{"id":124454,"date":"2025-11-05T06:11:14","date_gmt":"2025-11-05T06:11:14","guid":{"rendered":"https:\/\/alj.com\/?post_type=perspective&#038;p=124454"},"modified":"2026-01-09T06:51:36","modified_gmt":"2026-01-09T06:51:36","slug":"%e7%a7%91%e6%8a%80%e8%83%bd%e5%90%a6%e5%8a%a0%e5%bc%ba%e6%99%ae%e6%83%a0%e9%87%91%e8%9e%8d%ef%bc%9f","status":"publish","type":"perspective","link":"https:\/\/alj.com\/zh-hans\/perspective\/%e7%a7%91%e6%8a%80%e8%83%bd%e5%90%a6%e5%8a%a0%e5%bc%ba%e6%99%ae%e6%83%a0%e9%87%91%e8%9e%8d%ef%bc%9f\/","title":{"rendered":"\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u666e\u60e0\u91d1\u878d\uff1f"},"content":{"rendered":"<p>\u8bd5\u60f3\u4e00\u4e0b\uff0c\u60a8\u65e0\u6cd5\u83b7\u5f97\u8d37\u6b3e\uff0c\u65e0\u6cd5\u652f\u4ed8\u7d27\u6025\u533b\u7597\u8d26\u5355\uff0c\u6216\u8005\u65e0\u6cd5\u7528\u79df\u91d1\u9996\u4ed8\u6b3e\u6765\u4fdd\u969c\u60a8\u7684\u65b0\u5bb6\uff0c\u4f1a\u662f\u4ec0\u4e48\u611f\u89c9\uff1f \u4e3a\u4ec0\u4e48\u4f1a\u8fd9\u6837\uff1f \u8fd9\u4e00\u5207\u90fd\u662f\u56e0\u4e3a\u60a8\u65e0\u6cd5\u63a5\u89e6\u5230\u8bb8\u591a\u53d1\u8fbe\u56fd\u5bb6\u4e60\u4ee5\u4e3a\u5e38\u7684\u73b0\u4ee3\u91d1\u878d\u5de5\u5177\u3002<\/p>\n<p>\u7528\u90a3\u4e2a\u96be\u542c\u7684\u8bcd\u6765\u8bf4\uff0c\u60a8<em>\u65e0\u94f6\u884c\u8d26\u6237<\/em>\u3002<\/p>\n<p>\u91d1\u878d\u6392\u65a5\u5e76\u4e0d\u5c40\u9650\u4e8e\u4e16\u754c\u4e0a\u6700\u8d2b\u7a77\u7684\u4eba\u7fa4\u3002\u5b83\u5f88\u666e\u904d\uff0c\u4f46\u88ab\u5ffd\u89c6\u4e86\u3002\u5b83\u662f\u4e00\u4e2a\u4f17\u6240\u5468\u77e5\u96be\u4ee5\u9003\u8131\u7684\u9677\u9631\u3002<\/p>\n<p>\u603b\u7684\u6765\u8bf4\uff0c\u5168\u7403\u5927\u7ea6\u56db\u5206\u4e4b\u4e00\u7684\u6210\u5e74\u4eba\uff08\u4f30\u8ba1\u6709 14 \u4ebf\u4eba\uff09\u65e2\u65e0\u94f6\u884c\u8d26\u6237\uff0c\u53c8\u65e0\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3e\u534f\u4f1a\u3001\u4fe1\u7528\u5408\u4f5c\u793e\u7b49\u9002\u5f53\u7684\u66ff\u4ee3\u9009\u62e9\u3002<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a>\u53e6\u6709\u534a\u6570\u6210\u5e74\u4eba\u5904\u4e8e\u201c\u94f6\u884c\u670d\u52a1\u7f3a\u4e4f\u201d\u72b6\u6001\uff0c\u5b8c\u5168\u4f9d\u8d56\u73b0\u91d1\uff0c\u7f3a\u4e4f\u4e00\u5207\u4fe1\u8d37\u6e20\u9053\u3002<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a><\/p>\n<p>\u5728\u5f53\u4eca\u9ad8\u5ea6\u4e92\u8054\u7684\u4e16\u754c\u4e2d\uff0c\u6446\u8131\u8d2b\u56f0\u5faa\u73af\u610f\u5473\u7740\u638c\u63e1\u6570\u5b57\u5316\u7684\u8d22\u52a1\u6e20\u9053\u3002\u540c\u6837\uff0c\u8fd9\u9700\u8981\u666e\u53ca\u8bb8\u591a\u6210\u719f\u5e02\u573a\u6240\u7528\u7684\u4e00\u5957\u7cfb\u7edf\uff0c\u8fd9\u4e9b\u7cfb\u7edf\u7528\u4e8e\u9886\u53d6\u5de5\u8d44\u3001\u652f\u4ed8\u53d1\u7968\u3001\u7533\u8bf7\u4fe1\u7528\u5361\u3001\u8d5a\u53d6\u5229\u606f\u4ee5\u53ca\u4e3a\u5bb6\u5ead\u548c\u4f01\u4e1a\u6295\u4fdd\u7b49\u3002<\/p>\n<p>\u5982\u679c\u7f3a\u4e4f\u8fd9\u4e9b\u8bbe\u65bd\uff0c\u53d7\u5f71\u54cd\u7684\u7fa4\u4f53\u5f80\u5f80\u4f1a\u6ca6\u4e3a\u201c\u4e8c\u7b49\u516c\u6c11\u201d\u3002<\/p>\n<p>\u91d1\u878d\u6392\u65a5\u5c24\u5176\u6709\u5bb3\uff0c\u56e0\u4e3a\u5b83\u5e38\u5e38\u4f1a\u5bfc\u81f4\u4e0d\u5e73\u7b49\u548c\u4e0d\u516c\u6b63\u3002\u5728\u8fd9 14 \u4ebf\u88ab\u6392\u65a5\u5728\u91d1\u878d\u4e4b\u5916\u7684\u6210\u5e74\u4eba\u4e2d\uff0c\u7ea6 80% \u751f\u6d3b\u5728\u65b0\u5174\u5e02\u573a\uff0c\u8eab\u5904\u5bf9\u6297<a href=\"https:\/\/alj.com\/en\/perspective\/time-for-action\/\">\u6c14\u5019\u53d8\u5316<\/a>\u8fd9\u573a\u751f\u5b58\u4e4b\u6218\u7684\u524d\u6cbf\u3002<a href=\"#_ftn3\" name=\"_ftnref3\">[3]<\/a>\u7531\u4e8e\u6d2a\u6c34\u3001<a href=\"https:\/\/alj.com\/en\/perspective\/dealing-with-drought\/\">\u5e72\u65f1<\/a>\u3001<a href=\"https:\/\/alj.com\/en\/spotlight-by-fady-jameel\/wildfires-and-climate-change-todays-burning-issue\/\">\u70ed\u6d6a<\/a>\u7b49<a href=\"https:\/\/alj.com\/en\/spotlight-by-fady-jameel\/weathering-the-storm\/\">\u6c14\u5019\u707e\u5bb3<\/a>\u7834\u574f\u4e86\u7ecf\u6d4e\u53d1\u5c55\uff0c\u8fd9\u4e9b\u793e\u4f1a\u5df2\u7ecf\u9762\u4e34\u7740\u4e0d\u660e\u6717\u7684\u672a\u6765\uff0c\u96be\u4ee5\u5b9e\u65bd\u957f\u671f\u8ba1\u5212\u3002<a href=\"https:\/\/alj.com\/en\/energy-and-environmental-services\/energy-overview\/\">\u7eff\u8272\u80fd\u6e90<\/a>\u3001\u6c14\u5019\u9002\u5e94\u6027\u5f3a\u7684\u57fa\u7840\u8bbe\u65bd\u548c\u53ef\u6301\u7eed\u519c\u4e1a\u662f\u89e3\u51b3\u4e4b\u9053\uff0c\u4f46\u5bf9\u90a3\u4e9b\u88ab\u56f0\u5728\u5b9e\u7269\u8d27\u5e01\u548c 20 \u4e16\u7eaa\u6280\u672f\u65f6\u4ee3\u7684\u793e\u533a\u800c\u8a00\uff0c\u8fd9\u4e00\u5207\u90fd\u9065\u4e0d\u53ef\u53ca\u3002<\/p>\n<p>\u666e\u60e0\u91d1\u878d\u4e0d\u4ec5\u5173\u4e4e\u4fbf\u5229\uff0c\u66f4\u5173\u4e4e\u751f\u8ba1\u548c\u751f\u6d3b\u3002\u4e8b\u5b9e\u4e0a\uff0c\u666e\u60e0\u91d1\u878d\u88ab\u89c6\u4e3a\u5b9e\u73b0\u8054\u5408\u56fd 17 \u9879<a href=\"https:\/\/www.un.org\/sustainabledevelopment\/sustainable-development-goals\/\">\u53ef\u6301\u7eed\u53d1\u5c55\u76ee\u6807<\/a>\u4e2d\u81f3\u5c11\u4e03\u9879\uff0c\u4ee5\u786e\u4fdd\u201c\u4eba\u7c7b\u548c\u5730\u7403\u7684\u548c\u5e73\u7e41\u8363\u201d\u7684\u5fc5\u8981\u6761\u4ef6\u3002<a href=\"#_ftn4\" name=\"_ftnref4\">[4]<\/a><\/p>\n<p>\u53ea\u6709\u66f4\u516c\u5e73\u516c\u6b63\u7684\u91d1\u878d\u51c6\u5165\u4f53\u7cfb\u624d\u80fd\u5f25\u8865\u5168\u7403\u7684\u673a\u4f1a\u9e3f\u6c9f\u3002<\/p>\n<h2>\u79d1\u6280\u5982\u4f55\u626d\u8f6c\u5168\u7403\u65e0\u94f6\u884c\u8d26\u6237\u8005\u7684\u547d\u8fd0\uff1f<\/h2>\n<p>\u6570\u5b57\u5206\u88c2\u4e16\u754c\u7684\u91d1\u878d\u75c7\u5019\u968f\u5904\u53ef\u89c1\u3002\u867d\u7136\u8fc7\u53bb\u5341\u5e74\u5168\u7403\u50a8\u84c4\u6709\u6240\u589e\u52a0\uff0c\u4f46\u7e41\u8363\u4e0e\u56f0\u987f\u7ecf\u6d4e\u4f53\u4e4b\u95f4\u7684\u9e3f\u6c9f\u4e00\u5982\u65e2\u5f80\u5730\u5de8\u5927\u3002\u6210\u719f\u5e02\u573a\u7684\u5e73\u5747\u50a8\u84c4\u7387\uff08\u4f59\u7559\u800c\u975e\u7acb\u5373\u652f\u51fa\u7684\u53ef\u652f\u914d\u6536\u5165\u5360\u6bd4\uff09\u4e3a 