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Access to financial services

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Subido el 21 de agosto de 2008 por EducaMadrid

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Millions of EU citizens do not have access to a basic bank account, a form of financial exclusion which increases their risk of social exclusion and poverty. Prevention and elimination of over-indebtedness and financial exclusion are major elements in the fight against social exclusion and poverty.

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Good morning. I'd like to open a bank account, please. A current account? Yes, please. For 00:00:00
millions of European citizens, this simple banking transaction is unthinkable. Not having 00:00:08
access to a basic bank account is a form of financial exclusion. Financial exclusion means 00:00:13
not being able to do this type of thing, either not having access to financial products or 00:00:19
services or not being able to make use of them. According to a recent study undertaken 00:00:24
by the European Commission, millions of citizens don't have a bank account. Certain European 00:00:29
countries are more affected than others. We're in Warsaw, capital of Poland. According to 00:00:34
the latest Eurobarometer, more than 40% of the population is outside the banking system. 00:00:39
From our research, this problem is not just connected with levels of income, but also 00:00:49
how the people think about financial services. People all the time have a bad attitude toward 00:00:53
financial institutions and towards all financial systems. A good number of Poles prefer to 00:00:59
work with cash. The banking system doesn't yet have everyone's confidence. At a time 00:01:08
when financial services are being modernized at a fast pace, this type of attitude can 00:01:15
lead to stigma and even social exclusion. But for many Europeans, not using banking 00:01:19
services is rarely a choice. In Great Britain, more than 2 million citizens don't have access 00:01:26
to bank accounts, and nearly 7 million don't have access to a form of credit which meets 00:01:32
their needs. Incomes which are too low and a lack of education to understand services 00:01:37
which are sometimes too complicated, for many Europeans, this form of exclusion is often 00:01:43
the start of bankruptcy. Mainstream providers, banks and others, don't often provide products 00:01:47
and services in a way that suits the lifestyles of people on very low incomes, who need to 00:01:55
keep a tight control of their money, often operating cash, pay loans and save very, very 00:02:01
regularly. Although European countries are affected differently by financial exclusion, 00:02:08
the solutions are also many and varied. In Poland, the accent is placed on financial 00:02:13
education. In Great Britain, the government works with the main banks to support the credit 00:02:17
unions, financial organisations which provide a service adapted to people on low incomes. 00:02:22
In Belgium, a law guaranteeing access to basic banking services was passed in 2003. 00:02:28
What's important today is to assess the scale of the situation, to determine what exactly 00:02:37
is the level of financial exclusion in Europe, what solutions exist and which have been implemented. 00:02:41
What's the situation with these solutions at the moment? At a European level, are financial 00:02:49
institutions, the state and public authorities adopting the best solutions to suit their 00:02:56
particular needs? For the European Commission, prevention and elimination of over-indebtedness 00:03:00
and financial exclusion are considered to be a major element in the fight against social 00:03:08
exclusion and poverty. The great challenge now is to define solutions adapted to each 00:03:12
national situation to avoid our citizens falling into the financial abyss. 00:03:20
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Idioma/s:
en
Niveles educativos:
▼ Mostrar / ocultar niveles
      • Nivel Intermedio
Autor/es:
The European Union
Subido por:
EducaMadrid
Licencia:
Reconocimiento - No comercial - Sin obra derivada
Visualizaciones:
771
Fecha:
21 de agosto de 2008 - 13:03
Visibilidad:
Público
Enlace Relacionado:
European Commission
Duración:
03′ 28″
Relación de aspecto:
1.24:1
Resolución:
425x344 píxeles
Tamaño:
8.48 MBytes

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