Financial Inclusion, Regulation, and Education in Sri Lanka

8/10/2019 Financial Inclusion, Regulation, and Education in Sri Lanka

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NMKG Ucrjghe \npfr Yfrgfs

@ghnhignb Ghibusgch, [feubntgch,nhm Fmuintgch gh Yrg Bnhjn

Yndnh Jfbfendn nhmEnhen ]gbnjnrnthn

Hc. 6


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]af Ucrjghe \npfr sfrgfs gs n ichtghuntgch c` taf `crdfrby hndfm Mgsiussgch \npfr sfrgfs:taf hudkfrghe c` taf pnpfrs ichtghufm wgtacut ghtfrruptgch cr ianhef. NMKGs wcrjghepnpfrs rf`bfit ghgtgnb gmfns ch n tcpgi nhm nrf pcstfm chbghf `cr mgsiussgch. NMKG fhicurnefsrfnmfrs tc pcst tafgr icddfhts ch taf dngh pnef `cr fnia wcrjghe pnpfr (egvfh gh tafigtntgch kfbcw). Ycdf wcrjghe pnpfrs dny mfvfbcp ghtc ctafr `crds c` pukbgintgch.

Yueefstfm igtntgch?

Jfbfendn, Y., nhm E. ]gbnjnrnthn. ;=. @ghnhignb Ghibusgch, [feubntgch, nhm Fmuintgch ghYrg Bnhjn. NMKG Ucrjghe \npfr 6>/>1/06


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NMKG Ucrjghe \npfr 6


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NMKG Ucrjghe \npfr 6. Ghtrcmuitgch ................................................................................................................ 9

;. @ghnhignb Ghibusgch gh Ycuta Nsgn? \csgtgchghe Yrg Bnhjn ............................................ = 9. @ghnhignb Bnhmsinpf c` Yrg Bnhjn .............................................................................. 0

=. @ghnhignb Ghibusgch gh Yrg Bnhjn.................................................................................. 7

=.> Niifss tc @ghnhignb Ghstgtutgchs ......... ......... ......... ......... ......... ......... ......... ....... 7 =.; Niifss tc Dubtgpbf @ghnhignb Ghstgtutgchs ........ ......... ......... ......... ......... ......... .. >>

=.9. [fifht Dfnsurfs tc Gdprcvf @ghnhignb Ghibusgch nhm Enps gh taf Yystfd .............. >9

6. @ghnhignb [feubntgch ................................................................................................ >6

6.> @crdnb @ghnhignb Yfitcr ............................................................................... >6 6.; Yfdg- crdnb Yfitcr ...................................................................................... >0

0. @ghnhignb Fmuintgch ................................................................................................. >1

5. Ichibusgchs ............................................................................................................. >1

[f`frfhifs ......................................................................................................................... ;>


5/25

NMKG Ucrjghe \npfr 6. GH][CMVI]GCH

@ghnhignb ghibusgch ans nttrnitfm duia ghtfrhntgchnb nttfhtgch gh rfifht yfnrs nhm anskficdf n prgcrgty gssuf ch dnhy ghtfrhntgchnb pcbgiy nefhmns. Gh taf >7177


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9/25

NMKG Ucrjghe \npfr 6; 1;1< >16 ;,691]ctnb hudkfr c` fbfitrchgi `uhm trnhs`fr `nigbgtgfs ntpcght c` snbf dniaghfs (F@]\CY)

;5,017 ;5,766

Hudkfr c` knhj krnhiafs pfr >


10/25

NMKG Ucrjghe \npfr 670= wfrf fnrby ghgtgntgvfs ky taf ecvfrhdfht tcgdprcvf `ghnhignb ghibusgch gh Yrg Bnhjn (Ianrgtchfhjc nhm Mf Ygbvn ;775, wfrf scdf c` taf gdpcrtnhtecvfrhdfht ghgtgntgvfs murghe tags pfrgcm (Enht ft nb. ;


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18/25

NMKG Ucrjghe \npfr 60 c` >71>, nhm >> c` ;


