財務未來面臨的最大挑戰

最大的挑戰是傳統銀行業務的局限性。許多欠發達地區仍然缺乏物理銀行分支機構

Despite the efforts of organizations like the FDIC to promote financial inclusion, a significant portion of the population in the U.S. remains unbanked, especially in the South and rural areas.

儘管FDIC等組織為促進金融包容而做出了努力，但美國很大一部分人口仍然沒有銀行賬戶，尤其是在南部和農村地區。

According to the Urban Institute, Black Americans are disproportionately affected by unbanked status, with 14% lacking a bank account compared to 5% of White Americans.

根據城市學院的數據，黑人美國人受到未銀行地位的影響不成比例，其中14％的銀行帳戶與5％的白人美國人相比缺乏銀行帳戶。

Moreover, new analysis from the Center on Budget and Policy Priorities (CBPP) of U.S. Bureau of Labor Statistics data shows that, in 2023’s second quarter, Black women over 65 are the poorest demographic group in the richest nation on Earth.

此外，美國勞工統計局的預算和政策重點（CBPP）中心的新分析顯示，在2023年的第二季度，65歲以上的黑人婦女是地球上最富有國家的最貧窮人群。

The report, ‘Poverty Rates Remain Elevated in 2023,’ also found that the unbanked are disproportionately affected by poverty.

該報告“貧困率在2023年保持升高”，還發現未賬戶受到貧困的影響不成比例。

It’s no secret that the American financial system is fundamentally unequal, and these statistics highlight the stark realities of inequality in the U.S.

美國金融體系在根本上是不平等的，這些統計數字尤其強調了美國的不平等現實

The FDIC report also found that lack of trust in banks was the second-most cited main reason for not having an account in 2021.

FDIC報告還發現，對銀行缺乏信任是2021年未擁有帳戶的第二個主要原因。

It is clear that there is a lack of trust in the banking system, which may be due to decades of bank customers facing denial, negligence and greed from the institution.

顯然，對銀行體系缺乏信任，這可能是由於數十年的銀行客戶面臨拒絕，疏忽和貪婪。

The Consumer Financial Protection Bureau described banking access in the southern US as ‘banking deserts’ with no access to credit unions or banks. The unbanked population was almost double in rural areas.

消費者金融保護局將美國南部的銀行業通道描述為“銀行沙漠”，沒有信用合作社或銀行。在農村地區，沒有銀行的人​​口幾乎是兩倍。

In its report on banking access, the Consumer Financial Protection Bureau described the lack of access to credit unions or banks in the southern part of the U.S. as ‘banking deserts.’

消費者金融保護局在有關銀行業務訪問的報告中描述了美國南部的信用合作社或銀行缺乏訪問權限為“銀行沙漠”。

The report, titled ‘Unbanked, Underbanked, and Vulnerable,’ stated that 43% of Black households in the southeastern region of the U.S. were unbanked in 2022, compared to 12% of White households in the same region.

該報告的標題為“沒有銀行賬戶，賬戶不足和脆弱的”，指出，美國東南部地區有43％的黑人家庭在2022年沒有賬戶，而同一地區的白人家庭中有12％。

The unbanked rate was almost double in rural areas compared to urban areas. In addition, the report found that the unbanked were more likely to be younger, less educated, and have lower incomes. They were also more likely to be renters and to have experienced a recent job loss or income reduction.

與城市地區相比，農村地區的無銀行速率幾乎是兩倍。此外，該報告發現，沒有銀行賬戶更年輕，受過較低的教育和收入較低。他們也更有可能成為租房者，並且經歷了最近的工作損失或減少收入。

The report also noted that the unbanked were more likely to use alternative financial services, such as payday loans, tax refund anticipation loans, and money orders. These services could be very expensive and could trap consumers in a cycle of debt.

該報告還指出，無銀行賬戶更有可能使用替代金融服務，例如發薪日貸款，退稅預期貸款和匯票。這些服務可能非常昂貴，並且可能會使消費者陷入債務週期。

The report made several recommendations for increasing financial inclusion, such as expanding access to government benefits programs, investing in financial literacy education, and creating new products and services that met the needs of unbanked consumers.

該報告提出了一些建議，以增加金融包容性，例如擴大獲得政府福利計劃的機會，投資金融識字教育以及創造新的產品和服務，以滿足消費者的需求。

The report also discussed the role of technology in financial inclusion. It noted that technology could be used to expand access to financial services, reduce the cost of financial products and services, and improve the quality of financial products and services.

該報告還討論了技術在金融包容中的作用。它指出，技術可用於擴大獲得金融服務的訪問，降低金融產品和服務的成本，並提高金融產品和服務的質量。

The report concluded that financial inclusion was essential for economic growth and social mobility. It urged policymakers, regulators, and industry stakeholders to work together to increase financial inclusion in the U.S.

該報告得出結論，金融包容對於經濟增長和社會流動性至關重要。它敦促政策制定者，監管機構和行業利益相關者共同努力，以增加美國的金融包容性

Despite the efforts of organizations like the FDIC to promote financial inclusion, a significant portion of the population in the U.S. is still unbanked, especially in the South and rural areas.

儘管FDIC這樣的組織為促進金融包容而做出了努力，但在美國，大部分人口仍然沒有銀行賬戶，尤其是在南部和農村地區。

According to the Urban Institute, Black Americans are disproportionately affected by unbanked status, with 14% lacking a bank account compared to 5% of White Americans.

根據城市學院的數據，黑人美國人受到未銀行地位的影響不成比例，其中14％的銀行帳戶與5％的白人美國人相比缺乏銀行帳戶。

Moreover, new analysis from the Center on Budget and Policy Priorities (CBPP) of U.S. Bureau of Labor Statistics data shows that, in 2023’s second quarter, Black women over 65 are the poorest demographic group in the richest nation on Earth.

此外，美國勞工統計局的預算和政策重點中心（CBPP）的新分析表明，在2023年的第二季度，65歲以上的黑人婦女是地球上最富有國家的最貧窮人群。

The report, ‘Poverty Rates Remain Elevated in 2023,’ also found that the unbanked are disproportionately affected by poverty.

該報告“貧困率在2023年保持升高”，還發現未賬戶受到貧困的影響不成比例。

It’s no secret that the American financial system is fundamentally unequal, and these statistics highlight the stark realities of inequality in the U.S.

美國金融體系在根本上是不平等的，這些統計數字尤其強調了美國的不平等現實