why banks in emerging markets are increasingly providing non-financial services to small and medium...
Post on 05-Apr-2018
219 Views
Preview:
TRANSCRIPT
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
1/64
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
2/64
Wonq nem{fcwnme" yonbd kcqdg me qmt{adq wocw N@A ameqngd{q wm kd {dbnckbd" nq emw itc{cewddg cq wm
caat{ca~ ceg gmdq emw |t{|m{w wm kd amf|bdwd% Wonq nem{fcwnme qocbb emw kd ameqw{tdg" nf|bnanwb~ m{
dx|bnanwb~" cq amewcnenei ce~ nepdqwfdew {damffdegcwnmeq" ceg" caam{gneib~" N@A nq emw {dinqwd{dg tegd{
wod T%Q% Nepdqwfdew Cgpnqd{q Caw m 3>7
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
3/64
Wckbd m Amewdewq@m{dym{g 4
New{mgtawnme 0
\C[W 3: HD^ @NEGNEIQ
Fdwomgmbmi~ ?
Qtffc{~ >
AOC\WD[ 3: Tegd{qwcegnei Kceh Mkjdawnpdq ceg Fmwnpdq 3
BNQW M@ WCKBDQ
Wckbd 3: Kcehq Newd{pndydg k~ [dinme" Amtew{~" ceg Kceh Wnd{ ?
Wckbd ;: W~|mbmi~ m Eme`eceancb Md{neiq 31
Wckbd 1: Cgpnad ceg Itngcead wo{mtio Caamtew Fcecid{q 37
Wckbd 7: Gdwcnbq m Kceh W{cnenei \{mi{cfq 39
Wckbd 4: Dxcf|bdq m @ddq ceg @neceancb Qtqwcnecknbnw~ 3>
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
4/64
YO^ KCEHQ NE DFD[INEI FC[HDWQ C[D NEA[DCQNEIB^ \[MPNGNEI
EME&@NECEANCB QD[PNADQ WM QFCBB CEG FDGNTF DEWD[\[NQDQ;
\C[W ;: ACQD QWTGNDQ
W[H DHMEMFN KCEHCQN /WDK. ;4
New{mgtawnme ;0
Kcahi{mteg ;9
Gdpdbm|nei ce QFD Kcehnei Qw{cwdi~ ;?
Tegd{qwcegnei wod Wt{hnqo QFD Kcehnei Abndew ;>
@m{fcwnme m WDKq Pcbtd \{m|mqnwnme wm QFDq ;>
Gdqnienei ceg [mbbnei Mtw Edy Eme`eceancb Qd{pnadq 1>;;
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
5/64
QWCEGC[G AOC[WD[DG KCEH /QAK. 1>
New{mgtawnme 77$ m kcehq negnacwdg wocw wodn{ fcne mkjdawnpd ne
|{mpngnei emeeceancb qd{pnadq wm QFDq nq wm gnd{dewncwd
wodfqdbpdq {mf wod amf|dwnwnme% Mwod{ kceh mkjdawnpdq
neabtgd nf|{mpnei abndew {dwdewnme" |m{wmbnm i{mywo" ceg
atqwmfd{ qd{pnad /qdd @nit{d 3.% Wod fcjm{nw~ m wod kcehq
newd{pndydg negnacwdg wocw wod fcjm{ nea{dcqd ne wodn{
emeeceancb qd{pnad cawnpnw~ acfd ckmtw ne wod |cqw med
wm pd ~dc{q%
@nit{d 3: Kcehq Mkjdawnpdq m{ Md{nei
Eme`eceancb Qd{pnadq wm QFDq
$
m wod ;3 kcehq {d|m{wdg wocw wod~ ace ngdewn~ qtandew
qd{pnad |{mpngd{q m{ at{{dew eddgq% Dxcf|bdq m |c{wed{
qd{pnad |{mpngd{q c{d w{cnenei neqwnwtwnmeq" ameqtbwnei {fq"
impd{efdew w{cnenei neqwnwtwnmeq" m{ emeimpd{efdewcb
m{icenzcwnmeq /EIMq.%
QD[PNADQ M@@D[DG @M[ @[DD M[ CW QTKQNGNZDG
[CWD
Wod fcjm{nw~ m wod emeeceancb qd{pnadq md{dg k~ wod
;3 kcehq wm QFDq c{d {dd m{ md{dg cw c {dgtadg {cwd%
Fmqw m wod kcehq newd{pndydg gm emw amegtaw {dwt{e
me nepdqwfdew /[MN. acbatbcwnmeq m{ wodn{ QFD eme
eceancb qd{pnad md{neiq m{ tqd cbwd{ecwnpd stcewnwcwnpd
fdcqt{dfdewq wm gdwd{fned wod ddawq m emeeceancb
qd{pnadq me wodn{ mye |{mwcknbnw~ m{ me wodn{ QFD abndewq
ktqnedqq |{mwcknbnw~% Omydpd{" wod kcehq ngdewndg wod
eddg wm fmpd ne wonq gn{dawnme ne wod twt{d%
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
12/64
YO^ KCEHQ NE DFD[INEI FC[HDWQ C[D NEA[DCQNEIB^ \[MPNGNEI
EME&@NECEANCB QD[PNADQ WM QFCBB CEG FDGNTF DEWD[\[NQDQ37$.% Fce~ m wod kcehq amepd~dg wocw
wodn{ fcne imcb nq wm kd |mqnwnmedg cq wod kceh wocw qt||m{wq
dew{d|{dedt{qon| ceg wod kceh wocw nq QFDq fcne |c{wed{
m{ i{mywo% Mwod{ kceh mkjdawnpdq neabtgd wod mbbmynei:
Nf|{mpd abndew {dwdewnme /0>$.
