unbanked

简明释义

英[ʌnˈbæŋkt]美[ʌnˈbæŋkt]

[金融] 无银行账户

英英释义

单词用法

同义词

反义词

例句

1.The result is that the unbanked (whether by choice or by necessity) have options for many financial services without the need for a bank.

结果是，没有银行账户的人(不管是自己选择还是迫不得已)有更多的金融服务方案，而不再需要银行。

2.Most banks are trying to reach the “unbanked”.

大部分银行正在努力接触那些没有银行业务的人。

3.Just as the unbanked need MSBs, so MSBs need Banks: without access to payments systems, they cannot clear cheques or wire cash.

如同无银行者需要现金服务企业，现金服务企业也需要银行：如果不能使用支付系统，他们就不能结算支票或汇款。

4.Mango is aiming at an unglamorous market, the unbanked.

芒果财政的目标指向一个乏味的市场——无银行账户的群体。

5.A simplified kind of account called Mzansi was launched in 2004 to reach the unbanked, and portable banks and ATMs have been rolled out in townships and in the countryside.

一个非常简单的帐户Maznsi在2004年推向市场，服务于那些没有被银行体系覆盖的地区。而移动银行和ATM机已经在城镇和乡村铺展开来。

6.Millions of the "unbanked" will join the formal banking system.

无数的“无银行账户者”将加入到金融体系中。

7.Small wonder that the most common reason given by unbanked households for not having an account was not having enough money to feel they needed one (see chart).

未办理银行业务的家庭给出的最普遍的理由是，他们觉得自己没有那么多余钱，所以没有必要办理银行业务。部分人对此回答，感到惊奇。

8.All this has the potential to give the "unbanked" masses access to financial services, and bring them into the formal economy.

所有这些都有可能为“不爱去银行的”人们提供金融服务，享受到正规必要的经济生活。

9.A simplified kind of account called Mzansi was launched in 2004 to reach the unbanked, and portable banks and ATMs have been rolled out in townships and in the countryside.

一个非常简单的帐户Maznsi在2004年推向市场，服务于那些没有被银行体系覆盖的地区。而移动银行和ATM机已经在城镇和乡村铺展开来。

10.The unbanked often face higher fees for financial services compared to those with bank accounts.

与有银行账户的人相比，无银行账户的人通常面临更高的金融服务费用。

11.The government is implementing programs to help the unbanked population gain financial literacy.

政府正在实施项目，以帮助无银行账户的人群提高金融知识。

12.Nonprofit organizations are working to provide resources for the unbanked to open bank accounts.

非营利组织正在努力为无银行账户的人提供开设银行账户的资源。

13.Mobile banking solutions are a great way to reach the unbanked individuals who rely on cash transactions.

移动银行解决方案是接触依赖现金交易的无银行账户个人的好方法。

14.Many people in rural areas are still unbanked, meaning they do not have access to traditional banking services.

许多农村地区的人仍然是无银行账户的，这意味着他们无法获得传统银行服务。

作文

In today's world, financial inclusion is a crucial aspect of economic development. However, there remains a significant population that is classified as unbanked. The term unbanked refers to individuals who do not have access to traditional banking services, such as checking or savings accounts. This lack of access can lead to various challenges, making it difficult for these individuals to manage their finances effectively. The reasons behind being unbanked can vary widely. For some, it may stem from a lack of trust in financial institutions, often due to past negative experiences or a belief that banks are not designed for people like them. Others may find the requirements for opening a bank account, such as identification and minimum balance fees, to be barriers they cannot overcome. Additionally, many unbanked individuals may live in rural areas where banks are not easily accessible, forcing them to rely on cash transactions.The consequences of being unbanked can be severe. Without access to banking services, individuals often resort to alternative financial services, such as payday loans or check-cashing services, which can come with exorbitant fees and high-interest rates. This can trap them in a cycle of debt, making it even more challenging to achieve financial stability. Furthermore, being unbanked limits one's ability to build credit, save for emergencies, or invest in opportunities that could improve their financial situation.Efforts to address the issue of the unbanked population have gained momentum in recent years. Financial institutions, non-profits, and governments are working together to create programs aimed at increasing access to banking services. For example, some banks have started offering low-cost accounts with no minimum balance requirements, making it easier for individuals to open an account. Additionally, educational initiatives are being implemented to inform people about the benefits of having a bank account and how to navigate the banking system.Technology also plays a pivotal role in bridging the gap for the unbanked. Mobile banking applications and digital wallets have emerged as viable alternatives, allowing individuals to manage their money without the need for a physical bank branch. These innovations have the potential to reach those who may have previously been excluded from the financial system, providing them with tools to save, transfer money, and make payments securely.In conclusion, the issue of the unbanked population is a complex challenge that requires a multifaceted approach. By understanding the barriers that prevent individuals from accessing banking services and implementing solutions that cater to their needs, we can work towards a more inclusive financial system. It is essential to continue raising awareness about the importance of financial literacy and the benefits of banking, ultimately empowering those who are currently unbanked to take control of their financial futures.

在当今世界，金融包容性是经济发展的一个关键方面。然而，仍然有相当一部分人口被归类为无银行账户。该术语无银行账户指的是没有访问传统银行服务的个人，例如支票或储蓄账户。这种缺乏访问权限可能会导致各种挑战，使这些人难以有效管理他们的财务。成为无银行账户的原因可能各不相同。对一些人来说，这可能源于对金融机构缺乏信任，通常是由于过去的负面经历或认为银行并不适合像他们这样的人。其他人可能发现开设银行账户的要求，例如身份证明和最低余额费用，是他们无法克服的障碍。此外，许多无银行账户的人可能生活在偏远地区，银行不易获得，迫使他们依赖现金交易。成为无银行账户的后果可能是严重的。没有访问银行服务的能力，个人往往不得不求助于替代金融服务，例如发薪日贷款或支票兑现服务，这些服务可能伴随着高额费用和高利率。这可能使他们陷入债务循环，使实现财务稳定变得更加困难。此外，成为无银行账户限制了个人建立信用、为紧急情况储蓄或投资改善其财务状况的机会。近年来，解决无银行账户人口问题的努力逐渐增多。金融机构、非营利组织和政府正在共同努力创建旨在增加银行服务获取的项目。例如，一些银行已开始提供低成本账户，没有最低余额要求，使个人更容易开设账户。此外，正在实施教育倡议，以告知人们拥有银行账户的好处以及如何导航银行系统。技术在弥合无银行账户这一差距中也发挥着关键作用。移动银行应用程序和数字钱包作为可行的替代方案出现，使个人能够在无需实体银行分支的情况下管理他们的资金。这些创新有潜力接触到那些可能之前被排除在金融系统之外的人，为他们提供安全储蓄、转账和付款的工具。总之，无银行账户人口的问题是一个复杂的挑战，需要多方面的方法。通过了解阻止个人获取银行服务的障碍并实施满足其需求的解决方案，我们可以朝着更具包容性的金融体系迈进。继续提高对金融知识重要性和银行好处的认识至关重要，最终赋予那些目前无银行账户的人掌控自己财务未来的能力。