58%\uff0c\u800c\u53d1\u5c55\u4e2d\u5e02\u573a\u4ec5\u4e3a 25%\u3002<a href=\"#_ftn5\" name=\"_ftnref5\">[5]<\/a><\/p>\n<p>\u5728\u4e2d\u4f4e\u6536\u5165\u56fd\u5bb6 (LMIC)\uff0c\u6709\u5145\u5206\u8bc1\u636e\u8868\u660e\uff0c\u91d1\u878d\u6392\u65a5\u6b63\u5728\u9650\u5236\u4f01\u4e1a\u589e\u957f\u3002\u4e0e\u65b0\u5174\u7ecf\u6d4e\u4f53 (23%) \u76f8\u6bd4\uff0c\u5168\u7403\u53d1\u8fbe\u7ecf\u6d4e\u4f53\u7684\u501f\u8d37\u96be\u5ea6\u8981\u4f4e\u5f97\u591a\uff0856% \u7684\u4f01\u4e1a\u6709\u8d44\u683c\u83b7\u5f97\u8d37\u6b3e\uff09\u3002<a href=\"#_ftn6\" name=\"_ftnref6\">[6]<\/a>\u5728\u53d1\u5c55\u4e2d\u5730\u533a\u7ea6 4 \u4ebf\u5bb6\u5fae\u5c0f\u4f01\u4e1a\u4e2d\uff0c\u591a\u8fbe 3.45 \u4ebf\u5bb6\u88ab\u5f52\u7c7b\u4e3a\u975e\u6b63\u89c4\u4f01\u4e1a\uff1a\u9664\u6240\u6709\u8005\u4ee5\u5916\u65e0\u5176\u4ed6\u5458\u5de5\uff0c\u6536\u5165\u53ea\u80fd\u7ef4\u6301\u751f\u8ba1\uff0c\u6781\u5c11\u767b\u8bb0\u7eb3\u7a0e\uff0c\u56e0\u6b64\u65e0\u6cd5\u63d0\u9ad8\u56fd\u5bb6 GDP\u3002<a href=\"#_ftn7\" name=\"_ftnref7\">[7]<\/a><\/p>\n<p>\u8fd9\u4e9b\u4f20\u7edf\u4f01\u4e1a\u65e0\u529b\u5982\u53d1\u8fbe\u5e02\u573a\u7684\u7ade\u4e89\u5bf9\u624b\u4e00\u822c\u589e\u957f\u3001\u5ba3\u4f20\u6216\u591a\u5143\u5316\u7ecf\u8425\u3002\u5b83\u4eec\u4e5f\u65e0\u6cd5\u901a\u8fc7\u50a8\u84c4\u6765\u589e\u5f3a\u81ea\u8eab\u97e7\u6027\uff0c\u5ea6\u8fc7\u505c\u5de5\u671f\u3002\u7814\u7a76\u5c24\u5176\u6307\u51fa\uff0c\u4e2d\u4f4e\u6536\u5165\u56fd\u5bb6\u5973\u6027\u4e3b\u5bfc\u7684\u5fae\u5c0f\u4f01\u4e1a\u5b58\u5728 1,730 \u4ebf\u7f8e\u5143\u7684\u8d44\u91d1\u7f3a\u53e3\u3002<\/p>\n<p>\u7136\u800c\uff0c\u5176\u4ed6\u6307\u6807\u8868\u660e\uff0c\u8fd9\u4e00\u6001\u52bf\u6b63\u5728\u9010\u6e10\u53d8\u5316\u3002\u867d\u7136\u8fd9\u5bf9\u5168\u7403\u4ecd\u65e0\u94f6\u884c\u8d26\u6237\u7684 14 \u4ebf\u4eba\u800c\u8a00\u53ea\u662f\u676f\u6c34\u8f66\u85aa\uff0c\u4f46\u88ab\u6392\u9664\u5728\u91d1\u878d\u673a\u6784\u4e4b\u5916\u7684\u7fa4\u4f53\u6b63\u5728\u9010\u5e74\u51cf\u5c11\u30022011 \u5e74\uff0c\u7ea6\u6709 250 \u4e07\u6210\u5e74\u4eba\u88ab\u8feb\u5728\u65e0\u94f6\u884c\u8d26\u6237\u7684\u60c5\u51b5\u4e0b\u8270\u96be\u5ea6\u65e5\uff0c\u8fd9\u4e00\u6570\u5b57\u8fdc\u9ad8\u4e8e\u5f53\u4e0b\u5904\u4e8e\u7c7b\u4f3c\u56f0\u5883\u7684\u4eba\u6570\u3002<a href=\"#_ftn8\" name=\"_ftnref8\">[8]<\/a><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-124317\" src=\"https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1838\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-scaled.jpg 2560w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-300x215.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-1024x735.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-150x108.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-768x551.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-1536x1103.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-2048x1470.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<p>\u540c\u6837\uff0c\u6709\u94f6\u884c\u8d26\u6237\u548c\u65e0\u94f6\u884c\u8d26\u6237\u7fa4\u4f53\u7684\u6027\u522b\u5dee\u8ddd\u4e5f\u5728\u7f13\u6162\u7f29\u5c0f\u30022017 \u5e74\uff0c\u53d1\u5c55\u4e2d\u56fd\u5bb6\u62e5\u6709\u94f6\u884c\u8d26\u6237\u7684\u7537\u6027\u6bd4\u5973\u6027\u591a 9% \u5de6\u53f3\u3002\u5230 2021 \u5e74\uff0c\u8fd9\u4e00\u9e3f\u6c9f\u7f29\u5c0f\u81f3 6%\uff0c\u8868\u660e\u5973\u6027\u671d\u7740\u72ec\u7acb\u8fc8\u51fa\u4e86\u79ef\u6781\u7684\u4e00\u6b65\u3002<\/p>\n<p>\u5177\u6709\u8fdc\u89c1\u5353\u8bc6\u7684\u5404\u56fd\u653f\u5e9c\u6b63\u5728\u91c7\u53d6\u66f4\u79ef\u6781\u4e3b\u52a8\u7684\u65b9\u6cd5\u6765\u589e\u8fdb\u666e\u60e0\u91d1\u878d\u300260 \u4f59\u4e2a\u56fd\u5bb6\u548c\u5730\u533a\u5df2\u7ecf\u542f\u52a8\u4e86\u56fd\u5bb6\u666e\u60e0\u91d1\u878d\u6218\u7565\uff0c\u641c\u96c6\u4e86\u7535\u4fe1\u3001\u73af\u5883\u3001\u6559\u80b2\u548c\u91d1\u878d\u76d1\u7ba1\u7b49\u591a\u4e2a\u5229\u76ca\u76f8\u5173\u65b9\u7684\u610f\u89c1\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u5370\u5ea6 Aadhaar \u8ba1\u5212\u5df2\u7ecf\u4e3a 12 \u4ebf\u804c\u5de5\u914d\u5907\u4e86\u901a\u7528\u6570\u5b57\u8bc6\u522b\u7cfb\u7edf\uff0c\u5141\u8bb8\u5c06\u5de5\u8d44\u5b58\u5165\u6b63\u5f0f\u7684\u94f6\u884c\u8d26\u6237\u3002\u5728\u58a8\u897f\u54e5\uff0c\u56fd\u5bb6\u666e\u60e0\u91d1\u878d\u59d4\u5458\u4f1a (National Council for Financial Inclusion) \u6b63\u5728\u5168\u56fd\u589e\u8bbe ATM \u548c\u9500\u552e\u70b9\u7ec8\u7aef\uff0c\u4ee5\u9f13\u52b1\u6570\u5b57\u5316\u91c7\u7528\u3002<\/p>\n<p>\u4f5c\u4e3a\u91cd\u8981\u7684\u653f\u5e9c\u95f4\u7ec4\u7ec7\uff0c<a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#3\">\u4e16\u754c\u94f6\u884c<\/a>\u4e5f\u5728\u5168\u7403\u8303\u56f4\u5185\u5f00\u5c55\u4e86\u767e\u4f59\u9879\u666e\u60e0\u91d1\u878d\u4fc3\u8fdb\u8ba1\u5212\u3002\u8fd9\u4e9b\u4e3e\u63aa\u5c06\u8d44\u91d1\u6295\u5165\u4e8e\u519c\u4e1a\u97e7\u6027\u3001\u793e\u4f1a\u4fdd\u969c\u3001\u80fd\u6e90\u83b7\u53d6\u548c\u7f13\u89e3\u6c14\u5019\u53d8\u5316\u30022024 \u5e74\uff0c\u4e16\u754c\u94f6\u884c\u6276\u6301\u4e86 680 \u4e07\u5bb6\u9700\u8981\u91d1\u878d\u670d\u52a1\u7684\u5c0f\u4f01\u4e1a\uff08\u5176\u4e2d\u7ea6\u534a\u6570\u7531\u5973\u6027\u4e3b\u5bfc\uff09\u3002\u4f8b\u5982\uff0c\u975e\u6d32\u7684\u4e00\u4e2a\u9879\u76ee\u52a8\u5458\u4e86\u7eff\u8272\u79c1\u4eba\u8d44\u672c\uff0c\u5e2e\u52a9\u4e2d\u5c0f\u4f01\u4e1a\u5b9e\u73b0\u4e86\u6e05\u6d01\u80fd\u6e90\u8f6c\u578b\u3002<\/p>\n<p>\u901a\u8fc7\u4fc3\u8fdb\u7ecf\u6d4e\u589e\u957f\u548c\u63d0\u9ad8\u751f\u4ea7\u529b\uff0c\u666e\u60e0\u91d1\u878d\u662f\u4e00\u4e2a\u503c\u5f97\u52aa\u529b\u7684\u76ee\u6807\u3002\u8be5\u9886\u57df\u7684\u8fdb\u6b65\u4e3b\u8981\u5f52\u529f\u4e8e\u65e0\u5904\u4e0d\u5728\u7684\u73b0\u4ee3\u6551\u4e16\u4e3b\u2014\u2014 \u79d1\u6280\u3002<\/p>\n<h2>\u667a\u80fd\u624b\u673a\u5982\u4f55\u5f15\u9886\u91d1\u878d\u79d1\u6280\u9769\u547d\uff1f<\/h2>\n<p>\u4e3a\u4ec0\u4e48\u65e0\u94f6\u884c\u8d26\u6237\u7684\u4eba\u6570\u51cf\u5c11\u4e86\uff1f\u4e3a\u4ec0\u4e48\u6211\u4eec\u4e50\u89c2\u5730\u8ba4\u4e3a\uff0c\u4e16\u754c\u5c06\u7ee7\u7eed\u6b22\u8fce\u65b0\u6210\u5458\u52a0\u5165\u5168\u7403\u91d1\u878d\u754c\uff1f \u5176\u4e2d\u4e00\u5927\u539f\u56e0\u53ef\u80fd\u5c31\u5728\u60a8\u7684\u624b\u4e2d\u6216\u53e3\u888b\u91cc\u3002<\/p>\n<p>\u622a\u81f3 2023 \u5e74\uff0c\u5168\u7403\u624b\u673a\u7528\u6237\u6570\u91cf\u8fbe\u5230 43 \u4ebf\uff0c\u5360\u5168\u7403\u4eba\u53e3\u7684\u4e00\u534a\u4ee5\u4e0a\u3002<a href=\"#_ftn9\" name=\"_ftnref9\">[9]<\/a>\u8fd9\u4e00\u8d8b\u52bf\u5c06\u5ef6\u7eed\u4e0b\u53bb\uff0c\u5230 2030 \u5e74\u5e95\uff0c\u624b\u673a\u7528\u6237\u6570\u91cf\u5c06\u8fbe\u5230 60 \u4ebf\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-124324\" src=\"https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1838\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-scaled.jpg 2560w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-300x215.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-1024x735.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-150x108.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-768x551.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-1536x1103.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-2048x1470.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<p>\u79fb\u52a8\u6280\u672f\u81f3\u5173\u91cd\u8981\uff0c\u56e0\u4e3a\u73b0\u4ee3\u667a\u80fd\u624b\u673a\u7684\u529f\u80fd\u8fdc\u4e0d\u6b62\u53d1\u77ed\u4fe1\u548c\u6253\u7535\u8bdd\u3002\u667a\u80fd\u624b\u673a\u610f\u5473\u7740\u53ef\u4ee5\u8bbf\u95ee\u5168\u7403\u7f51\u7edc\u3002\u65e2\u53ef\u8bbf\u95ee\u56fd\u5185\u5916\u94f6\u884c\uff0c\u53c8\u53ef\u8bbf\u95ee\u5e94\u7528\u7a0b\u5e8f\uff0c\u7528\u6237\u53ea\u9700\u8f7b\u8f7b\u4e00\u5237\u5373\u53ef\u8d2d\u4e70\u4ea7\u54c1\uff0c\u6216\u8005\u4e3a\u81ea\u5df1\u63d0\u4f9b\u670d\u52a1\u7684\u6536\u6b3e\u3002\u624b\u673a\u5411\u65b0\u6765\u8005\u4ecb\u7ecd\u91d1\u878d\u57fa\u7840\u77e5\u8bc6\uff0c\u5e2e\u5176\u5efa\u7acb\u53ef\u6838\u5b9e\u7684\u4fe1\u7528\u8bb0\u5f55\uff0c\u4ece\u800c\u5f00\u542f\u7ecf\u6d4e\u5305\u5bb9\u7684\u5927\u95e8\uff0c\u8fd9\u4e9b\u4fe1\u7528\u8bb0\u5f55\u53c8\u53ef\u7528\u4e8e\u7533\u8bf7\u8d37\u6b3e\u6216\u8fdb\u884c\u83b7\u5229\u6295\u8d44\u3002\u624b\u673a\u9010\u6e10\u6210\u4e3a\u4e86\u5f00\u542f\u91d1\u878d\u81ea\u7531\u4e4b\u95e8\u7684\u94a5\u5319\u3002<\/p>\n<p>\u7136\u800c\uff0c\u8fd9\u53ea\u662f\u91d1\u878d\u79d1\u6280\u9769\u547d\u52a9\u529b\u6c11\u4e3b\u5316\u83b7\u53d6\u8d44\u91d1\u7684\u51b0\u5c71\u4e00\u89d2\u3002<\/p>\n<p>\u7814\u7a76\u8868\u660e\uff0c\u5728\u8fc7\u53bb\u5341\u5e74\u95f4\uff0c\u91d1\u878d\u79d1\u6280\u4ee5\u5404\u79cd\u5f62\u5f0f\u5e2e\u52a9\u4e86\u8d85\u8fc7 10 \u4ebf\u65e0\u94f6\u884c\u8d26\u6237\u8005\u9996\u6b21\u83b7\u4eab\u91d1\u878d\u670d\u52a1\uff0c\u5c24\u5176\u662f\u5728\u6492\u54c8\u62c9\u4ee5\u5357\u975e\u6d32\u548c\u4e9a\u6d32\u7684\u65b0\u5174\u5e02\u573a\u3002<a href=\"#_ftn10\" name=\"_ftnref10\">[10]<\/a><\/p>\n<p>\u624b\u673a\u6b63\u5728\u4e3a\u53d1\u5c55\u4e2d\u56fd\u5bb6\u5b9e\u73b0\u4e2a\u4eba\u91d1\u878d\u7684\u65b0\u6982\u5ff5\u2014\u2014\u79fb\u52a8\u8d27\u5e01\u670d\u52a1\u3002<\/p>\n<p>\u901a\u8fc7\u5b89\u88c5\u4e86\u5e94\u7528\u7a0b\u5e8f\u7684\u4efb\u4f55\u667a\u80fd\u624b\u673a\uff0c\u7528\u6237\u5747\u53ef\u8bbf\u95ee\u79fb\u52a8\u8d27\u5e01\u670d\u52a1\uff0c\u6536\u4ed8\u548c\u5b58\u50a8\u6b3e\u9879\uff0c\u65e0\u9700\u4f7f\u7528\u4f20\u7edf\u7684\u94f6\u884c\u8d26\u6237\u3002\u4e3a\u65b9\u4fbf\u8d77\u89c1\uff0c\u8be5\u670d\u52a1\u4e5f\u5141\u8bb8\u5728\u6388\u6743\u4ee3\u7406\u5904\u63d0\u53d6\u73b0\u91d1\u3002\u5b58\u6b3e\u53d7\u5f53\u5730\u91d1\u878d\u6cd5\u89c4\u7684\u4fdd\u62a4\uff0c\u6bcf\u7b14\u4ea4\u6613\u90fd\u7559\u5b58\u8bb0\u5f55\uff0c\u4ee5\u4fbf\u5728 SIM \u5361\u4e22\u5931\u6216\u88ab\u76d7\u65f6\u4fdd\u969c\u8d44\u91d1\u5b89\u5168\u3002\u5728\u80af\u5c3c\u4e9a\u519c\u6751\u4eba\u53e3\u4e2d\u5f00\u5c55\u7684\u4e00\u9879\u8bd5\u9a8c\u8ba1\u5212\uff0c\u6210\u529f\u5730\u4f7f\u7ea6 2% \u7684\u53c2\u4e0e\u5bb6\u5ead\u6446\u8131\u4e86\u8d2b\u56f0\u3002<a href=\"#_ftn11\" name=\"_ftnref11\">[11]<\/a><\/p>\n<p>\u968f\u7740\u4ece\u4e8b\u96f6\u5de5\u7ecf\u6d4e\u6216\u6309\u5c0f\u65f6\u8ba1\u916c\u7684\u4eba\u8d8a\u6765\u8d8a\u591a\uff0c\u6309\u6708\u9886\u5de5\u8d44\u5355\u7684\u65f6\u4ee3\u6b63\u5728\u8d70\u5411\u7ec8\u7ed3\u3002\u5982\u679c\u60a8\u5728\u4e00\u5468\u5185\u4e3a\u591a\u5bb6\u96c7\u4e3b\u5de5\u4f5c\uff0c\u5e76\u4e14\u6bcf\u5bb6\u96c7\u4e3b\u7684\u4ed8\u85aa\u5b89\u6392\u5404\u5f02\uff0c\u60a8\u8be5\u5982\u4f55\u7ed3\u7b97\u7d27\u6025\u8d26\u5355\u6216\u5728\u8d85\u5e02\u8d2d\u7269\uff1f \u5b9e\u65f6\u652f\u4ed8\u6280\u672f\u7684\u51fa\u73b0\u586b\u8865\u4e86\u8fd9\u4e00\u7a7a\u767d\uff0c\u4f7f\u804c\u5de5\u5f97\u4ee5\u901a\u8fc7\u201c\u5df2\u8d5a\u5de5\u8d44\u201d\u5e73\u53f0\u5feb\u901f\u9886\u53d6\u5e94\u8ba1\u5de5\u8d44\u3002\u4e8b\u5b9e\u8bc1\u660e\uff0c\u5bf9\u4e8e\u6536\u5165\u4e0d\u7a33\u5b9a\u7684\u7fa4\u4f53\u800c\u8a00\uff0c\u8fd9\u662f\u4e00\u6761\u81f3\u5173\u91cd\u8981\u7684\u751f\u547d\u7ebf\uff0c\u5373\u4f7f\u5728\u7f8e\u56fd\u8fd9\u6837\u7684\u53d1\u8fbe\u56fd\u5bb6\uff0c\u4ecd\u6709\u8d85\u8fc7\u56db\u5206\u4e4b\u4e00\u7684\u804c\u5de5\u6ca1\u6709\u50a8\u84c4\u3002<a href=\"#_ftn12\" name=\"_ftnref12\">[12]<\/a><\/p>\n<p>\u65b0\u5174\u5e02\u573a\u7684\u91d1\u878d\u81ea\u7531\u5316\u59cb\u4e8e\u7a33\u5065\u7684\u7f51\u7edc\u57fa\u7840\u8bbe\u65bd\u3002\u4ece\u73b0\u5728\u5230 