Nf|{mpd |m{wmbnm i{mywo /4
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
13/64
\C[W 3: HD^ @NEGNEIQ33
{cwd nq ;$" cq amf|c{dg wm wod Fcadgmence fc{hdw bdpdb
m 3
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
14/64
YO^ KCEHQ NE DFD[INEI FC[HDWQ C[D NEA[DCQNEIB^ \[MPNGNEI
EME&@NECEANCB QD[PNADQ WM QFCBB CEG FDGNTF DEWD[\[NQDQ3;
Kcehq qd{pd fcneb~ at{{dew abndewq" ktw cbqm
|{mq|dawnpd abndewq Qdbodb| nem{fcwnme nq md{dg
wm cbb QFDq% Omydpd{" 9
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
15/64
\C[W 3: HD^ @NEGNEIQ31
Wckbd ;: W~|mbmi~ m Eme`eceancb Md{neiq
Caamtew Fcecid{Qt||m{w Nem{fcwnme Gnqqdfnecwnme W{cnenei Ameqtbwnei Qd{pnadq
Cgpnad ceg ktqnedqqcqqdqqfdewq {mfcaamtew fcecid{q
Amf|twd{ qmwyc{d ceg Ydkkcqdg QFD nem{fcwnme|bcwm{fq /d%i%" N@A QFD Wmmbhnw m{ K;K |bcwm{f.
W{cgd cn{q
[mcg qomyq
QFD Dx|m qd{ndq
[dcbnw~ wdbdpnqnme qomyq
QFD Dxadbbdead Cyc{gq
Edwym{hnei dpdewq
Qoc{nei negtqw{~q|dana |tkbnacwnmeq ceg fdgnc c{wnabdq
Edimwncwdg gnqamtewq m{ ktqnedqq qmbtwnme /d%i%"qmwyc{d. |{mpngd{q
Ym{hqom|-qdfnec{ w{cneneiwo{mtio ktqnedqq abtkq
W{cnenei wo{mtio N@AKtqnedqq Dgid
W{cnenei {dd{{cbq wm w{cneneineqwnwtwnmeq" nem{fcwnmewdaoembmi~ {fq"eme|{mwq" tenpd{qnwndq" cegmwod{q
Q|dancbnzdg w{cnenei|{mi{cfq m{ ymfde QFDmyed{q /N@A IDF.
Cgpnad ceg itngceadwo{mtio ktqnedqqabtkq m{ wo{mtio|c{wed{qon|q ynwoktqnedqq fdewm{q m{amcaodq
AOC\WD[ ;
Tegd{qwcegnei wod Qt||b~ Qngd m
Eme&`eceancb Kceh Md{neiqKcehq Gdbnpd{ c Pc{ndw~ m Md{neiq
Wod kcehq |{mpngd c pc{ndw~ m gnd{dew eme&`eceancb wmmbq
ceg qd{pnadq wm QFDq wm odb| ktqnedqq myed{q ceg fcecid{q
gdpdbm| |{cawnacb ktqnedqq qhnbbq ceg kdwwd{ i{my wodn{
dewd{|{nqdq% Wod ;3 kcehq newd{pndydg m{ wonq qwtg~ ided{cbb~
|{mpngd qd{pnadq ceg |{mgtawq wocw `w newm wod mbbmynei mt{
k{mcg c{dcq /dxcf|bdq c{d |{mpngdg ne Wckbd ;.:
Caamtew Fcecid{ Qt||m{w Qd{pnadq: Medme
med qt||m{w {mf wod kcehq caamtew fcecid{q /m{
{dbcwnmeqon| fcecid{q.
