最有看点的互联网金融门户

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世行贷款1亿美元 助力缅甸普惠金融发展

近日,世界银行宣布成立普惠金融发展项目,以促进缅甸中小企业发展。该项目将为期5年,贷款总额达1亿美元。

普惠金融项目旨在提升缅甸的金融服务效率,满足中小企业的金融需求,项目将重点关注缅甸的小额信贷以及保险领域。世界银行的这一举动,对于政治开放以来缅甸的经济现代化进程具有重大的推动作用。

缅甸计划与经济发展部副部长U Maung Maung Win表示,通过改革国有银行、构建法律和监管框架以及加快基础设施建设,普惠金融项目将使更多的缅甸家庭和中小企业享受金融服务。本次改革将为所有相关地域提供完善的金融产品和服务,尤其是农村和缺乏金融服务的地区。

世界银行东南亚地区负责人Ulrich Zachau也指出,开展普惠金融发展项目,能够充分保障缅甸人民获得基础金融服务以及小额贷款的权利。同时,缅甸信贷行业的进步将提高国民收入,创造大量的就业机会。在这个过程中,农民、低收入家庭以及小微企业将成为主要的受益对象。

联合国前任官员、著名政治评论员Richard Horsey去年9月在仰光接受《纽约时报》采访时也表示,普惠金融对于缅甸中小企业的发展具有重大意义,"近年来,缅甸的一些企业利用'非常手段'在行业内迅速发展,并逐渐取得了垄断地位。相比于这些企业,一个公平公正的竞争环境对正是广大中小企业所期盼已久的。"

去年年初,Tech in Asia报道指出,缅甸25岁以下的青少年占总人口的40%以上。随着普惠金融项目的落实,这也将成为推动缅甸金融科技进步的主力军。

近年来,缅甸的科技发展过于迅猛,以至于忽略了发展过程中出现的一系列问题。首先,缅甸当前信息科技的发展水平难以满足人民日益高涨的网络社交热情。对于网络新闻等信息传播的监管框架仍在构建当中,有关机构也仍在探索对于新闻自由等网络行为的有效处理方法。此外,对于创业加速器以及风险投资公司成立与发展的有关法律法规也还有待完善。

缅甸拥有世界上大量的金融弱势群体。有关报道称,直到2012年,缅甸才正式引入ATM机。因此,缅甸能否真正实现普惠金融与数字化创新,互联网金融又将如何帮助缅甸实现经济的腾飞?我们还需要拭目以待。

The World Bank established the Financial Sector Development Project to support Myanmar’s SMEs — the latest sign of progress in the country’s economy. The five-year project includes $100 million in credit, which will be used to allow SMEs increased access to financial services. The project will focus on the country’s microfinance and insurance sectors. The step by the multilateral organization adds to the continuance of Myanmar’s economic modernization since its political opening began a few years ago.

Fintech Ranking reported that Deputy Minister for Planning and Finance U Maung Maung Win said;

“The project will help increase access to finance for households and small and medium-sized enterprises by reforming state-owned banks, strengthening the financial sector’s legal and regulatory frameworks and modernizing the financial sector infrastructure. These reforms are expected to extend the range of basic financial products and services to underserved areas and populations.”

According to the World Bank’s Country Director for Southeast Asia Ulrich Zachau;

“As Myanmar implements the Financial Sector Development Project, people in communities across the country will gain access to basic financial services and small loans. Improved access to credit will mean higher incomes and more jobs. Farmers, small businesses and low-income households will benefit. The World Bank Group is pleased to help finance the project.”

As Richard Horsey, a political analyst and former United Nations official in Yangon, told The New York Times in September last year;

“A level playing field helps mainly small and medium-sized industries in Myanmar, not the cronies who have thrived under sanctions for years and are geared up to circumvent them.”

Myanmar — a country whose youth aged under 25-years-old makes up over 40 percent of the population — shows much promise in tech participation. According to Tech in Asia earlier last year;

“Myanmar’s tech scene has erupted so quickly, and with such wild, uncontrollable energy that it hasn’t had the time to make sense of itself. Institutions like startup accelerators, venture capital firms, and even basic internet-centric laws for journalism and expression are still in their early stages.

A country unfamiliar with a free press just a few years ago now has a vibrant social sphere online – something that local powerful institutions have sometimes handled with grace, and other times with clumsy heavy-handedness.”

However, in terms of alternative finance and digital innovation, observers will have to wait and see how quickly things move in the country. ATMs were only first installed in 2012. Myanmar, known still as Burma to some, is one country where many of the world’s financially excluded people can be found.


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