2026 \u5e74\uff0c\u79d1\u6280\u516c\u53f8\u5c06\u8d70\u5728\u524d\u5217\uff0c\u8ba1\u5212\u5728\u4e2d\u4e1c\u3001\u975e\u6d32\u548c\u4e9a\u6d32\u7684 16 \u4e2a\u56fd\u5bb6<a href=\"https:\/\/www.itu.int\/hub\/2024\/02\/why-e-pledged-to-boost-meaningful-connectivity\/\">\u6295\u8d44\u6570\u5341\u4ebf\u7f8e\u5143<\/a>\uff0c\u5efa\u8bbe\u5b9e\u60e0\u7684\u8fde\u63a5\u548c\u6570\u5b57\u670d\u52a1\u3002\u8fd9\u7b14\u6b3e\u9879\u5c06\u7528\u4e8e\u63d0\u9ad8\u7f51\u7edc\u901f\u5ea6\u548c\u63a8\u52a8\u5149\u7ea4\u91c7\u7528\u3002\u5df4\u57fa\u65af\u5766\u5df2\u6709 100 \u4e07\u6237\u5bb6\u5ead\u52a0\u5165\u6570\u5b57\u7ecf\u6d4e\u7684\u884c\u5217\uff0c\u6570\u767e\u4e07\u6237\u5bb6\u5ead\u5c06\u7d27\u968f\u5176\u540e\u3002<\/p>\n<p>\u79d1\u6280\u4e5f\u80fd\u52a9\u529b\u6539\u5584\u5973\u6027\u4f01\u4e1a\u5bb6\u7684\u666e\u60e0\u91d1\u878d\u4f53\u9a8c\uff0c\u5728\u5168\u4e16\u754c\u8bb8\u591a\u5730\u533a\uff0c\u8fd9\u4e00\u7fa4\u4f53\u5e38\u5e38\u9700\u8981\u52aa\u529b\u4e89\u53d6\u8bdd\u8bed\u6743\u3002\u6570\u5b57\u8bb0\u8d26\u5e94\u7528\u7a0b\u5e8f\u6b63\u5728\u5e2e\u52a9\u4e2d\u5c0f\u4f01\u4e1a (SME) \u51c6\u786e\u8bb0\u5f55\u73b0\u91d1\u6d41\u548c\u5e93\u5b58\u2014\u2014\u5728\u65e0\u62b5\u62bc\u7269\u7684\u60c5\u51b5\u4e0b\uff0c\u8fd9\u4e9b\u91cd\u8981\u7684\u8d22\u52a1\u8bb0\u5f55\u53ef\u7528\u4e8e\u7533\u8bf7\u8d37\u6b3e\u3002\u540c\u6837\uff0c\u7535\u5b50\u5316\u201c\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\u201d(e-KYC) \u6280\u672f\u6b63\u901a\u8fc7\u6570\u5b57\u9a8c\u8bc1\u8eab\u4efd\uff0c\u5e2e\u52a9\u65b0\u5174\u5e02\u573a\u7684\u5973\u6027\u4f01\u4e1a\u4e3b\u83b7\u5f97\u9ad8\u8fbe 20,000 \u7f8e\u5143\u7684\u8d37\u6b3e\u3002<a href=\"#_ftn13\" name=\"_ftnref13\">[13]<\/a><\/p>\n<p>\u91d1\u878d\u79d1\u6280\u521b\u65b0\u52a9\u529b\u4fdd\u62a4\u5ba2\u6237\u8d44\u4ea7\uff0c\u540c\u65f6\u786e\u4fdd\u9075\u5b88\u56fd\u5bb6\u7acb\u6cd5\uff0c\u8fd9\u5bf9\u4efb\u4f55\u529f\u80fd\u6027\u7684\u666e\u60e0\u91d1\u878d\u4f53\u7cfb\u90fd\u81f3\u5173\u91cd\u8981\u3002\u76d1\u7ba1\u79d1\u6280 (regtech) \u548c\u76d1\u7763\u79d1\u6280 (suptech) \u5de5\u5177\u6b63\u5728\u5e2e\u52a9\u89c4\u8303\u5316\u5bf9\u65b0\u91d1\u878d\u5e73\u53f0\u7684\u76d1\u7ba1\u3002\u76d1\u7ba1\u79d1\u6280\u7ed3\u5408 AI\u3001\u673a\u5668\u5b66\u4e60\u3001\u533a\u5757\u94fe\u7b49\u5c16\u7aef\u6280\u672f\uff0c\u5e2e\u52a9\u516c\u53f8\u9075\u5b88\u7279\u5b9a\u533a\u57df\u5185\u7684\u91d1\u878d\u6cd5\u89c4\u3002\u76d1\u7763\u79d1\u6280\u5de5\u5177\u5141\u8bb8\u76d1\u7ba1\u673a\u6784\u5ba1\u67e5\u6765\u81ea\u91d1\u878d\u673a\u6784\u7684\u5927\u91cf\u6570\u636e\uff0c\u4ee5\u66b4\u9732\u8fdd\u89c4\u884c\u4e3a\u6216\u98ce\u9669\u3002\u76d1\u7ba1\u79d1\u6280\u548c\u76d1\u7763\u79d1\u6280\u5171\u540c\u5b9e\u73b0\u4e86\u5408\u89c4\u6d41\u7a0b\u81ea\u52a8\u5316\uff0c\u505a\u5230\u5b9e\u65f6\u76d1\u63a7\uff0c\u6700\u7ec8\u52a9\u529b\u666e\u60e0\u91d1\u878d\u84ec\u52c3\u53d1\u5c55\u3002<\/p>\n<p>\u5d4c\u5165\u5f0f\u91d1\u878d\u79d1\u6280\uff08\u53ef\u901a\u8fc7\u975e\u94f6\u884c\u7f51\u7ad9\u8bbf\u95ee\u7684\u76f4\u63a5\u652f\u4ed8\u6216\u8d37\u6b3e\u5de5\u5177\uff09\u6b63\u5728\u6fc0\u589e\uff0c\u4e3a\u4efb\u4f55\u4e92\u8054\u7f51\u8bbf\u95ee\u8005\u63d0\u4f9b\u4e86\u66f4\u5feb\u6377\u5168\u80fd\u7684\u4ea4\u6613\u9009\u62e9\u3002<\/p>\n<p>\u65b0\u578b\u5feb\u901f\u652f\u4ed8\u7cfb\u7edf\u4e5f\u52a0\u901f\u4e86\u91d1\u878d\u79d1\u6280\u5728\u53d1\u5c55\u4e2d\u5e02\u573a\u7684\u666e\u53ca\u3002\u5b83\u4eec\u5141\u8bb8\u8d26\u6237\u95f4\u8fd1\u4e4e\u5373\u65f6\u5730\u8f6c\u79fb\u8d44\u91d1\uff0c\u901f\u5ea6\u6bd4\u4f20\u7edf\u7535\u5b50\u652f\u4ed8\u5feb\u5f97\u591a\u3002\u8fd9\u9879\u6280\u672f\u6b63\u9010\u6b65\u666e\u53ca\u5230\u6bcf\u4e2a\u4eba\uff0c\u6db5\u76d6\u4e86\u5404\u79cd\u7c7b\u578b\u7684\u4ea4\u6613\uff0c\u65e0\u8bba\u662f\u4e2a\u4eba\u5bf9\u4e2a\u4eba\u8fd8\u662f\u4f01\u4e1a\u5bf9\u4f01\u4e1a\uff0c\u65e0\u8bba\u662f\u56fd\u5185\u8fd8\u662f\u8de8\u5883\u3002\u8fc4\u4eca\u4e3a\u6b62\uff0c\u652f\u4ed8\u7cfb\u7edf\u5f00\u53d1\u96c6\u56e2 (<a href=\"https:\/\/www.worldbank.org\/en\/topic\/paymentsystemsremittances\">PSDG<\/a>) \u7b49\u56fd\u9645\u5021\u8bae\u5df2\u7ecf\u5e2e\u52a9 120 \u591a\u4e2a\u56fd\u5bb6\u548c\u5730\u533a\u5b8c\u6210\u4e86\u652f\u4ed8\u7cfb\u7edf\u7684\u73b0\u4ee3\u5316\u6539\u9020\uff0c\u5df4\u897f\u7684 <a href=\"https:\/\/www.bcb.gov.br\/en\/financialstability\/pix_en\">Pix<\/a> \u548c\u54e5\u65af\u8fbe\u9ece\u52a0\u7684 <a href=\"https:\/\/www.bccr.fi.cr\/en\/payments-system\/public-services\/sinpe-m%C3%B3vil\">SINPE M\u00f3vil<\/a> \u90fd\u662f\u5173\u952e\u8303\u4f8b\u3002<\/p>\n<p>\u79c1\u8425\u90e8\u95e8\u6b63\u5728\u79ef\u6781\u63a8\u52a8\u91d1\u878d\u670d\u52a1\u7684\u6570\u5b57\u5316\uff0c\u4ee5\u6539\u5584\u83b7\u5f97\u8d44\u91d1\u7684\u6e20\u9053\u3002\u5b89\u5229\u6377\u5728\u5168\u7403\u90e8\u7f72\u91d1\u878d\u79d1\u6280\u548c\u6269\u5927\u5305\u5bb9\u6027\u65b9\u9762\u5904\u4e8e\u524d\u6cbf\u5730\u4f4d\u3002<\/p>\n<p><a href=\"https:\/\/www.aljfinance.com\/en\/business\/bab-rizq-jameel\">Bab Rizq Jameel Microfinance<\/a> \u96b6\u5c5e\u4e8e Abdul Latif Jameel Finance Saudi Arabia\uff0c\u5411\u957f\u671f\u88ab\u5ffd\u89c6\u7684\u5e02\u573a\u63d0\u4f9b\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u7684\u8d37\u6b3e\uff0c\u5e2e\u52a9\u521b\u65b0\u8005\u548c\u4e2d\u5c0f\u4f01\u4e1a\u57f9\u517b\u521b\u4e1a\u7cbe\u795e\u3002\u5728\u6c99\u7279\u963f\u62c9\u4f2f\u7684\u5176\u4ed6\u5730\u65b9\uff0c<a href=\"https:\/\/www.aljfinance.com\/en\/individuals\/cash-financing-individuals\">Cash Jameel<\/a> \u5141\u8bb8\u5ba2\u6237\u901a\u8fc7\u624b\u673a\u5e94\u7528\u7a0b\u5e8f\u7533\u8bf7 10,000 \u81f3 300,000 \u6c99\u7279\u91cc\u4e9a\u5c14\u7684\u8d37\u6b3e\uff0c\u65e0\u9700\u62c5\u4fdd\uff0c\u51e0\u5206\u949f\u5185\u5373\u53ef\u83b7\u6279\u3002<\/p>\n<p>\u4e0e\u6b64\u540c\u65f6\uff0cAbdul Latif Jameel Investment Management Company (<a href=\"https:\/\/jimco.com\/en\/\">JIMCO<\/a>) \u6b63\u5728\u6295\u8d44\u4f17\u591a\u4f01\u4e1a\uff0c\u8ba9\u4e2a\u4eba\u548c\u4f01\u4e1a\u80fd\u591f\u5728\u8feb\u5207\u9700\u8981\u4e4b\u65f6\u83b7\u5f97\u6240\u9700\u7684\u8d44\u91d1\u3002\u6295\u8d44\u9879\u76ee\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\u793e\u4f1a\u5f71\u54cd\u529b\u91d1\u878d\u79d1\u6280\u4f01\u4e1a <a href=\"https:\/\/jimco.com\/en\/portfolio\/\">Ziina<\/a>\uff0c\u5efa\u8bbe\u4e00\u4e2a\u5373\u65f6\u652f\u4ed8\u5e73\u53f0\uff0c\u5141\u8bb8\u4e2d\u4e1c\u548c\u5317\u975e\u5730\u533a\u7684\u804c\u5de5\u63d0\u524d\u9886\u53d6\u5df2\u5b8c\u6210\u4f46\u5c1a\u672a\u4ed8\u85aa\u5de5\u4f5c\u7684\u76f8\u5e94\u5de5\u8d44\u3002<\/li>\n<li>\u5148\u4e70\u540e\u4ed8\u521d\u521b\u516c\u53f8 <a href=\"https:\/\/jimco.com\/en\/portfolio\/tabby\/\">Tabby<\/a>\uff0c\u5e2e\u52a9\u963f\u8054\u914b\u548c\u6c99\u7279\u963f\u62c9\u4f2f\u7684\u5ba2\u6237\u4ee5\u5206\u671f\u4ed8\u6b3e\u6216\u5ef6\u671f\u4e00\u6b21\u6027\u4ed8\u6b3e\u7684\u5f62\u5f0f\u8d2d\u7269\u4ed8\u8d39\uff0c\u65e0\u989d\u5916\u8d39\u7528\u3002<\/li>\n<li>\u571f\u8033\u5176\u91d1\u878d\u79d1\u6280\u516c\u53f8 <a href=\"https:\/\/jimco.com\/en\/portfolio\/figopara\/\">Figopara<\/a>\uff0c\u901a\u8fc7\u5ef6\u957f\u5bf9\u4f9b\u5e94\u5546\u7684\u4ed8\u6b3e\u671f\u9650\uff0c\u4e3a\u4f01\u4e1a\u63d0\u4f9b\u5ef6\u671f\u7684\u8425\u8fd0\u8d44\u672c\u3002<\/li>\n<li><a href=\"http:\/\/jimco.com\/en\/portfolio\/thndr\/\">Thndr<\/a>\uff0c\u4e00\u4e2a\u79fb\u52a8\u4f18\u5148\u7684\u80a1\u7968\u4ea4\u6613\u5e73\u53f0\uff0c\u5141\u8bb8\u4e2a\u4eba\u5728\u57c3\u53ca\u8bc1\u5238\u4ea4\u6613\u6240\u8fdb\u884c\u80a1\u7968\u3001\u503a\u5238\u548c\u57fa\u91d1\u7684\u65e0\u4f63\u91d1\u6295\u8d44\u3002<\/li>\n<li><a href=\"https:\/\/jimco.com\/en\/portfolio\/rain-financial-inc\/\">Rain<\/a>\uff0c\u4e3a\u4e2d\u4e1c\u6295\u8d44\u8005\u8fdb\u5165\u52a0\u5bc6\u8d27\u5e01\u5e02\u573a\u63d0\u4f9b\u4e86\u4fbf\u5229\u3002<\/li>\n<li>\u4f4d\u4e8e\u5229\u96c5\u5f97\u7684\u4e00\u4e2a B2B \u5e73\u53f0 <a href=\"https:\/\/jimco.com\/en\/portfolio\/lean-technologies\/\">Lean Technologies<\/a>\uff0c\u5f00\u53d1\u7528\u6237\u53cb\u597d\u578b\u8f6f\u4ef6\uff0c\u7528\u4e8e\u5c06\u91d1\u878d\u670d\u52a1\u673a\u6784\u5b89\u5168\u5730\u8fde\u63a5\u5230\u5ba2\u6237\u7684\u94f6\u884c\u8d26\u6237\u3002<\/li>\n<\/ul>\n<p>\u672a\u6765\u91d1\u878d\u79d1\u6280\u5c06\u7ee7\u7eed\u53d1\u5c55\uff0c\u4e3a\u5927\u4f17\u5e26\u6765\u666e\u60e0\u91d1\u878d\uff0c\u5e76\u81f3\u5c11\u89e3\u51b3\u4e16\u754c\u4e0a\u65e0\u94f6\u884c\u8d26\u6237\u5c11\u6570\u7fa4\u4f53\u6240\u9762\u4e34\u7684\u4e00\u90e8\u5206\u56f0\u5883\u3002\u672a\u6765\u4f1a\u662f\u4ec0\u4e48\u6837\uff1f\u653f\u5e9c\u3001\u975e\u653f\u5e9c\u7ec4\u7ec7\u548c\u4f01\u4e1a\u5e94\u8be5\u505a\u4f55\u51c6\u5907\uff1f<\/p>\n<h2>\u91d1\u878d\u79d1\u6280\u548c\u666e\u60e0\u91d1\u878d\u4f1a\u5e26\u6765\u66f4\u516c\u5e73\u7684\u672a\u6765\u5417\uff1f<\/h2>\n<p>\u4ece\u6570\u636e\u6765\u770b\uff0c\u79d1\u6280\u4f3c\u4e4e\u6b63\u5728\u63a8\u52a8\u6211\u4eec\u8d70\u5411\u4e00\u4e2a\u66f4\u52a0\u516c\u5e73\u5305\u5bb9\u7684\u91d1\u878d\u751f\u6001\u4f53\u7cfb\u3002\u968f\u7740\u8d8a\u6765\u8d8a\u591a\u7684\u56fd\u5bb6\u5b9e\u73b0\u7ecf\u6d4e\u6570\u5b57\u5316\uff0c\u8d8a\u6765\u8d8a\u591a\u7684\u516c\u6c11\u5c06\u4e2a\u4eba\u8d22\u52a1\u8f6c\u79fb\u5230\u7f51\u4e0a\uff0c\u5b9d\u8d35\u7684\u65b0\u89c1\u89e3\u4f1a\u5f97\u5230\u91c7\u7eb3\uff0c\u878d\u8d44\u673a\u4f1a\u4e5f\u5c06\u6d6e\u73b0\u3002<\/p>\n<p>\u8d8a\u6765\u8d8a\u591a\u7684\u201c\u5927\u578b\u79d1\u6280\u201d\u63d0\u4f9b\u8005\u5c06\u5229\u7528\u591a\u4e2a\u6570\u636e\u70b9\uff08\u6c34\u7535\u8d39\u8d26\u5355\u3001\u79df\u91d1\u6536\u636e\u3001\u96f6\u661f\u6536\u5165\uff09\u6765\u8bc4\u4f30\u8d37\u6b3e\u7533\u8bf7\u3002\u5177\u5907\u524d\u6240\u672a\u6709\u7684\u5b89\u5168\u5c42\u7684\u6570\u636e\u6e20\u9053\uff0c\u5c06\u4f7f\u653f\u5e9c\u3001\u4f01\u4e1a\u548c\u94f6\u884c\u80fd\u591f\u5b55\u80b2\u5f00\u653e\u7684\u94f6\u884c\u6587\u5316\u3002\u5b89\u5168\u4ea4\u6362\u654f\u611f\u7684\u8d22\u52a1\u4fe1\u606f\u5c06\u6709\u52a9\u4e8e\u4e2a\u4f53\u7ecf\u8425\u8005\u6210\u957f\u4e3a\u4e2d\u5c0f\u4f01\u4e1a\uff0c\u4e2d\u5c0f\u4f01\u4e1a\u6210\u957f\u4e3a\u5927\u578b\u4f01\u4e1a\uff0c\u5927\u578b\u4f01\u4e1a\u6709\u671d\u4e00\u65e5\u6210\u957f\u4e3a\u8de8\u56fd\u5de8\u64d8\u3002<\/p>\n<p>\u5c55\u671b\u672a\u6765\uff0c\u516c\u5171\u548c\u79c1\u8425\u90e8\u95e8\u5fc5\u987b\u56e2\u7ed3\u4e00\u81f4\uff0c\u4e13\u6ce8\u4e8e\u6570\u5b57\u751f\u6001\u7cfb\u7edf\u7684\u6839\u672c\u4f18\u5148\u4e8b\u9879\uff1a\u8fde\u63a5\u6027\u3001\u7f51\u7edc\u5b89\u5168\u3001\u6570\u636e\u9690\u79c1\u3001\u6570\u5b57\u8eab\u4efd\u548c\u7269\u7406\u57fa\u7840\u8bbe\u65bd\u3002<\/p>\n<p>\u91d1\u878d\u7cfb\u7edf\u56fa\u6709\u7684\u95ee\u9898\u9700\u8981\u4ee5\u66f4\u591a\u7684\u7814\u7a76\u6765\u89c4\u907f\uff0c\u8fd9\u4e9b\u7cfb\u7edf\u6b63\u9010\u6b65\u8d8b\u4e8e\u81ea\u52a8\u5316\uff0c\u53ef\u4ee5\u8bf4\u4eba\u7c7b\u56e0\u7d20\u8d8a\u6765\u8d8a\u5c11\u3002\u6211\u4eec\u9700\u8981\u8bc4\u4f30\u4e0e\u6d88\u8d39\u8005\u4fdd\u62a4\u7d27\u5bc6\u76f8\u8fde\u7684\u6f5c\u5728\u5371\u5bb3\u3002\u6211\u4eec\u9700\u8981\u4e86\u89e3\u4e2a\u4eba\u548c\u4f01\u4e1a\u8fc7\u5ea6\u501f\u8d37\u7684\u5371\u9669\u3002\u6211\u4eec\u4e5f\u9700\u8981\u786e\u4fdd\u5987\u5973\u548c\u5176\u4ed6\u672a\u5f97\u5230\u5145\u5206\u670d\u52a1\u7684\u5c11\u6570\u7fa4\u4f53\u4e5f\u80fd\u5171\u4eab\u8d22\u5bcc\u65b0\u673a\u9047\u3002<\/p>\n<p>\u6240\u6709\u673a\u6784\u90fd\u8981\u626e\u6f14\u597d\u81ea\u5df1\u7684\u89d2\u8272\u3002<\/p>\n<p>\u94f6\u884c\u5fc5\u987