印度网友评：1.9亿印度成人没有银行账户，仅次于中国

19 crore Indian adults don't have bank account: World Bank

世界银行：1.9亿印度成人没有开通银行账户

WASHINGTON: India has 19 crore adults without a bank account despite the success of the ambitious Jan Dhan Yojana, making it the world's second largest unbanked population after that of China, the World Bank said on Thursday.

华盛顿:世界银行周四表示，尽管雄心勃勃的普惠金融计划成功了，但印度仍有1.9亿成人没有银行账户，使其成为继中国之后世界上第二大无银行账户人口的国家。

Besides, almost half of the bank accounts remained inactive in the past year, the multilateral financial institution said in a report, even as it lauded the Indian government's financial inclusion scheme, the Jan Dhan Yojana, for bringing in additional 31 crore Indians into formal banking system by March 2018.

此外，尽管世界银行对印度政服的普惠金融计划表示赞赏，此计划在2018年3月前在正式银行体系中新增了3.1亿印度人，这个多边金融机构在一份报告中表示，过去一年中几乎有一半的银行账户处于不活跃状态。

It also said the country's adult population with a bank account has more than doubled to 80 per cent since 2011. The Jan Dhan Yojana was launched by the Modi government in 2014.

该机构还表示，自2011年以来，该国拥有银行账户的成年人口接近翻倍，增长了80%。2014年，莫迪政服推行普惠金融计划。

According to the latest Global Findex Database released by the World Bank on the sidelines of the annual Spring meeting of the International Monetary Fund and the World Bank, 11 per cent of the world's unbanked adults are in India.

世界银行在国际货币基金组织和世界银行年度春季会议期间发布的最新全球Findex数据库显示，全球有11%的无银行账户的成年人在印度。

Globally, 69 per cent of adults - 3.8 billion people - now have an account at a bank or mobile money provider, a crucial step in escaping poverty.

在全球范围内，69%的成年人——38亿人——都在银行或流动资金供应商拥有账户，这是摆脱贫困的关键一步。

This is up from 62 per cent in 2014 and just 51 per cent in 2011. From 2014 to 2017, 515 million adults obtained an account, and 1.2 billion have done so since 2011, according to the Global Findex database.

这一比例高于2014年的62%和2011年的51%。根据全球Findex数据库，从2014年到2017年，有5.15亿成年人开通了账户，从2011年开始算的话，已经有12亿人开通了账户。

The bank said China and India, despite having relatively high account ownership, claim large shares of the global unbanked population because of their sheer size.

该银行表示，尽管中国和印度开通账户的人数较多，但由于庞大的人口规模，还是在全球无银行账户人口中占据了较大比例。

Home to 225 million adults without an account, China has the world's largest unbanked population, followed by India (190 million or 19 crore), Pakistan (100 million), and Indonesia (95 million).

中国有2.25亿成年人没有账户，是无银行账户人口最多的国家，其次是印度(1.9亿)、巴基斯坦(1亿)和印度尼西亚(9500万)。

The Modi government's massive push in 2014 to increase account ownership through biometric identification cards has benefited traditionally excluded groups, the World Bank said, but expressed concern that almost half of account owners have an account that remained inactive in the past year.

世界银行表示，莫迪政服在2014年大力推动通过生物识别身份证增加开户人数，这让长期被边缘化的群体受益匪浅。但世界银行也表示了对近半数账户在过去一年中属于休眠账户的担忧。

Part of the explanation might be India's Jan-Dhan Yojana scheme, developed by the government to increase account ownership, brought an additional 310 million Indians into the formal banking system by March 2018, many of whom might not yet have had an opportunity to use their new account, it said.

部分原因可能是印度政服推行的普惠金融计划，旨在增加开户人数，截止2018年3月，有3.1亿新增储户纳入正式的银行系统，其中许多人可能还没有机会使用新账户。

印度时报网友评论：

Dr Love

12822

Dr Love-Everywhere-2 days ago

Around 900 million indians don''t have toilets.

