Korea, Rep. - Global Financial Inclusion (Global Findex) Database 2014

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）对于减贫与实现包容性经济增长至关重要。当民众能够接入正规金融体系时，便可更好地创办与拓展企业、为子女教育开展投资，同时也能更有效地抵御金融冲击。然而在2011年之前，学界与实务界对金融普惠的覆盖范围，以及贫困人口、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一无所知。全球普惠金融数据库（Global Findex）通过收集全球成年群体日常财务管理的详细指标，可为政策制定者、研究人员、商业机构以及发展从业者提供追踪金融服务使用情况随时间变化趋势的途径。该数据库还可用于识别正规金融体系接入服务存在的缺口，并制定政策以扩大金融普惠覆盖范围。