b\u5236\u5b9a\u7b56\u7565\uff0c\u4fc3\u8fdb\u8d1f\u8d23\u4efb\u7684\u501f\u8d37\u548c\u652f\u51fa\u3002\u652f\u4ed8\u63d0\u4f9b\u5546\u5fc5\u987b\u4e0e\u91d1\u878d\u79d1\u6280\u516c\u53f8\u5408\u4f5c\uff0c\u5206\u6790\u6570\u636e\u5e76\u5b9e\u73b0\u53ef\u6301\u7eed\u6295\u8d44\u3002<\/p>\n<p>\u5404\u56fd\u653f\u5e9c\u5fc5\u987b\u4e3a\u5f00\u653e\u5171\u4eab\u6570\u636e\u7acb\u6cd5\uff0c\u5e76\u901a\u8fc7\u5c06\u81ea\u8eab\u7684\u652f\u4ed8\u65b9\u5f0f\u8f6c\u79fb\u5230\u6570\u5b57\u9886\u57df\u6765\u9f13\u52b1\u8fd9\u79cd\u8f6c\u578b\u3002<\/p>\n<p>\u56fd\u9645\u7acb\u6cd5\u8005\u5fc5\u987b\u534f\u8c03\u76d1\u7ba1\u6846\u67b6\uff0c\u786e\u4fdd\u8de8\u5883\u6280\u672f\u517c\u5bb9\u6027\u3002\u975e\u653f\u5e9c\u7ec4\u7ec7\u5fc5\u987b\u8fdb\u4e00\u6b65\u6269\u5927\u666e\u60e0\u8303\u56f4\uff0c\u52a9\u529b\u63d0\u9ad8\u91d1\u878d\u7d20\u517b\uff0c\u5e76\u5728\u57fa\u5c42\u53d1\u6325\u91d1\u878d\u79d1\u6280\u7684\u76ca\u5904\u3002<\/p>\n<figure id=\"attachment_102302\" aria-describedby=\"caption-attachment-102302\" style=\"width: 232px\" class=\"wp-caption alignright\"><img decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-102302\" src=\"https:\/\/media.alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web-232x300.jpg\" alt=\"Jaroslav Gaisler\" width=\"232\" height=\"300\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web-232x300.jpg 232w, https:\/\/media.alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web-116x150.jpg 116w, https:\/\/media.alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web.jpg 371w\" sizes=\"(max-width: 232px) 100vw, 232px\" \/><figcaption id=\"caption-attachment-102302\" class=\"wp-caption-text\">Jaroslav Gaisler<br \/>\u5b89\u5229\u6377\u91d1\u878d\u670d\u52a1\u548c\u91d1\u878d\u79d1\u6280<br \/>\u9996\u5e2d\u6267\u884c\u5b98<\/figcaption><\/figure>\n<p>\u201c<em>\u56de\u62a5\u53ef\u80fd\u662f\u6df1\u8fdc\u800c\u6301\u4e45\u7684\uff0c<\/em>\u201d\u5b89\u5229\u6377\u91d1\u878d\u670d\u52a1\u548c\u91d1\u878d\u79d1\u6280\u9996\u5e2d\u6267\u884c\u5b98 <a href=\"https:\/\/alj.com\/en\/our-people\/jaroslav-gaisler\/\">Jaroslav Gaisler<\/a> \u8868\u793a\u3002<\/p>\n<p>\u201c<em>\u91d1\u878d\u79d1\u6280\u4e0e\u666e\u60e0\u91d1\u878d\u6982\u5ff5\u7684\u7ed3\u5408\uff0c\u91ca\u653e\u4e86\u5e02\u573a\u5185\u5f80\u5f80\u4f1a\u88ab\u66f4\u6210\u719f\u7684\u7ecf\u6d4e\u5bf9\u624b\u76d6\u8fc7\u98ce\u5934\u7684\u5c1a\u672a\u5f00\u53d1\u7684\u521b\u65b0\u529b\u91cf\u7684\u667a\u6167\u4e0e\u80fd\u91cf\u3002<\/em><\/p>\n<p><em>\u6211\u4eec\u90fd\u4f1a\u4ece\u4e00\u4e2a\u5171\u540c\u7e41\u8363\u7684\u4e16\u754c\u4e2d\u53d7\u76ca\u3002<\/em><em>\u201d<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>\u6982\u89c8\uff1a\u79d1\u6280\u5bf9\u666e\u60e0\u91d1\u878d\u7684\u5f71\u54cd<\/h2>\n<p><strong>\u95ee\uff1a\u5168\u7403\u6709\u591a\u5c11\u6210\u5e74\u4eba\u65e0\u6cd5\u83b7\u5f97\u57fa\u672c\u7684\u94f6\u884c\u670d\u52a1\uff1f<\/strong><\/p>\n<p>\u7b54\uff1a\u5927\u7ea6 14 \u4ebf\u4eba\uff08\u7ea6\u5360\u4e16\u754c\u6210\u5e74\u4eba\u53e3\u7684\u56db\u5206\u4e4b\u4e00\uff09\u65e0\u94f6\u884c\u8d26\u6237\uff0c\u65e0\u6cd5\u83b7\u5f97\u94f6\u884c\u8d26\u6237\u6216\u9002\u5f53\u7684\u66ff\u4ee3\u65b9\u6848\u3002<\/p>\n<p><strong>\u95ee\uff1a\u79fb\u52a8\u6280\u672f\u7684\u666e\u53ca\u5982\u4f55\u6539\u53d8\u4e86\u91d1\u878d\u683c\u5c40\uff1f<\/strong><\/p>\n<p>\u7b54\uff1a\u622a\u81f3 2023 \u5e74\uff0c\u5168\u7403\u6709 43 \u4ebf\u624b\u673a\u7528\u6237\uff08\u8d85\u8fc7\u5168\u7403\u4eba\u53e3\u7684\u4e00\u534a\uff09\uff0c\u5728\u8fc7\u53bb\u5341\u5e74\u4e2d\uff0c\u91d1\u878d\u79d1\u6280\u5e2e\u52a9\u4e86\u8d85\u8fc7 10 \u4ebf\u6b64\u524d\u65e0\u94f6\u884c\u8d26\u6237\u8005\u83b7\u4eab\u91d1\u878d\u670d\u52a1\u3002<\/p>\n<p><strong>\u95ee\uff1a\u54ea\u4e9b\u5730\u533a\u53d7\u91d1\u878d\u6392\u65a5\u5f71\u54cd\u6700\u5927\uff1f<\/strong><\/p>\n<p>\u7b54\uff1a\u5728 14 \u4ebf\u88ab\u6392\u65a5\u5728\u91d1\u878d\u4e4b\u5916\u7684\u6210\u5e74\u4eba\u4e2d\uff0c\u7ea6 80% \u751f\u6d3b\u5728\u65b0\u5174\u5e02\u573a\uff0c\u7279\u522b\u662f\u6492\u54c8\u62c9\u4ee5\u5357\u975e\u6d32\u548c\u4e9a\u6d32\uff0c\u8fd9\u4e9b\u5730\u533a\u4e5f\u5904\u4e8e\u6c14\u5019\u53d8\u5316\u6311\u6218\u7684\u524d\u6cbf\u3002<\/p>\n<p><strong>\u95ee\uff1a\u5728\u51cf\u5c11\u65e0\u94f6\u884c\u8d26\u6237\u7684\u4eba\u6570\u65b9\u9762\u53d6\u5f97\u4e86\u591a\u5c11\u8fdb\u5c55\uff1f<\/strong><\/p>\n<p>\u7b54\uff1a\u65e0\u94f6\u884c\u8d26\u6237\u6210\u5e74\u4eba\u7684\u6570\u91cf\u4ece 2011 \u5e74\u7684 25 \u4ebf\u5927\u5e45\u4e0b\u964d\u81f3\u5982\u4eca\u7684 14 \u4ebf\uff0c\u8868\u660e\u666e\u60e0\u91d1\u878d\u7a33\u6b65\u6539\u5584\u3002<\/p>\n<p><strong>\u95ee\uff1a\u6709\u591a\u5c11\u56fd\u5bb6<\/strong><strong>\/<\/strong><strong>\u5730\u533a\u5236\u5b9a\u4e86\u56fd\u5bb6\u666e\u60e0\u91d1\u878d\u6218\u7565\uff1f<\/strong><\/p>\n<p>\u7b54\uff1a\u903e 60 \u4e2a\u56fd\u5bb6\u548c\u5730\u533a\u5df2\u7ecf\u542f\u52a8\u4e86\u56fd\u5bb6\u666e\u60e0\u91d1\u878d\u6218\u7565\uff0c\u6d89\u53ca\u7535\u4fe1\u3001\u73af\u5883\u3001\u6559\u80b2\u548c\u91d1\u878d\u76d1\u7ba1\u7b49\u591a\u4e2a\u90e8\u95e8\u7684\u5229\u76ca\u76f8\u5173\u65b9\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2024\/07\/why-financial-inclusion-is-the-key-to-a-thriving-digital-economy\/\">https:\/\/www.weforum.org\/stories\/2024\/07\/why-financial-inclusion-is-the-key-to-a-thriving-digital-economy\/<\/a><\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> <a