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瑞信加入CGAP,致力通过数字金融消除贫困

专栏国际资讯

瑞信加入CGAP,致力通过数字金融消除贫困

全球顶级金融服务机构瑞信银行(Credit Suisse)与世界银行扶贫协商小组(后文简称CGAP)展开合作,希望建立可靠的、具有包容性的金融系统,帮助贫困群体脱贫,保护其经济收益,推动更广泛的全球发展议程。

CGAP是由30多个重要发展组织、私人基金会以及国家政府合作建立的全球性机构,致力于发展普惠金融,使贫困人群获益。瑞信和CGAP的合作将充分发挥双方专长,促进金融普惠,推动实现联合国可持续发展目标(SDGs)。

结合瑞信银行的行业知识,CGAP推出了一系列项目,包括开发可持续商业模式,即借助数字金融技术来降低成本,帮助服务水平较低的社区在能源、供水、教育、医疗保健等基础服务方面提高效率。

瑞信集团董事长Urs Rohner表示:"无论财富高低,所有人都希望获得子女教育、照明、医疗保健等服务,过上充实、有意义的生活,实现联合国SDGs中描述的目标,提高生命的价值。瑞信非常荣幸与CGAP合作,在帮助财富金字塔底层群体获得更多基础服务的同时,对于那些能一直提供价格实惠、适合贫困群体的金融产品的企业,我们也在努力提高其同理心。"

瑞信银行将通过金融普惠项目(Credit Suisse Financial Inclusion Initiative) 与CGAP进行合作。这是瑞信的一项资金捐助和技能分享计划,于2008年推出,目的是促进普惠金融领域的创新和市场发展,合作伙伴包括Accion、国际机遇(Opportunity International)、Swisscontact、世界妇女银行(Women's World Banking)等非政府组织。CGAP出台了新的五年战略(2019-2024年),致力于在消费者价值、新商业模式、重要基础设施及5G政策等四个领域深化普惠金融。瑞信银行将作为机构一员加入CGAP理事会,在全面预算和战略方向等方面出谋划策。

CGAP首席执行官Greta Bull表示,瑞信作为顶尖的金融服务机构,其独特的视角能够激发出更加多元化的思考。她还说:"想要提出领先性方案,借助金融服务改善穷人生活,必须与行业顶尖公司以及发展组织展开合作。我们期待与瑞信共同努力,推动全球发展议程。"

CGAP推出PAYGo Solar项目

CGAP一直与投资者和慈善界保持联系,希望帮助PAYGo在可持续发展的基础上进一步壮大。PAYGo Solar项目为发展中国家低收入家庭提供太阳能电池板,使用者用手机多支付一小笔费用便可首次用上电,数百万人因此受益。但是仍有10亿多人生活在黑暗中,CGAP要实现目标,任重而道远。

PAYGo的模式也应用到了供水、教育和医疗保健等领域。但这一新兴行业在商业模式和融资方面也遇到了瓶颈。CGAP与金融行业、投资者和捐赠机构共同协作,希望形成PAYGo的风险指标和融资标准,将其变成一种可投资资产。瑞信在财务绩效评估、风险管理、复合融资模式以及将资产融资范例应用到新兴市场等方面的专长,能为CGAP提供新的洞见。

CGAP曾向成员组织学习商业视角和专业知识,受益匪浅。作为一家公益机构,它也将自己的学习经验分享给整个普惠金融业。和对其他成员组织的态度一样,CGAP很高兴与瑞信银行合作,期待瑞信能带来相关行业的技术专长,协助CGAP开展工作。

Credit Suisse, one of the world's leading financial services providers, is partnering with the Consultative Group to Assist the Poor (CGAP) to support its work in building inclusive and responsible financial systems that help people move out of poverty, protect their economic gains and advance the broader global development agenda.

CGAP is a global partnership of more than 30 leading development agencies, private foundations and national governments committed to financial inclusion as a means toward expanding opportunities for poor people. Through their engagement, CGAP and Credit Suisse will capitalize upon and leverage each other’s knowledge to further financial inclusion and its contribution toward achieving the United Nations’ Sustainable Development Goals (SDGs).

Among the projects that align well with Credit Suisse’s expertise are CGAP’s work on sustainable business models that use digital finance technologies to lower the cost and increase the efficiency of delivering energy, water, education, healthcare and other basic services to underserved communities.

“People of all levels of wealth want to educate their children, light their homes, have access to healthcare services, live productive lives, and achieve the many other life-enhancing objectives expressed in the SDGs. Credit Suisse is excited to engage with CGAP in improving the understanding of businesses that can sustainably offer suitable and affordable financial products while helping expand access to essential services for the base of the wealth pyramid,” said Urs Rohner, Chairman of the Board of Directors of Credit Suisse Group.

Credit Suisse will collaborate with CGAP through the Credit Suisse Financial Inclusion Initiative, the bank’s grant making and skills sharing initiative. The Initiative was launched in 2008 and is targeted at innovation and market development in the financial inclusion space, working with leading NGOs like Accion, Opportunity International, Swisscontact and Women’s World Banking. CGAP’s current strategy, covering the period 2019 through 2024, focuses on deepening financial inclusion through four interconnected priority areas - customer value, emerging business models, enabling infrastructure and next generation policy. As a CGAP member, Credit Suisse will participate in its Council of Governors, providing advice and support on CGAP’s overall budget and strategic direction.

CGAP CEO Greta Bull said Credit Suisse’s perspective as a leading financial services provider will enrich the thinking of the membership body. “Engaging with industry leaders alongside our development partners is integral to CGAP’s success in developing leading edge solutions that leverage financial services to improve the lives of the poor. We look forward to collaborating with Credit Suisse as we do with all members to advance the global development agenda,” she said.

CGAP’s PAYGo Solar Project

CGAP is actively engaging with investors and the donor community in exploring ways to expand the PAYGo business sector in a sustainable manner. PAYGo solar is bringing electricity for the first time to low-income communities in the developing world by offering families solar panels that they pay for remotely in small increments by mobile phone. PAYGo has helped millions of people gain access to modern electricity for the first time, but there is still a long way to go to serve the over one billion who still live in the dark.

The PAYGo model is also being applied to water, education and healthcare delivery. But as an emerging sector, it faces business model and funding challenges. Working with the industry, investors and donors, CGAP is exploring ways to bolster PAYGo as an investible asset class, by identifying risk indicators and setting standards for financing. Credit Suisse’s expertise in financial performance assessment, risk management, blended finance models and in adapting asset financing best practices to emerging markets will bring new insights for CGAP’s work.

CGAP benefits from opportunities to learn from the business perspectives and expertise of its individual members, and as a public good it shares learnings for the benefit of the entire financial inclusion community. As it does with all members, CGAP welcomes the chance to engage with Credit Suisse, which offers technical expertise in areas relevant to its work.

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