Nem{fcwnme Gnqqdfnecwnme: Qdbodb| hemybdgid
gdbnpd{dg wm QFDq pnc Ydk qnwdq" |tkbnacwnmeq" ktqnedqq
adewd{q" ceg-m{ newd{cawnmeq ynwo caamtew fcecid{q
W{cnenei Cawnpnwndq ceg \{mi{cfq: Newd{cawnpd
cawnpnwndq gdqniedg wm canbnwcwd wod bdc{enei ceg
gdpdbm|fdew m edy ceg dxnqwnei qhnbbq ceg nf|{mpd
|d{m{fcead
Ameqtbwnei Qd{pnadq /Amteqdbnei m{ Fdewm{nei.:
Gn{daw newd{cawnmeq ynwo hemybdgidckbd qmt{adq wm
icne neqniowq ceg dx|d{wnqd%
Cq |{dpnmtqb~ fdewnmedg" wod QFD kcehnei fc{hdw nq
kdamfnei fm{d qcwt{cwdg" ceg kceh amf|dwnwnme ne
gdpdbm|nei amtew{ndq nq newdeqn~nei% Cq nbbtqw{cwdg ne
@nit{d ; me |cid 37" kcehq ca{mqq cbb wnd{q c{d md{nei c
yngd c{{c~ m qd{pnadq wm QFDq% Wod kcehq c{d gdpdbm|nei
qw{cwdindq wm nea{dcqd wodn{ qoc{d m wod QFD fc{hdw ne
wodn{ {dq|dawnpd damemfndq ceg qw{deiwodenei wodn{ pcbtd
|{m|mqnwnme wm QFDq wo{mtio neempcwnpd emeeceancb
qd{pnad md{neiq% Kmwo bc{id ceg qfcbb kcehq" cq ydbb cq
newd{ecwnmecb ceg bmacb kcehq" c{d w{~nei wm ktnbg wodn{
{d|twcwnme cq kcehq wocw QFDq ace w{tqw ceg wm |{mpngd
c pc{ndw~ m eceancb ceg emeeceancb qmbtwnmeq wm fddw
wod eddgq ceg |{dd{deadq m QFDq% Qmfd wnd{1 kcehq"
qtao cq \bcewd{q Kceh ne wod \onbn||nedq" c{d k{cegnei
wodfqdbpdq cq Wod QFD Kceh ceg wc{idwnei QFDq cq c
fcjm{nw~ qoc{d m wodn{ kcehnei |m{wmbnmq%
Wonq qwtg~q newd{pndyq qomy wocw >
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
16/64
YO^ KCEHQ NE DFD[INEI FC[HDWQ C[D NEA[DCQNEIB^ \[MPNGNEI
EME&@NECEANCB QD[PNADQ WM QFCBB CEG FDGNTF DEWD[\[NQDQ37
Wnd{3 ceg ; Kcehq Ocpd Fm{dAc|canw~ wm Gdbnpd{ Eme`eceancbMd{neiq
Kcehq ne kmwo wnd{q md{ cbb mt{ w~|dq m qd{pnadq ceg ne
{dbcwnpdb~ qnfnbc{ |{m|m{wnmeq% @m{ dxcf|bd" ?1$ m wnd{3
kcehq md{ qt||m{w wo{mtio wodn{ caamtew fcecid{q"
nem{fcwnme gnqqdfnecwnme" ceg w{cnenei" ceg 3
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
17/64
\C[W 3: HD^ @NEGNEIQ34
QFD abndewq ceg |{mq|dawnpd abndewq ceg ocpd wod kdqw
tegd{qwcegnei m QFDq eddgq% Caamtew fcecid{q
c{d w{cnedg wm tegd{qwceg QFDq eceancb eddgq"
qtiidqw eceancb qmbtwnmeq" cgfnenqwd{ bmceq" ceg fchd
c||{m|{ncwd {dd{{cbq wm qd{pnad |{mpngd{q%
Wckbd 1 |{mpngdq dxcf|bdq m wod {mbdq caamtew fcecid{q
|bc~ ne |{mpngnei emeeceancb qd{pnadq wm wodn{ QFD
abndewq%
Qd{pnei QFDq ynwo Nem{fcwnmeGnqqdfnecwnme
\[NEAN\CB QD[PNADQ: \TKBNACWNMEQ" QM@WYC[D"
CEG YDK QNWDQ
Cq emwdg ckmpd" ?3$ m wod ;3 kcehq |{mpngd nem{fcwnme