href=\"https:\/\/www.bcg.com\/publications\/2024\/to-expand-financial-inclusion-embrace-innovation\">https:\/\/www.bcg.com\/publications\/2024\/to-expand-financial-inclusion-embrace-innovation<\/a><\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1<\/a><\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/sdgs.un.org\/goals\">https:\/\/sdgs.un.org\/goals<\/a><\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1<\/a><\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1<\/a><\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf\">https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf<\/a><\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/publication\/globalfindex\">https:\/\/www.worldbank.org\/en\/publication\/globalfindex<\/a><\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.gsma.com\/newsroom\/press-release\/smartphone-owners-are-now-the-global-majority-new-gsma-report-reveals\/\">https:\/\/www.gsma.com\/newsroom\/press-release\/smartphone-owners-are-now-the-global-majority-new-gsma-report-reveals<sup>\/<\/sup><\/a><\/p>\n<p><a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> https:\/\/www.weforum.org\/stories\/2025\/01\/financial-equity-through-technology\/<\/p>\n<p><a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/01\/financial-equity-through-technology\/\">https:\/\/www.weforum.org\/stories\/2025\/01\/financial-equity-through-technology\/<\/a><\/p>\n<p><a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.bankrate.com\/banking\/savings\/emergency-savings-report\/\">https:\/\/www.bankrate.com\/banking\/savings\/emergency-savings-report\/<\/a><\/p>\n<p><a href=\"#_ftnref13\" name=\"_ftn13\">[13]<\/a> <a href=\"https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf\">https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf<\/a><\/p>\n","protected":false},"author":18,"featured_media":124331,"template":"","tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u91d1\u878d\u666e\u60e0 | Abdul Latif Jameel\u00ae<\/title>\n<meta name=\"description\" content=\"\u4e86\u89e3\u65b0\u5174\u79d1\u6280\u5982\u4f55\u62d3\u5bbd\u91d1\u878d\u51c6\u5165\u3001\u652f\u6301\u4e2d\u5c0f\u4f01\u4e1a\u53ca\u5e2e\u52a9\u65e0\u94f6\u884c\u8d26\u6237\u4eba\u53e3\u52a0\u5165\u5168\u7403\u91d1\u878d\u7cfb\u7edf\u3002\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alj.com\/zh-hans\/perspective\/\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u666e\u60e0\u91d1\u878d\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u91d1\u878d\u666e\u60e0 | Abdul Latif Jameel\u00ae\" \/>\n<meta property=\"og:description\" content=\"\u4e86\u89e3\u65b0\u5174\u79d1\u6280\u5982\u4f55\u62d3\u5bbd\u91d1\u878d\u51c6\u5165\u3001\u652f\u6301\u4e2d\u5c0f\u4f01\u4e1a\u53ca\u5e2e\u52a9\u65e0\u94f6\u884c\u8d26\u6237\u4eba\u53e3\u52a0\u5165\u5168\u7403\u91d1\u878d\u7cfb\u7edf\u3002\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alj.com\/zh-hans\/perspective\/\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u666e\u60e0\u91d1\u878d\uff1f\/\" \/>\n<meta property=\"og:site_name\" content=\"Abdul Latif Jameel\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Abdul.Latif.Jameel.Official\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-09T06:51:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Tech-Financial-Inclusion.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2372\" \/>\n\t<meta property=\"og:image:height\" content=\"1263\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4\" \/>\n\t<meta name=\"twitter:data1\" content=\"1\u5206\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/alj.com\/zh-hans\/perspective\/%e7%a7%91%e6%8a%80%e8%83%bd%e5%90%a6%e5%8a%a0%e5%bc%ba%e6%99%ae%e6%83%a0%e9%87%91%e8%9e%8d%ef%bc%9f\/\",\"url\":\"https:\/\/alj.com\/zh-hans\/perspective\/%e7%a7%91%e6%8a%80%e8%83%bd%e5%90%a6%e5%8a%a0%e5%bc%ba%e6%99%ae%e6%83%a0%e9%87%91%e8%9e%8d%ef%bc%9f\/\",\"name\":\"\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u91d1\u878d\u666e\u60e0 | Abdul Latif Jameel\u00ae\",\"isPartOf\":{\"@id\":\"https:\/\/alj.com\/en\/#website\"},\"datePublished\":\"2025-11-05T06:11:14+00:00\",\"dateModified\":\"2026-01-09T06:51:36+00:00\",\"description\":\"\u4e86\u89e3\u65b0\u5174\u79d1\u6280\u5982\u4f55\u62d3\u5bbd\u91d1\u878d\u51c6\u5165\u3001\u652f\u6301\u4e2d\u5c0f\u4f01\u4e1a\u53ca\u5e2e\u52a9\u65e0\u94f6\u884c\u8d26\u6237\u4eba\u53e3\u52a0\u5165\u5168\u7403\u91d1\u878d\u7cfb\u7edf\u3002\",\"breadcrumb\":{\"@id\":\"https:\/\/alj.com\/zh-hans\/perspective\/%e7%a7%91%e6%8a%80%e8%83%bd%e5%90%a6%e5%8a%a0%e5%bc%ba%e6%99%ae%e6%83%a0%e9%87%91%e8%9e%8d%ef%bc%9f\/#breadcrumb\"},\"inLanguage\":\"zh-CN\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/alj.com\/zh-hans\/perspective\/%e7%a7%91%e6%8a%80%e8%83%bd%e5%90%a6%e5%8a%a0%e5%bc%ba%e6%99%ae%e6%83%a0%e9%87%91%e8%9e%8d%ef%bc%9f\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/alj.com\/zh-hans\/perspective\/%e7%a7%91%e6%8a%80%e8%83%bd%e5%90%a6%e5%8a%a0%e5%bc%ba%e6%99%ae%e6%83%a0%e9%87%91%e8%9e%8d%ef%bc%9f\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/alj.com\/zh-hans\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Perspectives\",\"item\":\"https:\/\/alj.com\/ja\/perspective\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u666e\u60e0\u91d1\u878d\uff1f\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/alj.com\/en\/#website\",\"url\":\"https:\/\/alj.com\/en\/\",\"name\":\"Abdul Latif Jameel\",\"description\":\"Abdul Latif Jameel\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/alj.com\/en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"zh-CN\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u91d1\u878d\u666e\u60e0 | Abdul Latif Jameel\u00ae","description":"\u4e86\u89e3\u65b0\u5174\u79d1\u6280\u5982\u4f55\u62d3\u5bbd\u91d1\u878d\u51c6\u5165\u3001\u652f\u6301\u4e2d\u5c0f\u4f01\u4e1a\u53ca\u5e2e\u52a9\u65e0\u94f6\u884c\u8d26\u6237\u4eba\u53e3\u52a0\u5165\u5168\u7403\u91d1\u878d\u7cfb\u7edf\u3002","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/alj.com\/zh-hans\/perspective\/\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u666e\u60e0\u91d1\u878d\uff1f\/","og_locale":"zh_CN","og_type":"article","og_title":"\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u91d1\u878d\u666e\u60e0 | Abdul Latif Jameel\u00ae","og_description":"\u4e86\u89e3\u65b0\u5174\u79d1\u6280\u5982\u4f55\u62d3\u5bbd\u91d1\u878d\u51c6\u5165\u3001\u652f\u6301\u4e2d\u5c0f\u4f01\u4e1a\u53ca\u5e2e\u52a9\u65e0\u94f6\u884c\u8d26\u6237\u4eba\u53e3\u52a0\u5165\u5168\u7403\u91d1\u878d\u7cfb\u7edf\u3002","og_url":"https:\/\/alj.com\/zh-hans\/perspective\/\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u666e\u60e0\u91d1\u878d\uff1f\/","og_site_name":"Abdul Latif Jameel","article_publisher":"https:\/\/www.facebook.com\/Abdul.Latif.Jameel.Official","article_modified_time":"2026-01-09T06:51:36+00:00","og_image":[{"width":2372,"height":1263,"url":"https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Tech-Financial-Inclusion.