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IFC:尼日利亚普惠金融已成非洲落后力量

其他国际资讯

IFC:尼日利亚普惠金融已成非洲落后力量

近日,国际金融公司(后文简称IFC)发布了一份名为《数字途径:非洲普惠金融的未来》的报告。

报告指出,作为昔日非洲金融领军力量的尼日利亚,如今的普惠金融和移动金融发展已经落后于大部分非洲国家。

总体来看,2017年尼日利亚无法获得金融服务的人口总数上升了2.1%,达到4100万。

而就移动金融领域来说,2017年尼日利亚移动钱包账户总量仅上升了6%,而许多非洲国家在这个领域的增速都是双位数。报告认为,尼日利亚央行2009年禁止移动运营商提供移动金融产品是造成这一困境的一大原因。

报告指出,尼日利亚央行主要将许可证发给了零售银行和金融科技企业,而这样做的话,要想在2020年前将无法获得银行服务的人口比例削减到20%的目标就很难实现了。

报告认为,移动金融的一个宏观好处就是它能够将人们覆盖到税收网络中。尼利亚联邦金融部长Kemi Adeosun上周表示,该国纳税人数量从2015年中的1300万上升至目前的1930万。不过,此前造成这种增长的主要是计算机自动化办公和税收豁免,而不是移动金融。

Nigeria is lagging behind in financial inclusion and mobile money in Africa, according to the International Finance Corporation.

This was contained in a report by the body captioned “Digital Access: The Future of Financial Inclusion in Africa.”

According to the report, the number of financially excluded people in Nigeria increased by 2.1 per cent in 2017 to 40.1 million.

In addition, the IFC said that the country’s under-performance was related to the modest growth in mobile money.

It said the number of mobile money accounts expanded by just six per cent in Nigeria in 2017, compared with double-digit growth in many jurisdictions.

The report held the regulator largely responsible, pointing to the Central Bank Nigeria’s guidelines of 2009 that barred mobile operators from offering mobile money products.

“Instead, the central bank has awarded operating licenses to companies ranging from retail banks to financial technology firms. The target to reduce the excluded ratio to 20 per cent of Nigerian adults by 2020 looks highly ambitious,” the report said.

The report stated that the macro importance of mobile money was that it helped to bring people into the tax-paying net.

The Federal Minister of Finance, Kemi Adeosun, disclosed last week that taxpayer numbers had risen from 13 million in mid-2015 to 19.3 million currently.

Analysts said the principal drivers had been computerisation enforcement steps and the tax amnesty rather than mobile money.


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