最有看点的互联网金融门户

最有看点的互联网金融门户
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麦肯锡:数字金融将为新兴经济体国家创造9500万工作机会

麦肯锡全球研究所最新研究指出,未来10年移动端金融服务将带动新兴经济体国家GDP上涨6%,总量达到3.7万亿美元,同时创造9500万个工作机会。而如今,新兴经济体国家中大约有200亿个人和超过2亿中小企业缺少储蓄和信贷渠道,严重阻碍了当地经济发展。

麦肯锡认为,数字金融(即通过移动设备和互联网提供支付和其他金融服务)可以大大这些发展中国家个体、商业和政府的经济状况。

为更好得做出后期预测,麦肯锡曾进行了一系列经济模型模拟、远程采访和实地访问。这份研究预计,数字金融将为16亿无法获得银行服务的个体提供金融服务,而这个群体中超过半数都是女性。而因为有了全新的贫困人群信贷风险衡量方式,个人和小企业可获得的持续贷款也将增加21万亿美元。此外,通过削减公共支出和税收过程中的遗漏问题,上述国家政府每年还可以挽回1100亿美元的损失。

通过实现从传统到数字账户的庄边升级,金融服务提供商每年还可直接节省4000亿美元的成本,所提供服务的价格也将下降8到9成。通过扩大用户基数规模,金融服务提供商还能大大提高盈利机会,资产负债表获益最高可达4.2万亿美元。

这份报告认为,手机才是上述所有革新能否发生的关键。据统计,2014年新兴经济体国家中有8成左右的成年人都拥有手机,但是只有55%的成年人拥有金融账户。

报告指出:"要想抓住这个机遇,无论商界还是政界都要快速集中行动起来。不要等到这代人'钱包鼓起来'然后被传统银行抢了生意。新兴经济体国家的机遇就在于可以通过移动技术为所有人提供金融服务,积极促进社会发展。"

Delivering financial services by mobile phone could raise the GDP of all emerging economies by six percent to $3.7 trillion over the next ten years and create 95 million new jobs, according to research by McKinsey Global Institute. Mckinsey says that two billion individuals and 200 million micro, small, and midsize businesses in emerging economies today lack access to savings and credit, stunting economic growth.

The company believes that digital finance — payments and financial services delivered via mobile phones and the Internet — could transform the lives and economic prospects of individuals, businesses, and governments across the developing world.

McKinsey conducted a range of economic modelling, interviews and field visits to quantify its forecasts. The research estimates that digital finance could provide access to 1.6 billion unbanked people, more than half of them women. An additional $2.1 trillion of loans to individuals and small businesses could be made sustainably, as providers gain newfound ability to assess credit risk for a wider pool of borrowers. Governments could gain $110 billion per year by reducing leakage in public spending and tax collection.

Providers of financial services also stand to save $400 billion annually in direct costs by shifting from traditional to digital accounts, which can be 80 to 90 percent less expensive to service. By expanding their customer base, providers increase revenue opportunities and could sustainably increase their balance sheets by as much as $4.2 trillion, says McKinsey.

The report describes mobile phones as the 'game-changer' that could make all this happen, pointing out that in 2014, nearly 80% of adults in emerging economies had a mobile phone, while only 55% had financial accounts.

"To capture the opportunity, businesses and government leaders will need to make a concerted and coordinated effort," states the report. "Rather than waiting a generation for incomes to rise and traditional banks to extend their reach, emerging economies have an opportunity to use mobile technologies to provide digital financial services for all, rapidly unlocking economic opportunity and accelerating social development."


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