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| Title: | 由銀行合作企業分析瓜地馬拉的銀行商品
Financial Inclusion: Analysis of Banking Products through Correspondent Banking Agents in Guatemala |
| Authors: | 石嘉德
Cid, Gabriela del |
| Contributors: | 蔡政憲
Tsai, Cheng Hsien
石嘉德
Cid, Gabriela del |
| Keywords: | 銀行合作企業
瓜地馬拉
銀行商品
Correspondent Banking Agents
Guatemala
Banking Product |
| Date: | 2015 |
| Issue Date: | 2015-08-17 14:10:04 (UTC+8) |
| Abstract: | This paper provides an analysis on Financial Inclusion and a set of indicators to understand how adults in Guatemala manage their finances. The data shows that only 22 percent of the adult population has an account at a legitimate financial institution. In addition, 25 percent of adults report having saving habits but only 10 percent do it at a legitimate financial institution. Physical distance is a key factor in achieving Financial Inclusion in the country as the most common barrier for the use of financial products is the lack of financial service branches in many regions, especially in the northern part of the country.
The purpose of this research was to find a method that could be implemented in Guatemala in order to introduce underserved people into the legitimate financial system. Special analysis was made on the Correspondent Banking model and it was found to be one of the most successful methods employed to improve access and usage of financial services in many countries. This branchless banking strategy can play a significant role in ensuring universal access to financial services, and be a cost-effective strategy for financial institutions to increase their customer base. Guatemala can use this current opportunity to guide its economic strategy towards the reduction of poverty, economic improvement and mitigation of some of the worst effects of being financially excluded.
1. Introduction 1
2. Financial Inclusion Indicators in Guatemala 2
2.1. Savings Tendency 2
2.2. Reasons for Having Bank Accounts 3
2.3. Adults with Bank Accounts 4
2.4. Access to Bank Branches 5
2.5. Frequency of Access to an Account 7
3. Financial Services and Banking Products in Guatemala 10
3.1. Commercial Banks 10
3.2. Cooperatives 11
3.3. Microfinance Institutions 12
4. An introduction to Financial Inclusion 14
4.1. Costs of Financial Exclusion 14
4.2. Definition of Financial Inclusion 15
4.3. Benefits of Financial Inclusion 15
4.4. Components of Financial Inclusion 17
5. Correspondent Banking as a Financial Inclusion Strategy 19
5.1. Key Barriers for the Usage of Banking Services 19
5.2. Definition of Correspondent Banking 19
5.3. Transaction Flow through Correspondent Banking 20
5.4. Correspondent Banking: Successful Cases in Latin America 21
5.4.1. Colombia 21
5.4.2. Brazil 22
5.4.3. Peru 23
5.5. Recent Development of Correspondent Banking Agents in Guatemala 23
6. Benefits of Increasing Banking through Correspondent Banking Agents 26
6.1. Benefits for Society 26
6.2. Benefits of Correspondent Banking for Stakeholders 26
6.2.1. Benefits for Banks 26
6.2.2. Benefits for Customers 27
6.2.3. Benefits for Retail Stores 28
7. Opportunities to Increase Outreach of Banking Services 30
7.1. Potential Target Groups 30
7.1.1. Young People 30
7.1.2. Migrant Population 31
7.1.3. Women Entrepreneurs 32
7.1.4. Agricultural Sector 32
8. Downside of Correspondent Banking Agents 34
9. Conclusions and Recommendations 37
9.1. Conclusions 37
9.1.1. Conclusions Regarding Financial Services in Guatemala 37
9.1.2. Conclusions Regarding Correspondent Banking Agents 37
9.2. Recommendations 38
9.2.1. Recommendations Regarding Correspondent Banking Agents 38
9.2.2. Additional Recommendations for Financial Inclusion 40
10. Reference 42
11. Appendix 44 |
| Reference: | 1. Banking for Billions: increasing access to financial services. 2010. The Economist Intelligence Unit and Barclays Bank PLC.
2. Boletín Anual De Estadísticas del Sistema Financiero. 2012. Superintendencia de Bancos Guatemala.
3. Demirguc-Kunt, Asli, and Leora Klapper. 2012. Measuring Financial Inclusion, The Global Findex Database policy research working paper No. 6025. The World Bank.
4. Financial inclusion measurement for regulators: Survey design and implementation. 2010. Alliance for Financial Inclusion.
5. Financial Inclusion Strategies Reference Framework. 2012. The World Bank.
6. Financial Inclusion: What’s the vision? 2009. The Center for Financial Inclusion at Accion International.
7. Maldonado, Jorge Higinio, Rocío del Pilar Moreno, Isabel Giraldo Pérez, and Camila Andrea Barrera Orjuela. 2011. Programas de Transferencias Condicionadas e Inclusión Financiera: Oportunidades y Desafíos en América Latina. IDRC.
8. Mas, Ignacio, and Hannah Siedek. 2010. Banking through networks of retail agents, paper No. 47. CGAP.
9. Mas, Ignacio. 2008. Being Able to Make (Small) Deposits and Payments, Anywhere, paper No. 45. CGAP.
10. Mas, Ignacio. 2010. New Opportunities to Tackle the Challenge of Financial Inclusion, working paper series No. 40. Institute for Financial Management and Research Centre for Micro Finance.
11. Pickens, Mark, David Porteous and Sarah Rotman. 2009. Scenarios for branchless Banking in 2020, paper No. 57. CGAP Department for International Development.Ratha, Dilip, Sanket Mohapatra and Ani Silwal. 2011. The Migration and Remittances Factbook 2011. Migration and Remittances Unit from the World Bank.
12. Reporte de Inclusion Financiera. 2012. Superintendencia Financiera de Colombia.
13. Scaling up Access to Finance for Agricultural SMEs Policy Review and Recommendations. 2011. International Finance Corporation from the World Bank Group.
14. Strengthening Access to Finance for Women-Owned SMEs in Developing Countries. 2011. International Finance Corporation from the World Bank Group.
15. Technology Program Country Note Brazil. 2010. CGAP.
16. The Little Data Book on Financial Inclusion. 2012. The World Bank.
Webpages
1. Banca de las Oportunidades (Colombia) – (Achievements and results)
http://www.bancadelasoportunidades.gov.co/contenido/contenido.aspx?catID=300&conID=690
2. Banco de Guatemala – (Economic and Financial Information)
http://www.banguat.gob.gt/inc/main.asp?id=21&aud=1&lang=1
3. Banco Industrial Guatemala – (Products and Services)
http://www.bi.com.gt/content_area.aspx?idCategory=2
4. MICOOPE Guatemala – (Products and Services)
http://www.micoope.com.gt/index.php/productos/cuentas-de-ahorro
5. Superintendencia de Bancos de Guatemala – (Laws and Regulations)
http://www.sib.gob.gt/web/sib/leyesyreglamentos/reglamentos?p_p_id=86&p_p_action=1&p_p_state=normal&p_p_mode=view&p_p_col_id=&p_p_col_pos=0&p_p_col_count=2&
6. Superintendencia de Banca y Seguros de Perú – (Statistics Financial System)
http://190.102.151.31/0/modulos/JER/JER_Interna.aspx?ARE=0&PFL=1&JER=1426
7. The World Bank data – (World Development Indicators Guatemala)
http://databank.worldbank.org/data/views/reports/tableview.aspx |
| Description: | 碩士
國立政治大學
國際經營管理英語碩士學位學程(IMBA)
100933040 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0100933040 |
| Data Type: | thesis |
| Appears in Collections: | [國際經營管理英語碩士學程IMBA] 學位論文
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