micro-finance and credit services in support of small-scale fisheries in Asia Report 2019

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This resource appears in: 农村金融服务

These Guidelines for increasing access of small-scale fisheries to credit and microfinance services in Asia have been developed to support the implementation of the Voluntary Guidelines for Securing Sustainable Small-Scale Fisheries in the Context of Food Security and Poverty Eradication (SSF Guidelines).

The purpose of these guidelines is fourfold, i.e. to:

• Increase awareness about the financial service needs of small-scale fishers (SSF) for more sustainable and inclusive access to finance;

• Guide policy and decision makers in the Asia-Pacific region and elsewhere, to help introduce and incentivize financial services to small-scale fishers, with the ultimate objective to encourage investment in the industry and by doing so influence and strengthen sustainability, ecological and economic viability of these fisheries;

• Build capacity among financial service providers, fisherfolk organizations, NGOs, and concerned government agencies, to design and implement financial service products and programmes that suit the needs of small-scale fishing communities and enhance social protection; and

• Promote financial services that incentivize and reward a responsible and sustainable conduct of fishing, fish processing and marketing operations.

The document commences by laying out the background and context, purpose and target audience of these Guidelines. It describes why microfinance and credit are important for small scale fisheries and why many small-scale fishers are not currently financed, which includes a discussion of risks. The Guidelines suggest entry and leverage points for actors interested in supporting the access of financial services for SSFs and compares agriculture (smallholders) and SSF business characteristics.

Author Grace, L., van Anrooy, R.
Publisher FAO; APRACA
Number of Pages 56 pages
Primary Language English (en)
Region / Country Asia
Keywords Microfinance, small-scale fisheries
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