Portugal - Global Financial Inclusion (Global Findex) Database 2017

Financial inclusion is critical in reducing poverty and achieving inclusive economic growth. When people can participate in the financial system, they are better able to start and expand businesses, invest in their children’s education, and absorb financial shocks. Yet prior to 2011, little was known about the extent of financial inclusion and the degree to which such groups as the poor, women, and rural residents were excluded from formal financial systems. By collecting detailed indicators about how adults around the world manage their day-to-day finances, the Global Findex allows policy makers, researchers, businesses, and development practitioners to track how the use of financial services has changed over time. The database can also be used to identify gaps in access to the formal financial system and design policies to expand financial inclusion.

金融普惠（Financial Inclusion）对于减缓贫困、实现包容性经济增长至关重要。当个体能够参与金融体系时，便可更好地创办和拓展企业、为子女教育进行投资，并抵御金融冲击。然而在2011年之前，学界对金融普惠的覆盖广度，以及贫困群体、女性、农村居民等群体被排斥在正规金融体系之外的程度，几乎无从知晓。全球金融普惠指数（Global Findex）通过收集全球成年人日常理财管理的详细指标，可为政策制定者、研究人员、企业及发展实践者提供追踪全球金融服务使用情况随时间演变趋势的支撑。该数据库还可用于识别正规金融体系的服务覆盖缺口，并助力制定拓展金融普惠的相关政策。