This Guide updates CGAP's 2003 Guiding Principles on Regulation and Supervision of Microfinance. The revisions reflect continuing developments in the global state of financial access for poor and low-income customers, including the following: Increased attention to financial services beyond microcredit; proliferation of new providers and financial service delivery mechanisms; rapid evolution of regulatory frontiers, such as the regulation of bank and nonbank agents and e-money issuers; increased funding from the private sector and quasi-commercial public investors; and focus of international financial standard-setting bodies on the need for proportionate regulation and supervision that does not result in the exclusion of low-income customers. Part I discusses preliminary issues, such as definitions of microfinance and microcredit, financial inclusion as a regulatory objective, and the difference between prudential and nonprudential regulation. Part II discusses prudential regulation of deposit-taking institutions engaged in microfinance. Part III looks at the challenges surrounding supervision of depository institutions engaged in microfinance. Part IV discusses nonprudential regulation of both depository and nondepository institutions engaged in microfinance. Part V addresses regulation of branchless banking. Part VI discusses regulation of microinsurance, especially when it is sold or administered by microfinance providers. Part VII summarizes the key observations, principles, and recommendations.
Detalhes
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Data do documento
2012/10/01
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TIpo de documento
Documento de Trabalho
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No. do relatório
75156
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Nº do volume
1
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Total Volume(s)
1
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País
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Região
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Data de divulgação
2013/02/25
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Disclosure Status
Disclosed
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Nome do documento
A guide to regulation and supervision of microfinance : consensus guidelines
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Palavras-chave
microfinance;prudential regulation;committee on payment and settlement system;prudential regulation and supervision;financial inclusion;tax treatment;microfinance regulation and supervision;financial system;financial service;Savings and Credit Cooperative;access to formal finance;financial access for poor;range of credit product;private right of action;transformation of microfinance institutions;savings bank;consumer protection;regulatory objective;formal financial institution;financial consumer protection;formal financial service;financial sector regulation;financial service provider;limitation on ownership;interest rate cap;
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