财务未来面临的最大挑战

最大的挑战是传统银行业务的局限性。许多欠发达地区仍然缺乏物理银行分支机构

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.

尽管FDIC等组织为促进金融包容而做出了努力，但美国很大一部分人口仍然没有银行账户，尤其是在南部和农村地区。

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.

根据城市学院的数据，黑人美国人受到未银行地位的影响不成比例，其中14％的银行帐户与5％的白人美国人相比缺乏银行帐户。

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，美国劳工统计局的预算和政策重点中心（CBPP）的新分析表明，在2023年的第二季度，65岁以上的黑人妇女是地球上最富有国家的最贫穷人群。

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

该报告“贫困率在2023年保持升高”，还发现未账户受到贫困的影响不成比例。

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.

美国金融体系在根本上是不平等的，这些统计数字尤其强调了美国的不平等现实

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报告还发现，对银行缺乏信任是2021年未拥有帐户的第二个主要原因。

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.

显然，对银行体系缺乏信任，这可能是由于数十年的银行客户面临拒绝，疏忽和贪婪。

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.

消费者金融保护局将美国南部的银行业通道描述为“银行沙漠”，没有信用合作社或银行。在农村地区，没有银行的人​​口几乎是两倍。

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.’

消费者金融保护局在有关银行业务访问的报告中描述了美国南部的信用合作社或银行缺乏访问权限为“银行沙漠”。

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.

该报告的标题为“没有银行账户，账户不足和脆弱的”，指出，美国东南部地区有43％的黑人家庭在2022年没有账户，而同一地区的白人家庭中有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.

与城市地区相比，农村地区的无银行速率几乎是两倍。此外，该报告发现，没有银行账户更年轻，受过较低的教育和收入较低。他们也更有可能成为租房者，并且经历了最近的工作损失或减少收入。

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.

该报告还指出，无银行账户更有可能使用替代金融服务，例如发薪日贷款，退税预期贷款和汇票。这些服务可能非常昂贵，并且可能会使消费者陷入债务周期。

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.

该报告提出了一些建议，以增加金融包容性，例如扩大获得政府福利计划的机会，投资金融识字教育以及创造新的产品和服务，以满足消费者的需求。

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.

该报告还讨论了技术在金融包容中的作用。它指出，技术可用于扩大获得金融服务的访问，降低金融产品和服务的成本，并提高金融产品和服务的质量。

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.

该报告得出结论，金融包容对于经济增长和社会流动性至关重要。它敦促政策制定者，监管机构和行业利益相关者共同努力，以增加美国的金融包容性

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.

尽管FDIC这样的组织为促进金融包容而做出了努力，但美国的大部分人口仍然没有银行账户，尤其是在南部和农村地区。

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.

根据城市学院的数据，黑人美国人受到未银行地位的影响不成比例，其中14％的银行帐户与5％的白人美国人相比缺乏银行帐户。

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，美国劳工统计局的预算和政策重点中心（CBPP）的新分析表明，在2023年的第二季度，65岁以上的黑人妇女是地球上最富有国家的最贫穷人群。

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

该报告“贫困率在2023年保持升高”，还发现未账户受到贫困的影响不成比例。

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.

美国金融体系在根本上是不平等的，这些统计数字尤其强调了美国的不平等现实