19/25

NMKG Ucrjghe \npfr 6771: E]_ \rcDgY ;711 nhm taf @ghnhif Nit c` >711, nh ghstgtutgchans tc kf bgifhsfm ns n knhj cr n `ghnhif icdpnhy tc kf fbgegkbf `cr icbbfitghe mfpcsgts`rcd dfdkfrs cr hch-dfdkfrs, fvfh gh taf `crd c` icdpubscry snvghes. Ic-cpfrntgvfscigftgfs (]IIYs nhm I[Ks) nhm Yndurmag Knhjghe Ycigftgfs nrf fxifptgchs tant nrfnbbcwfm tc dckgbgzf snvghes `rcd tafgr dfdkfrs (ns wfbb ns hch-dfdkfrs) uhmfr tafnits tafy nrf rfeubntfm ky. Kut gh prnitgif dnhy HECs dckgbgzf snvghes `rcd tafgrdfdkfrs nt bfnst ns icdpubscry snvghes cr bcnh sfiurgtgfs.

]af ic-cpfrntgvfs suia ns taf ]IIYs nhm I[Ks nrf ecvfrhfm ky taf Ic-cpfrntgvfYcigftgfs Nit c` >75; ndfhmfm ky taf Nit c` >719 nhm >77; nhm rfeubntfm ky tafMfpnrtdfht c` Ic-cpfrntgvf Mfvfbcpdfht. ]af ic-cpfrntgvfs rfegstfrfm uhmfr tags nitnrf nbbcwfm tc rfifgvf mfpcsgts `rcd tafgr dfdkfrs ns wfbb ns `rcd hch-dfdkfrs.Acwfvfr, taf bnij c` prumfhtgnb rfeubntgch c` tafsf scigftgfs gs c`tfh n knrrgfr gh tfrdsc` nttrnitghe mfpcsgts `rcd hch-dfdkfrs ch n bnref sinbf (DiEugrf, Ichrcy, nhm]anpn >771: E]_ \rcDgY ;776. Yndurmag gsiurrfhtby chf c` taf bnrefst dgirc`ghnhif prcernds gh taf icuhtry, cpfrntghe tarcuea nhftwcrj c` >,


20/25

NMKG Ucrjghe \npfr 6).

Gh Yrg Bnhjn, dfnsurfs tc fhanhif `ghnhignb bgtfrniy anvf kffh rntafr nm aci gh hnturfnhm tafrf gs hc hntgchnb pcbgiy ch `ghnhignb fmuintgch. Pnrgcus f``crts anvf kffh dnmfky sfrvgif prcvgmfrs suia ns D@Gs nhm IKCs tc ghirfnsf `ghnhignb nwnrfhfss nhmmfvfbcp `ghnhignb sjgbbs, kut cvfrnbb, dfnsurfs ch `ghnhignb fmuintgch ngdfm nt bcw-ghicdf acusfacbms rfdngh ghnmfquntf. ]af IKYB nbsc pbnys nh gdpcrtnht rcbf ghsfhsgtgzghe taf pukbgi tc taf rfegstfrfm `ghnhignb ghstgtutgchs (uhmfr taf rfeubntgch nhmsupfrvgsgch c` taf IKYB) nhm tc taf rgsjs c` ghvfstghe wgta uhrfegstfrfm `ghnhignbghstgtutgchs, \chzg siafdfs, fti. ]af Ifhtrnb Knhj nbsc `rcd tgdf tc tgdf gssufsigriubnrs, hfwspnpfr nmvfrtgsfdfhts `fnturghe rfegstfrfm `ghnhignb ghstgtutgchs, nhmsfhsgtgzfs taf pukbgi tc f-knhjghe, g.f., snvghes ky taf dckgbf knhjghe nrds c` scdficddfrignb knhjs, f-insa rfdgttnhifs, fti. Mfspgtf suia f``crts, taf usf c` f-pnydfhtsfrvgifs, N]D sfrvgifs, fti., rfdnghs bcw. ]ags gs muf gh pnrt tc n bnij c` jhcwbfmefnkcut tafsf prcmuits ndche taf dnocrgty c` acusfacbms, nhm bcw-ghicdf ercups ghpnrtgiubnr. 1 Dcrfcvfr, `gfbm rfsfnria ich`grds tant jhcwbfmef nkcut ghtfrfst rntfsianrefm ky `ghnhignb ghstgtutgchs nhm bcnh rfpnydfht ichmgtgchs rfdnghs vfry bgdgtfmndche bcw-ghicdf acusfacbms.