qd{pnadq wm QFDq cq c qdbodb| {dqmt{ad m{ wod ktqnedqq
myed{q m{ fcecid{q% Fce~ kcehq qoc{d fdgnc c{wnabdq"
k{maot{dq" yonwd |c|d{q" m{ negtqw{~ w{cgd |c|d{q
wocw neabtgd nem{fcwnme me qmteg ktqnedqq |{cawnadq"
dx|bcne wod dx|m{w |{madqq" gdf~qwn~ wod ktqnedqq qwc{wt| |{madqq m{ amf|bdx bdicb {ditbcwnmeq" ceg qoc{d
hemybdgid ckmtw mwod{ nf|m{wcew ktqnedqq wm|naq% Qmfd
kcehq |{mpngd negtqw{~ fcicznedq m{ damemfna |c|d{q
wocw nem{f QFDq ckmtw fc{hdw w{degq ne wodn{ qdawm{q
m{ ckmtw negnacwm{q wm cqqdqq wod odcbwo m wodn{ amtew{~q
damemf~% @m{ dxcf|bd" Caadqq Kceh ne Enid{nc |{mpngdq
nwq QFD abndewq ynwo Wod Fc{hdw Newdbbnidead [d|m{w"
yonao {d|m{wq gcwc {dbcwdg wm wod damemf~ ceg wod
eceancb negtqw{~ wm odb| nem{f ktqnedqqdq ckmtw wod
damemfna depn{mefdew ne yonao wod~ m|d{cwd%
Qnfnbc{ ktqnedqq wm|na nem{fcwnme nq cbqm gnqqdfnecwdg pnc
wod kcehq Ydk qnwdq m{ wo{mtio ktqnedqq qmwyc{d /qdd
@nit{d 1.% Ydk qnwdq md{ qdbodb| {dqmt{adq qtao cq pngdm
wdqwnfmencbq k~ qtaadqqtb dew{d|{dedt{q" kbmiq gnqatqqnei
ktqnedqq i{mywo aocbbdeidq" bnqwneiq m ktqnedqqw{cnenei
|{mpngd{q" c{wnabdq me kdqw |{cawnadq" ceg qm m{wo% @m{
dxcf|bd" \bcewd{q Kceh ne wod \onbn||nedq omqwq wod mebned
|bcwm{f QFD Qmbtwnmeq" yonao qt||m{wq QFDq wo{mtio
dpdew bnqwneiq ceg nem{fcwnme bnqwneiq m{ amf|cendq ne
ameqtfd{ |{mgtawq" mmgq ceg ci{natbwt{d" negtqw{ncb
|{mgtawq" ceg qd{pnadq% N@Aq QFD Wmmbhnw nq omqwdg
wo{mtio wonq Ydk |m{wcb% \bcewd{q Kceh |{mfmwdq QFD
Qmbtwnmeq ceg N@Aq QFD Wmmbhnw wo{mtio c qd{ndq m {mcg
qomyq wo{mtiomtw wod amtew{~% Wod kcehq k{ceaodq
nepnwd abndewq ceg |{mq|dawnpd abndewq wm wodqd dpdewq ceg
|{dqdew wod kdedwq m tqnei wod QFD Wmmbhnw ceg QFD
Qmbtwnmeq% NANAN Kceh ne Negnc cbqm omqwq N@Aq QFD Wmmbhnw%
Wod qnwd {dadnpdq 7
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
18/64
YO^ KCEHQ NE DFD[INEI FC[HDWQ C[D NEA[DCQNEIB^ \[MPNGNEI
EME&@NECEANCB QD[PNADQ WM QFCBB CEG FDGNTF DEWD[\[NQDQ30
NEEMPCWNPD QD[PNADQ: WDBDPNQNME QOMYQ CEG
QFD D_ADBBDEAD CYC[GQ
Edgkceh ne Qmtwo C{nac nq a{dcwnpdb~ tqnei qmancb fdgnc
wm dgtacwd QFDq ckmtw qfc{w ktqnedqq |{cawnadq% Wod
kceh cn{dg c 31d|nqmgd {dcbnw~ wdbdpnqnme qomy acbbdg
@nx F~ Knz% Wonq qomy matqdg me |{cawnacb cgpnad m{
qfcbb ktqnedqqdq dx|d{ndeanei aocbbdeidq" ceg ktqnedqq
ameqtbwcewq me wod qomy md{dg qmbtwnmeq wm QFDq%
