Mali Financial Sector Assessment : Development Module

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作者：

World Bank

来源地址：

http://hdl.handle.net/10986/24582

关键词：

FINANCIAL SERVICES;  BORROWER;  ECONOMIC GROWTH;  WAREHOUSE;  DEPOSITS;  AGRICULTURAL DEVELOPMENT BANK;  FINANCING;  DIRECT FINANCING;  INTEREST;  GOVERNMENT FUNDING;  PRIVATE SECTOR LOAN;  SAVINGS ACCOUNTS;  PRIVATE CREDIT;  REMITTANCE;  WAREHOUSE RECEIPTS;  INSURANCE SERVICES;  BANKING SERVICES;  TAX EXEMPT;  ENTREPRENEURS;  MULTINATIONAL;  CAPITAL ADEQUACY;  CAPACITY BUILDING;  LOAN;  BORROWERS;  SAVINGS PRODUCT;  PAYMENTS;  INFORMATION SYSTEMS;  LARGE BORROWERS;  MFIS;  SMALL FARMERS;  WAREHOUSE RECEIPT SYSTEMS;  LOAN PAYMENT;  TECHNICAL ASSISTANCE;  HOUSING FINANCE;  FINANCIAL INSTITUTION;  COMMERCIAL BANK;  DEBTS;  FINANCES;  CREDIT RISKS;  FINANCIAL INSTITUTIONS;  PAYMENT;  DEBT;  CAPITAL MARKET;  WAREHOUSE RECEIPT;  TAX-EXEMPT STATUS;  FINANCING NEEDS;  FARMERS;  ENTERPRISES;  BANK FINANCING;  POOR CREDIT;  TERM CREDIT;  DONOR SUPPORT;  LONG-TERM FUNDING;  SHORT-TERM DEPOSITS;  PRIVATE FUNDING;  BANKS;  DEPOSITORS;  MOVABLE COLLATERAL;  CAPITAL;  BUSINESS PLAN;  CUSTOMER BASE;  RURAL BUSINESSES;  ACCESS TO FINANCE;  BANK;  MICROINSURANCE;  SMALLHOLDER;  LOAN GUARANTEES;  MICROFINANCE LOANS;  HOUSEHOLD;  EXTERNAL FUNDS;  CREDIT INFORMATION;  SMALLHOLDER FARMERS;  DEPOSIT MOBILIZATION;  SECURITIES;  SOLVENCY;  FINANCIAL INFRASTRUCTURE;  POSTAL SAVINGS;  CREDIT RISK;  PROFITABILITY;  MICROFINANCE;  ECONOMIC DEVELOPMENT;  FINANCIAL SECTOR ASSESSMENT;  SUPPLY CHAINS;  REGISTRATION SYSTEM;  COMMERCIAL BANKS;  ACCESS LEVELS;  HOUSEHOLDS;  MORTGAGE LOANS;  INTERNAL FUNDS;  LOAN SIZE;  LOAN DEFAULT;  TAX-EXEMPT;  LOAN AMOUNTS;  EARNINGS;  GREATER ACCESS;  CHAMBER OF COMMERCE;  ACCESS POINTS;  TERMS OF LOAN;  FEES;  EQUIPMENT LOANS;  REMITTANCES;  CREDIT HISTORY;  COOPERATIVE;  CREDIT LINES;  DEVELOPMENT BANK;  DEPOSITOR;  CREDIT ASSOCIATIONS;  EMPLOYEES;  MFI;  MICROFINANCE INSTITUTION;  CREDIT PRODUCTS;  LINE OF CREDIT;  DEPOSIT;  PRIVATE SECTOR LENDERS;  RECEIPT;  TRADE CREDIT;  PEOPLE;  AGRICULTURAL CREDIT;  RURAL BORROWERS;  VILLAGE;  FARMER;  OUTSTANDING LOAN;  LOAN-TO-DEPOSIT RATIO;  GUARANTEES;  PRIVATIZATION;  INTEREST RATE;  BANK ACCOUNT;  RECEIPT SYSTEM;  MORTGAGE;  MORTGAGE LENDING;  SUBSIDY;  CREDIT PORTFOLIO;  CREDIT INSTITUTION;  CREDITOR;  NEW BUSINESS;  FINANCIAL POLICY;  MICROFINANCE INSTITUTIONS;  BANK LENDING;  ACCESS TO BANKING;  ACCESS TO FINANCIAL SERVICES;  MORTGAGES;  SAVINGS;  EXPORT EARNINGS;  INTERNAL “  FUNDS;  UNION;  ACCESS TO INSURANCE;  INTEREST RATES;  DEPOSIT ACCOUNTS;  LIMITED ACCESS;  RECEIPTS;  FINANCIAL PRODUCTS;  LENDERS;  LOANS;  FINANCIAL HEALTH;  REGULAR PAYMENTS;  REAL ESTATE;  FINANCE;  GOVERNMENT SECURITIES;  INVENTORY CREDIT;  CREDIT INFORMATION BUREAU;  FAMILY;  RECEIPT SYSTEMS;  CREDIT;  DEBT COLLECTION;  BOND MARKET;  WORKING CAPITAL;  AGRICULTURAL SECTOR;  REPAYMENT;  PROPERTY;  PROPERTIES;  BALANCE SHEET;  INSURANCE PREMIUM;  FINANCIAL ANALYSIS;  ACCESS TO BANKING SERVICES;  LEGAL TITLE;  EMPLOYERS;  CREDIT BUREAU;  UMBRELLA ORGANIZATION;  TAX EXEMPT STATUS;  BANK ACCOUNTS;  CREDIT FLOWS;  ACCESS TO CREDIT;  INTERESTS;  SMALL FARMER;  FIXED ASSETS;  WAREHOUSE RECEIPT SYSTEM;  SECURITY;  INVESTMENT;  CREDIT INFORMATION SYSTEMS;  LOAN PORTFOLIOS;  BALANCE SHEETS;  COLLATERAL;  MICRO-FINANCE;  PAYMENT SERVICES;  BORROWINGS;  COOPERATION;  NET WORTH;  COOPERATIVES;  REVENUE;  BORROWING;  INVESTMENTS;  AGRICULTURAL FINANCE;  RISK MANAGEMENT;  TECHNICAL SUPPORT;  MORTGAGE PRODUCT;  LACK OF INFORMATION;  WOMEN;  OUTSTANDING LOANS;  BANK BRANCHES;  COMMERCIAL FARMING;  INSURANCE PENETRATION;  MORTGAGE MARKET;  GUARANTEE;  CONSUMER PROTECTION;  SAVINGS BANK;  Report; 

年份：

2015

出版地：

Washington,USA

语种：

English

摘要：

Mali is a vast, land-locked country in West Africa with a population of approximately 14.9 million, and a GDP per capita of USD480. The economy is largely rural, with over two-thirds of the population living off agriculture, notably cotton. Gold is the country’s largest export, though production has been declining and the industry faces an uncertain future as proven reserves are limited. The service sector, which represents 40 percent of GDP, is dominated by trade and commerce. Mali’s dependence on crops and gold makes it vulnerable to terms of trade shocks. Industry, which employs just 3 percent of the active population, consists largely of small-scale food processing and textile plants. The overwhelming majority of the population (over 90 percent) works in the informal sector. The FSAP Development Module focused on: i) the banking sector and legal framework (credit to the economy); ii) microfinance; iii) agricultural finance; iv) insurance; and v) housing finance2. The mission carried out in-depth assessments on each topic and provided recommendations aiming at mitigating financial vulnerabilities and supporting the development of the financial sector (i.e. development the credit to the economy while insuring financial stability).