Gh taf nkcvf ichtfxt, gt gs c` prgdf gdpcrtnhif tc gdprcvf `ghnhignb fmuintgch ndcheacusfacbms, gh pnrtgiubnr tacsf `rcd bcw-ghicdf ercups. ]ags gs pnrtgiubnrby hfifssnryegvfh taf ercwta nhm dubtgpbgigty c` `ghnhignb ghstgtutgchs, taf ghirfnsf gh dubtgpbfkcrrcwghe, nhm taf ichsfqufht rgsf gh acusfacbm mfkt. @ghnhignb fmuintgch inh pbny nhgdpcrtnht rcbf gh afbpghe ibgfhts uhmfrstnhm taf mftngbs c` `ghnhignb sfrvgifs nhmprcmuits, bcnh rfpnydfht ichmgtgchs, ghtfrfst rntfs, nhm tafgr rfpnydfht inpnigty,tafrfky prctfitghe tafd `rcd cvfr-kcrrcwghe nhm kficdghe cvfr-ghmfktfm.

5. ICHIBVYGCHY

Yrg Bnhjn fhocys n agea bfvfb c` niifss tc `ghnhignb ghstgtutgchs icdpnrfm wgta taf ctafrYcuta Nsgnh icuhtrgfs. Gts `ghnhignb sfitcr icdprgsfs n wgmf rnhef c` `ghnhignb

1 @ghnhignb fmuintgch bnes kfaghm `ghnhignb ghhcvntgch nhm hfw prcmuits. ]af G] bgtfrniy rntf gs stgbb chby96% gh Yrg Bnhjn nhm wgta taf ercwghe G]`ghnhif hfxus, `ghnhignb nwnrfhfss nhm fmuintgch anvfkficdf nbb taf dcrf gdpcrtnht.

>1


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22/25

NMKG Ucrjghe \npfr 6<

Mfsgehghe taf rgeat rfeubntcry gh`rnstruiturf nhm pcbgiy dgx gs nbsc iruignb `cr niagfvghe`ghnhignb ghibusgch. ]ags rfqugrfs `ghmghe taf rgeat knbnhif kftwffh prctfitghe ibgfhtsnhm `cstfrghe nh fhvgrchdfht tant fhicurnefs `ghnhignb ghibusgch. ]af iurrfhtrfeubntcry `rndfwcrj c` Yrg Bnhjns dgirc`ghnhif sfitcr gs `rnedfhtfm, wgta mg``frfhttypfs c` D@Gs kfghe rfeubntfm nhm supfrvgsfm ky mg``frfht bnws nhm kcmgfs. Dcrfcvfr,HECD@Gs `nif bfenb rfstrgitgchs ch niifptghe mfpcsgts `rcd tafgr dfdkfrs, dnjghetafd afnvgby mfpfhmfht ch fxtfrhnb `uhms. Gh tags ichtfxt, gt gs gdpcrtnht tc nbbcw D@Gstc niifpt mfpcsgts `rcd tafgr ibgfhts tc fhsurf taf ghstgtutgchs vgnkgbgty, wagbfsupfrvgsghe tafd uhmfr n scuhm rfeubntcry `rndfwcrj tc fhanhif taf mfpcsgtcrsirfmgkgbgty. [feubntgchs sacubm kf mfsgehfm tc fhnkbf D@Gs tc rngsf `uhms `rcd dubtgpbfscurifs tc fhnkbf tafd tc irfntf n mgvfrsf dgx c` `ghnhignb prcmuits wgta npprcprgntfrgsj dnhnefdfht. \cbgigfs sacubm kf mfsgehfm tc ghifhtgvgzf eccm `ghnhignbpfr`crdnhifsuksgmgfs `rcd taf ecvfrhdfht nhm mchcrs sacubm kf usfm tcicdpbfdfht kut hct icdpftf wgta prgvntf inpgtnb. Gh nmmgtgch, rfeubntcry gh`rnstruiturfsacubm fhicurnef tfiahcbceginb ghhcvntgchs suia ns dckgbf knhjghe tc afbp gdprcvf`ghnhignb ghibusgch gh Yrg Bnhjn.

>< Fstnkbgsaghe n Dgirc`ghnhif Irfmgt Gh`crdntgch Kurfnu prfsfhts dnhy ianbbfhefs, fvfh gh Knhebnmfsa,n`tfr dnhy yfnrs c` fxpfrgfhif wgta dgircirfmgt (Gsbnd ;=).

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Financial Inclusion, Regulation, and Education in Sri Lanka

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