INCLUSIÓN FINANCEIRA: DIAGNÓSTICO DA SITUACIÓN EN AMÉRICA LATINA E O CARIBE

Abstract

Nos últimos anos multiplicáronse os esforzos a nivel mundial por favorecer o acceso aos

servizos financeiros especialmente en determinados países e para determinados

colectivos, incrementándose o interese pola construción de sistemas financeiros

incluíntes.

Neste trabajo analízase a inclusión financeira, estudando as súas diferentes dimensións, os

beneficios que comporta, o seu carácter prioritario nos últimos tempos para multitude de

organismos e os obstáculos ao seu desenvolvemento. Concretamente, centrouse a

atención na súa evolución na rexión de América Latina e o Caribe, comprobándose que, en

xeral, trátase dunha rexión cun acceso ao sistema financeiro en desenvolvemento e no que

persisten aínda desigualdades no ámbito social. Porén, albíscase un potencial significativo

de mellora froito especialmente da evolución tecnolóxica e do esforzo dos organismos

implicados.

In the past years global efforts to increase access to financial services have been

multiplied especially in certain countries and for certain groups, growing the interest in

the construction of financial inclusive systems.

The financial inclusion is analyzed, studying their different dimensions, its benefits, its

priority character in recent times for many institutions and the obstacles to its

development. In particular, attention has focused on its evolution in the region of Latin

America and the Caribbean, proving that, in general it is a region with access to the

developing financial system and in which inequalities in the social sphere still exist.

However, a significant potential for improvement is emerging, especially as a result of the

technological evolution and the effort of the institutions involved.