Mwod{ kcehq |{dqdew |tkbna cyc{gq wm QFDq wm {damienzd
onio |d{m{fcead% Kceam KAQA ne Ambmfknc |{dqdewdgnwq {qw QFD Cyc{g m Dxadbbdead dniow ~dc{q cim% Bcqw
~dc{" fm{d woce 0
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
19/64
\C[W 3: HD^ @NEGNEIQ39
wodn{ bdc{enei% Ydqw|ca md{q c yngd c{{c~ m newd{cawnpd
ym{hqom|q me ktqnedqq eceancb ceg fcecidfdew
amead|wq ne dcq~wmmbbmy ceg |{cawnacb m{fcwq%
Qdpd{cb m wod kcehq ocpd neempcwnpd c||{mcaodq wm wodn{
w{cnenei gdbnpd{~% @m{ neqwcead" m{ wod |cqw qnx ~dc{q" wod
[d|tkbna Kceh ne W{nengcg ceg Wmkcim |c{wed{dg ynwo
bmacb i{cgtcwd qaommbq wm md{ c qd{ndq m ktqnedqq
qdfnec{q {dd wm QFDq% @t{wod{fm{d" \{mA{dgnw Kceh ne
Fcadgmenc cbqm |{mpngdq w{cnenei wm jmt{ecbnqwq wo{mtio
c Kcehnei Qaommb m{ Jmt{ecbnqwq% Wod qaommb ceetcbb~
|{mpngdq c medyddh w{cnenei qdqqnme me gnd{dew cadwq
m kcehnei% Wod kceh ocq emwnadg qnienacew nf|{mpdfdew
ne wod stcewnw~ ceg stcbnw~ m c{wnabdq amead{enei kcehneine wod |{new ceg dbdaw{mena fdgnc ne Fcadgmenc%
KTQNEDQQ ABTK FMGDB
Kc{abc~q C{nacq Ktqnedqq Abtk nq wod kcehq fcne pdonabd
m{ |{mpngnei emeeceancb qd{pnadq wm QFDq% \c{wnan|cewq
ne wod Ktqnedqq Abtk |c~ ce ceetcb dd m '34< ceg c{d
ckbd wm cwwdeg qdfnec{q ceg w{cnenei dpdewq me ktqnedqq
wm|naq qtao cq newd{|{dwnei wod wcx amgd" bdc{enei omy
wm dx|m{w" ceg bdc{enei ckmtw eceancb fcecidfdew"
cfmei mwod{q% Wod Ktqnedqq Abtk nq pd{~ qtaadqqtb" cegne Hde~c wod Abtk ocq 3$ m wod ;3 kcehq md{ ameqtbwnei qd{pnadq wm
QFDq% Wonq nq wod bdcqw gdpdbm|dg w~|d m qd{pnad" ceg
em wnd{1 kcehq {mf wod qwtg~q qcf|bd c{d |{mpngnei
wonq qm|onqwnacwdg kceh md{nei% Ftbwn|bd dx|bcecwnmeq
c{d |bctqnkbd% Gdpdbm|nei ameqtbwnei qd{pnad md{neiq"
yodwod{ ne wod m{f m neomtqd ameqtbwnei qd{pnadq cw
kcehq m{ ne wod m{f m |c{wed{qon| ynwo ameqtbwnei {fq
Wckbd 7: Gdwcnbq m Kceh W{cnenei \{mi{cfq
Kceam IcbnancC{idewnec EdgkcehQmtwo C{nac EKQ KcehFcbcyn
Ad{wn`acwd m{ @m{dnie W{cgd W{cnenei:W{cnenei me w{cgd ceg dx|m{w k~ nepnwcwnme wmQFDq
@m{fcw: 7omt{ qdqqnmeq m{ 9 yddhq
Ctgndead: ;4 QFDq
Qdfnec{ W{cnenei: Wm|naq qtao cq qwd|q wmqwc{wnei c ktqnedqq" eceancb acqo`myfcecidfdew" ceg qcbdq ceg fc{hdwnei
@m{fcw: 37 gnd{dew pdetdq wynad c ~dc{
Ctgndead: 1
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
20/64
YO^ KCEHQ NE DFD[INEI FC[HDWQ C[D NEA[DCQNEIB^ \[MPNGNEI
EME&@NECEANCB QD[PNADQ WM QFCBB CEG FDGNTF DEWD[\[NQDQ3?