有9亿印度人没有厕所

 

Appa Durai

25292

Appa Durai-2 days ago

several people are now closing their accounts as they are not able bear transaction and default charges

很多人现在都销户了，他们付不起交易手续费和违约金。

 

Rajat Bhalla

1147

Rajat-Noida-2 days ago

On the whole, I feel proud on this news, means around 85% guyss have a bank that means arounf 110 crore guys. This is a record breaking guys. Good job govt. Next time again its MODI.

总的来说，我对这个消息感到自豪，这意味着大约85%的人有账户，这就是11亿人。这是破纪录的。政服干得不错，下次还要选莫迪。

 

Guy Max

10366

Guy-3rdRockFromTheSun-2 days ago

National Employability Report 2015: 80% Engineers in India are Unemployable. So then can you imagine the plight of those who are less educated. Without jobs where can anyone find money to put in their bank accounts?

2015年全国就业能力报告:印度80%的工程师无法就业。那么你能想象那些受教育程度低的人的困境吗?没有工作，谁有钱存入银行账户?

 

Rajat Bhalla

1147

Rajat-Noida-2 days ago

Goood, if you see at another angle, that means around 85% have a bank account out of 125 crore population. Good job govt.

很好，如果从另一个角度看，12.5亿人口中有85%的人有银行账户。印度政服棒棒哒。

 

Ivan Bigger

27336

Ivan Bigger-Trump Manor-2 days ago

Nirav modii was very happy when he heard this news...

莫迪听到这个消息会很高兴的。

 

Ulhas Kulkarni

18707

Ulhas-Navi Mumbai-2 days ago

The country has a phenomenal number of differently abled including blind, beggars etc. Good can't have address proofs. One wonders HOW they will open bank accounts.

这个国家有很多残疾人，包括盲人、乞丐等，他们没有住址证明。他们如何开设银行账户。

 

Rajkripal40

6050

rajkripal40-2 days ago

Why do we need a bank account? If we don''t have money to deposit, do not have any transactions to make we leave them inactive even if we open one. We do not have toilets, youths are jobless, Than Than Yojana is such a big hoax. It is no wonder that such a big number of accounts are inactive

我们为什么需要银行账户?如果我们没有存款，不用进行任何交易，即使我们开了账户，也是休眠账户。我们没有厕所，年轻人没有工作，比金融普惠是个大骗局。难怪这么多账户是休眠账户。

 

Chalu Pande

7910

Chalu-Earth-2 days ago

in 2014, 60 crore Indian didn't had bank account..

2015年有6亿印度人没有银行账户。

 

Asif Vahora

6318

asif vahora-2 days ago

Bank account is actually for motivating poor n middle class to save money by hard work and so government can use it to loan to Nirav modi, Malya and Adani, Ambani types of people.

银行账户是要鼓励穷人和中产阶级努力工作、存钱，这样政服可以用这些钱贷款给莫迪、马尔雅、阿达尼、安巴尼这种人。

 

Wideangle

3601

Wideangle-2 days ago

does everyone need a bank account? so many Indians do not need a bank account and so do not have it. Should everyone open accounts to please the World Bank?

难道每个人都需要银行账户？那么多印度人不需要也没有银行账户。难道每个人都要申请银行账号，讨世界银行的欢心吗？

 

P I G H U N T E R

1581

P I G H U N T E-Ahmedabad-2 days ago

Can any Congressi give figures before 2014?

有没有国大党的人提供2014年以前的数据？

 

P I G H U N T E R

1581

P I G H U N T E-Ahmedabad-2 days ago

I think this report is submitted by Congress to World Bank

我觉得这个报告应该是国大党提供给世界银行的

 

Santimay Basu

11194

Santimay Basu-New Delhi-2 days ago

Many of those having joint account, do not feel the need for individual accounts.

那些人中有很多都有联名账户，他们觉得个人账户没用。

 

Sunil Arora

5548

Sunil Arora-2 days ago

World Bank has this data where as our FM (feku minister)has no any data how shamme for our country

世界银行掌握了这些数据，但是我们的总理没有这些数据，印度太丢脸了吧。

 

Ashok Nayak

1846

Ashok Nayak-2 days ago

My mother, two sisters and my wife does not have bank accounts....so whats the problem....they are not doing job and its is not mandatory to have bank accounts...

