摘要：Well-designed financial services and products can help individuals and communities
meet financial needs and build assets to achieve economic prosperity. However,
millions of consumers, and particularly those with lower incomes and net worth, are
still relying on services and products that restrain their ability to accumulate wealth.
Based on the recent “National Survey of Unbanked and Underbanked Households,”
by the Federal Deposit Insurance Corp., an estimated 7.7 percent of U.S. households, approximately
9 million, are unbanked. In addition, an estimated 17.9 percent of households,
or roughly 21 million, are “underbanked”—they have a transaction account
but seldom use it. Alternative financial service providers—payday lenders, pawnshops,
check cashing outlets—have become a multibillion-dollar industry by filling a gap that
mainstream financial institutions are not meeting.
Loading...