|{mpngnei QFD amcaonei" nq ce dx|deqnpd nepdqwfdew"
amf|c{dg wm fm{d kcqna md{neiq qtao cq |{mpngnei {dd
nem{fcwnme me wod kcehq Ydk qnwd% Cggnwnmecbb~" nw fc~
emw kd amqwddawnpd m{ fce~ kcehq" |c{wnatbc{b~ bc{id{
newd{ecwnmecb kcehq" wm |{mpngd medmemed qd{pnadq wm
c bc{id pmbtfd m QFD abndewq% @t{wod{fm{d" |bc~nei wod
{mbd m kcehd{ yonbd cbqm w{~nei wm md{ ktqnedqq amteqdb
amtbg |{dqdew c qnienacew ame`naw m newd{dqw m{ kcehd{q%
[dbcwnmeqon| fcecid{q amtbg kd odbg {dq|meqnkbd m{
inpnei kcg ktqnedqq cgpnad wm QFD myed{q" ceg wonq amtbg
kd c bncknbnw~ wm wod kceh%
Wodqd cawm{q |{dqdew dew{~ kc{{nd{q m{ kcehq ne gdpdbm|nei
ameqtbwnei qd{pnad md{neiq% ^dw qmfd kcehq c{d egnei
qmbtwnmeq wm mpd{amfd wodqd aocbbdeidq ceg md{nei
neempcwnpd ameqtbwnei qd{pnadq" cq ktqnedqq amcaonei nq ce
nf|m{wcew qw{cwdi~ wm odb| QFD myed{q ceg fcecid{q
icne edy ktqnedqqfcecidfdew hemybdgid ceg qhnbbq
ceg qmbpd nf|m{wcew ktqnedqq |{mkbdfq% Kcehq {mf wnd{q
3 ceg ; wocw gm |{mpngd ameqtbwnei c{d gmnei qm wo{mtio
medmemed" negd|wo qt||m{w ne wod m{f m amcaonei
ceg fdewm{nei |{mi{cfq%
Edgkceh ocq ce cqqmancwnme ynwo Ktqnedqq \c{wed{q
Newd{ecwnmecb /K\N." yonao tqdq c bc{id acg{d m fm{d
woce ?$ m wod ;3 kcehq {d|m{wdg wocw
wod~ ace ngdewn~ qtandew qd{pnad |{mpngd{q m{ at{{dew
eddgq% W~|dq m |c{wed{ |{mpngd{q c{d bnqwdg ne @nit{d 4
k~ {dstdea~" ceg wod~ {ceid {mf w{cnenei neqwnwtwnmeq
wm eme|{mwq%
@nit{d 7: C{d Wod{d Qt`andew Qd{pnad \{mpngd{q=
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
21/64
\C[W 3: HD^ @NEGNEIQ3>
@nit{d 4: Kcehq Fcne Qd{pnad Qt||bnd{q
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
22/64
YO^ KCEHQ NE DFD[INEI FC[HDWQ C[D NEA[DCQNEIB^ \[MPNGNEI
EME&@NECEANCB QD[PNADQ WM QFCBB CEG FDGNTF DEWD[\[NQDQ;; wm ;0$ ne wod qcfd wnfd |d{nmg% Abdc{b~" wod QFD kcehnei
fc{hdw ycq dx|cegnei cqwd{ woce wod bc{iddewd{|{nqd
fc{hdw ne Wt{hd~% WDK fcecidfdew hedy {mf fc{hdw
amewcawq ceg |d{qmecb dx|d{ndead wocw wod qdawm{ ycq
tegd{kcehdg ceg tewc||dg" |{dqdewnei ce cww{cawnpd
fc{hdw m||m{wtenw~ m{ WDK%
Omydpd{" wod bc{id qnzd m wod QFD qdifdew" amfknedg
ynwo wod caw wocw WDK ycq c {dbcwnpd bcwdamfd{ dewd{nei
wod QFD fc{hdw" {dstn{dg wocw wod kceh m{ftbcwd ce
ddawnpd qw{cwdi~ wocw ymtbg deckbd nw wm matq cq ydbb cq
gnd{dewncwd nwqdb {mf mwod{ kcehq% Amf|dwnei me |{nad
; QFDq ne wonq acqd qwtg~ {dd{q wm FQFDq" kdactqd WDK i{mt|qfna{mdewd{|{nqdq wmidwod{ ynwo QFDq ne nwq qfcbb ktqnedqq kcehnei cegemeeceancb qd{pnadq%
ycq emw c pnckbd m|wnme kdactqd" cq c edy |bc~d{ ne wod
QFD fc{hdw" WDK eddgdg wnfd wm gdpdbm| wod c||{m|{ncwd
{nqhcgjtqwdg |{nanei qw{tawt{d m{ nwq QFD |{mgtawq ceg
qd{pnadq% Cbqm" WDK ymtbg ocpd gnatbw~ amf|dwnei me
pmbtfd" kdactqd nw ocg c ec{{myd{ k{ceao edwym{h
woce nwq bc{id{ kceh amf|dwnwm{q: WDK ocg 331 k{ceaodq"
amf|c{dg wm bc{id{ kcehq wocw ocg cw bdcqw 00$
Wmwcb 3"
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