我的母亲，两个妹妹还有我的太太都没有银行账户。有问题吗？她们不工作，根本不需要银行账户。

 

Amaria Amaria-2 days ago

Why world bank is conducting research without interest... Why world bank is so much interested in Indian people suddenly.???

为什么世界银行在没有好处的情况下做这种研究？为什么世界银行突然对印度人这么感兴趣？

 

Natarajan D

12913

Natarajan D-TN-2 days ago

Most of these accounts are not active but people have bank accounts,that is a welcome sign

这些账户中大多数都是休眠账户，但是人们开通了银行账户，就已经是一个值得欢迎的迹象了。

 

Benison

1661

benison-UAE-2 days ago

And they will not publish the numbers who don''t have a bank account in USA ?????
Because they are scared .

他们为什么不公布美国无银行账户人的数据？

因为他们很害怕。

 

RapePublic Of India

10257

RapePublic of India-2 days ago

Why do you need bank account? Constitution doesn’t imposes.

你们为什么需要银行账户？宪法又不要求。

 

PRASANNA KUMAR Mishra

1414

Prasanna-2 days ago

Who gives these data's to world bank. May not be correct information.

谁把这些数据提交给世界银行的？数据可能有误。

 

Batman

4469

Batman-Da Good OL USA-2 days ago

Its 38 crores dont have account ...plus 50 crore dont have working toilets.....NEED STRICT 1 CHILD POLICY ENFORCED.......

实际上应该是3.8亿人没有银行账户，要加上5亿人没有厕所。印度应该严格执行独生子女政策。

 

Dilip

9063

Dilip-2 days ago

Lower middle class non working girls till marriage and most of the non working ladies don''t have bank accounts. Similarly college boys from the same class normally don''t open their accounts till starting a job/ profession.

中产阶级下层的不工作的女孩结婚前，还有大多数的不工作妇女都没有银行账户。同样的，来自同一个阶层的大学男生通常在开始工作之前都没有开通账户。

 

Abhishek Singh

130

Ashutosh singh-Allahabad-1 day ago

Now it''s up to the holder''s to take care of their bank transactions. Government can''t do everything,it has it''s own limits.

现在轮到账户持有人来处理他们的银行交易了。政服不能插手任何事，什么事都有自己的限度。

 

Human Being

4255

Human Being-This world-2 days ago

Does it mean that they are all poor? Not necessary !

这是说这些人都是穷人吗？不全对吧！

 

Roopesh Nadar

1369

Roopesh Nadar-Nadar-2 days ago

More than 20 crore Indian men never have a female partner in their life

超过2亿印度男人一生中都找不到女性伴侣

 

Kvs Sarma

9255

Kvs-2 days ago

most of them must be married dependent women who don't need bank accounts of their own.

他们中的大多数肯定是已婚的，不需要自己银行账户的妇女。

 

Godfather Senior

1616

Godfather Senior-2 days ago

Either they dont require one or they do not earn sufficiently to keep the minimum balance!

要么他们不需要，要么他们挣得不够多，无法保持最低余额要求!

 

Kothalo Devan

4709

Kothalo-Mars-2 days ago

no food to eat after paying 18% and 28% sale tax, then income tax, then TDS , then Special ED, GST was supposed to be one nation one tax but that's not how things are practically. the number of people with bank account will increase.

在支付了18%和28%的销售税之后，已经所剩无几了，然后是所得税，然后是预扣所得税，商品销售服务税本该是一国一税，但实际并非如此。有银行账户的人数会增加的。

 

Manish Pujara

3919

manish pujara-2 days ago

first people need money for bank account and money come from job and earning saving when people have not job and saving than how can open bank account. people required thing if there is need and desire--want

first people need money for bank account and money come from job and earning saving when people have not job and saving than how can open bank account. people required thing if there is need and desire--want

首先，人们需要有钱，才能存银行，钱从工作和储蓄中来，而当人们没有工作和储蓄的时候，他们需要的是工作和储蓄，而不是银行账户。如果对什么东西有需求和渴望——想要，人们才需要这些东西。