31/64
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
32/64
YO^ KCEHQ NE DFD[INEI FC[HDWQ C[D NEA[DCQNEIB^ \[MPNGNEI
EME&@NECEANCB QD[PNADQ WM QFCBB CEG FDGNTF DEWD[\[NQDQ1
Omydpd{" nw eddgq wm gdpdbm| wod q|dana gdwcnbq m
omy wm gdqnie ceg gdbnpd{ w{cnenei dpdewq ceg mebned
{dqmt{adq ne c fm{d |{mi{cffcwna ceg qacbckbd fceed{%
@m{ dxcf|bd" ynbb wod QFD i{mt| {mbb mtw edy qd{pnadq
wm cbb 1< idmi{c|onacb c{dcq cw mead m{ ynbb nw qdstdead
wod {mbbmtw= Ynbb nw w{~ wm dx|ceg kmwo w{cnenei qd{pnadq
ceg mebned {dqmt{adq cw wod qcfd wnfd" m{ ynbb med qd{pnad
md{nei wchd |{nm{nw~= Cbqm" ynbb nw gdpdbm| ce~ edy
|{mgtawq m{ qd{pnadq nw ocq emw ~dw dx|d{nfdewdg ynwo=
Ne @dk{tc{~ ceg Fc{ao ;
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
52/64
YO^ KCEHQ NE DFD[INEI FC[HDWQ C[D NEA[DCQNEIB^ \[MPNGNEI
EME&@NECEANCB QD[PNADQ WM QFCBB CEG FDGNTF DEWD[\[NQDQ417% Fm{dnem{fcwnme me Negnce kcehnei {ditbcwnmeq ace kd mteg me wod Ydkqnwd m wod [dqd{pd Kceh m Negnc: oww|:-- yyy%{kn%m{i%ne-omfd%cq|x%
nenwncwnpdq c{d |bceedg qm cq wm amf|bdfdew wod kcehq
am{d eceancb qd{pnadq ne bned ynwo nwq ktqnedqq qw{cwdi~%
Eme`eceancb Qd{pnad Nenwncwnpdq ceg\{mi{cfq
Yonbd NANAN Kceh |{mpngdq c yngd {ceid m emeeceancb
nenwncwnpdq" wod pd qtffc{nzdg kdbmy {d|{dqdew wod hd~
nenwncwnpdq m wod QFD I{mt|%
3 QFD WMMBHNW: C AMF\BDWD MEBNED
[DQMT[AD ADEW[D @M[ QFDq
Ne |c{wed{qon| ynwo N@A ceg NKF" NANAN Kceh fcecidq
wod Negnc QFD Wmmbhnw Ydk qnwd% Caam{gnei wm NANAN Kcehq
Ydk qnwd" wod QFD Wmmbhnw ocq ocg fm{d woce 94
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
59/64
\C[W ;: ACQD QWTGNDQNANAN KCEH 49
; QFD ADM HEMYBDGID QD[NDQ: \BCW@M[F
@M[ FTWTCB BDC[ENEI CEG EDWYM[HNEI
Ne ;
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
60/64
YO^ KCEHQ NE DFD[INEI FC[HDWQ C[D NEA[DCQNEIB^ \[MPNGNEI
EME&@NECEANCB QD[PNADQ WM QFCBB CEG FDGNTF DEWD[\[NQDQ4?
4 QFD AMEEDAW: DGTACWNEI QFDq ME
M\\M[WTENWNDQ @M[ KTQNEDQQ I[MYWO
C qd{ndq wocw nq {te ne Negncq kniidqw fcneqw{dcf Deibnqo
gcnb~ |{new edyq|c|d{" wod Wnfdq m Negnc" QFD Ameedaw
dx|bm{dq edy cpdetdq m{ i{mywo m{ QFDq % Wod wm|naq
ampd{dg neabtgd fd{id{q ceg castnqnwnmeq" |{npcwd dstnw~"
edy fmgdbq m |c{wed{qon| /qtao cq KMWktnbg" m|d{cwd"
w{ceqd{." newd{ecwnmecb w{cgd" QFD bdegnei" i{dde
ktqnedqqdq" ceg mwod{q%
@m{ dcao wm|na" ce dx|d{w nq dcwt{dg y{nwnei me c |c{wnatbc{nqqtd% QFDq c{d dcwt{dg ynwo wodn{ i{mywo qwm{~ ceg wodn{
qda{dwq m qtaadqq% Wod qd{ndq cbqm cgg{dqqdq std{ndq {mf
{dcgd{q wm odb| |{mpngd wodf ynwo qmbtwnmeq%
0 KTQNEDQQ KD^MEG KM[GD[Q: ODB\NEI QFDq
WM D_\CEG IBMKCBB^
Wod mkjdawnpd m wodqd wdbdpnqdg qdfnec{q nq wm odb|
|{mfmwd{q ceg qdenm{ fcecid{q m Negnce QFDq tegd{qwceg
wod m||m{wtenwndq ceg {dcbnwndq m dx|m{wnei wm m{ nepdqwnei
ne m{dnie amtew{ndq" m{fnei qw{cwdina |c{wed{qon|q" ceg
fd{id{q ceg castnqnwnmeq%
Nepdqw% W{cgd% Ambbckm{cwd% nq ce dniow|c{w qd{ndq
omqwdg k~ NANAN Kcehq Ktqnedqq Kcehnei I{mt| ne
|c{wed{qon| ynwo AEKA WP 3?%
Wonq |{mi{cf cbqm dcwt{dq matqdg mewodi{mteg
dpdewq me gnd{dew qdawm{q ne dniow anwndq ceg ocq ce
dbnwd |cedb m w{cgd canbnwcwnme dx|d{wq ceg negtqw{~
|{cawnwnmed{q%
Kdqngdq |cedb gnqatqqnmeq" wod m{tf neabtgdq qomy
acqdq {mf amffnqqnmeq {mf |c{wed{ amtew{ndq bnhd
wod Tenwdg Qwcwdq" wod Tenwdg Hneigmf" Id{fce~"
Aonec" wod Tenwdg C{ck Dfn{cwdq" Qneic|m{d" Omei
Hmei" ceg mwod{q% Wod QFDq ace wcbh wm wod {d|{d
qdewcwnpdq cw wodqd qomyacqdq ckmtw wodn{ std{ndq
{dic{gnei w{cgd ynwo wodqd amtew{ndq%
9 DFD[INEI NEGNC CYC[GQ: [DAMIENZNEI
NEGNCQ KDQW QFDq
Wod Dfd{inei Negnc Cyc{gq nq c |c{wed{qon| kdwydde
NANAN Kceh ceg AEKA WP 3?" Negncq bdcgnei Deibnqo
bceitcid ktqnedqq aoceedb" ceg nq qt||m{wdg k~ A[NQNB
/c ibmkcb cecb~wnacb amf|ce~ |{mpngnei {nqh ceg |mbna~
cgpnqm{~ qd{pnadq.% Wod cyc{gq yd{d bcteaodg ne ;
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
61/64
\C[W ;: ACQD QWTGNDQNANAN KCEH 4>
AmeabtqnmeWo{mtio qw{cwdina |c{wed{qon|q ynwo mwod{ amf|cendq"
NANAN Kceh qddhq wm |{mpngd c yngd {ceid m emeeceancb
nenwncwnpdq wocw /3. dqwckbnqo wod kceh cq wod fcne |c{wed{
m{ i{mywo m{ QFDq" /;. a{dcwd c |mqnwnpd k{ceg nfcid
m NANAN Kceh ne wod QFD fc{hdw" ceg /1. amew{nktwd wm
wod gdpdbm|fdew m c qtqwcneckbd damq~qwdf m{ QFDq k~
ktnbgnei wodn{ ac|canw~%
NANAN Kceh ym{hq amewnetmtqb~ wm deqt{d wocw nwq emeeceancb nenwncwnpdq c{d {dq|meqnpd wm wod aocbbdeidq ceg
eddgq m QFDq% Qdenm{ fcecid{q {mf wod QFD I{mt|
mwde amegtaw atqwmfd{ fddwneiq ceg matq i{mt|q ynwo
QFD abndewq wm gnqatqq wodn{ {dstn{dfdewq" ceg {dbcwnmeqon|
fcecid{q fmenwm{ wod {dbdpcead m NANAN Kcehq |{mgtawq
ceg qd{pnadq wo{mtio wodn{ newd{cawnme ynwo abndewq%
Cggnwnmecbb~" wod ddgkcah {dadnpdg me wod QFD Wmmbhnw
|{mpngdq t{wod{ nem{fcwnme wocw cbbmyq fcecidfdew
wm gdqnie md{neiq {dbdpcew wm NANAN Kcehq at{{dew ceg
|{mq|dawnpd QFD atqwmfd{q% NANAN Kceh cbqm w{cahq wod
stcbnw~ m cbb nwq dpdewq wo{mtio mbbmyt| ceg neam{|m{cwdq
ddgkcah nw {dadnpdq newm nf|{mpnei dxnqwnei md{neiq ceg
gdqnienei edy medq% NANAN Kceh ynbb amewnetd wm matq
me nwq Kd~meg Kcehnei nenwncwnpdq wm odb| kmwo wod kcehq
abndewq ceg |{mq|dawnpd atqwmfd{q wo{mtio nwq eceancb
ceg emeeceancb qt||m{w% Inpde nwq qwcegnei cq wod
qdameg bc{idqw kceh mpd{cbb ceg wod bc{idqw |{npcwdqdawm{
kceh ne wod amtew{~" wod kceh w{tb~ kdbndpdq wocw nw ace
odb| qw{deiwode Negncq QFD damq~qwdf ceg odb| QFDq wm
`mt{nqo ne c {c|ngb~ aoceinei ibmkcb damemf~%
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
62/64
YO^ KCEHQ NE DFD[INEI FC[HDWQ C[D NEA[DCQNEIB^ \[MPNGNEI
EME&@NECEANCB QD[PNADQ WM QFCBB CEG FDGNTF DEWD[\[NQDQ0
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
63/64
-
7/31/2019 Why Banks in Emerging Markets are Increasingly Providing Non-financial Services to Small and Medium Enterprises
64/64
NEWD[ECWNMECB @NECEAD AM[\M[CWNME
;3;3 \deeq~bpcenc Cpdetd" EY
top related