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4":"1\u5206"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/alj.com\/zh-hans\/perspective\/%e7%a7%91%e6%8a%80%e8%83%bd%e5%90%a6%e5%8a%a0%e5%bc%ba%e6%99%ae%e6%83%a0%e9%87%91%e8%9e%8d%ef%bc%9f\/","url":"https:\/\/alj.com\/zh-hans\/perspective\/%e7%a7%91%e6%8a%80%e8%83%bd%e5%90%a6%e5%8a%a0%e5%bc%ba%e6%99%ae%e6%83%a0%e9%87%91%e8%9e%8d%ef%bc%9f\/","name":"\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u91d1\u878d\u666e\u60e0 | Abdul Latif Jameel\u00ae","isPartOf":{"@id":"https:\/\/alj.com\/en\/#website"},"datePublished":"2025-11-05T06:11:14+00:00","dateModified":"2026-01-09T06:51:36+00:00","description":"\u4e86\u89e3\u65b0\u5174\u79d1\u6280\u5982\u4f55\u62d3\u5bbd\u91d1\u878d\u51c6\u5165\u3001\u652f\u6301\u4e2d\u5c0f\u4f01\u4e1a\u53ca\u5e2e\u52a9\u65e0\u94f6\u884c\u8d26\u6237\u4eba\u53e3\u52a0\u5165\u5168\u7403\u91d1\u878d\u7cfb\u7edf\u3002","breadcrumb":{"@id":"https:\/\/alj.com\/zh-hans\/perspective\/%e7%a7%91%e6%8a%80%e8%83%bd%e5%90%a6%e5%8a%a0%e5%bc%ba%e6%99%ae%e6%83%a0%e9%87%91%e8%9e%8d%ef%bc%9f\/#breadcrumb"},"inLanguage":"zh-CN","potentialAction":[{"@type":"ReadAction","target":["https:\/\/alj.com\/zh-hans\/perspective\/%e7%a7%91%e6%8a%80%e8%83%bd%e5%90%a6%e5%8a%a0%e5%bc%ba%e6%99%ae%e6%83%a0%e9%87%91%e8%9e%8d%ef%bc%9f\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/alj.com\/zh-hans\/perspective\/%e7%a7%91%e6%8a%80%e8%83%bd%e5%90%a6%e5%8a%a0%e5%bc%ba%e6%99%ae%e6%83%a0%e9%87%91%e8%9e%8d%ef%bc%9f\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/alj.com\/zh-hans\/"},{"@type":"ListItem","position":2,"name":"Perspectives","item":"https:\/\/alj.com\/ja\/perspective\/"},{"@type":"ListItem","position":3,"name":"\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u666e\u60e0\u91d1\u878d\uff1f"}]},{"@type":"WebSite","@id":"https:\/\/alj.com\/en\/#website","url":"https:\/\/alj.com\/en\/","name":"Abdul Latif Jameel","description":"Abdul Latif Jameel","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/alj.com\/en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"zh-CN"}]}},"post-meta-fields":{"amazonS3_cache":["a:8:{s:78:\"\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-scaled.jpg\";a:2:{s:2:\"id\";i:124317;s:11:\"source_type\";s:13:\"media-library\";}s:72:\"\/\/alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-scaled.jpg\";a:2:{s:2:\"id\";i:124317;s:11:\"source_type\";s:13:\"media-library\";}s:80:\"\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-scaled.jpg\";a:2:{s:2:\"id\";i:124324;s:11:\"source_type\";s:13:\"media-library\";}s:74:\"\/\/alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-scaled.jpg\";a:2:{s:2:\"id\";i:124324;s:11:\"source_type\";s:13:\"media-library\";}s:60:\"\/\/media.alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web.jpg\";a:2:{s:2:\"id\";i:102302;s:11:\"source_type\";s:13:\"media-library\";}s:54:\"\/\/alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web.jpg\";a:2:{s:2:\"id\";i:102302;s:11:\"source_type\";s:13:\"media-library\";}s:68:\"\/\/media.alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web-232x300.jpg\";a:2:{s:2:\"id\";i:102302;s:11:\"source_type\";s:13:\"media-library\";}s:62:\"\/\/alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web-232x300.jpg\";a:2:{s:2:\"id\";i:102302;s:11:\"source_type\";s:13:\"media-library\";}}"],"content_series_applied":[""],"featured_on_listing_page":["0"],"is_latest_news":["0"],"mobile_featured_image":["https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Tech-Financial-Inclusion.jpg"],"perspective_location":["\u963f\u8054\u914b\u8fea\u62dc"],"perspective_short_title":["\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u666e\u60e0\u91d1\u878d\uff1f"],"perspective_summury":["<p>\u91d1\u878d\u6392\u65a5\u5e76\u4e0d\u5c40\u9650\u4e8e\u4e16\u754c\u4e0a\u6700\u8d2b\u7a77\u7684\u4eba\u7fa4\u3002\u5b83\u5f88\u666e\u904d\uff0c\u4f46\u88ab\u5ffd\u89c6\u4e86\u3002\u5b83\u662f\u4e00\u4e2a\u4f17\u6240\u5468\u77e5\u96be\u4ee5\u9003\u8131\u7684\u9677\u9631\u3002<\/p>\n"],"publish_mobile":[""],"push_notification":["no"],"wpcf-card_article_content":["write your content"],"wpcf-card_article_with_title_content":[""],"wpcf-featured-news":["0"],"wpcf-layoutvideourl":[""],"wpcf-perspective-downloadable_file":[""],"wpcf-perspective-published-date":["1762300800"],"wpcf-quotes-with-auther-text":[""],"wpcf-quotes-with-auther-text-1":[""],"wpcf-show-news-at-homepage":["1"],"wpcf-social-image-square":[""],"wpcf-social-svg-square":[""],"wpcf-social-text-image-square":[""],"wpcf-social-text-square":[""],"wpcf-social-text-svg-square":[""],"wpcf-social-text-text-square":[""],"wpcf-social-text-url-square":[""],"wpcf-social-url-square":[""],"wpcf-social1-background-image":[""],"wpcf-social1-svg":[""],"wpcf-social1-text":[""],"wpcf-social1-url":[""],"wpcf-social2-background-image":[""],"wpcf-social2-svg":[""],"wpcf-social2-text":[""],"wpcf-social2-url":[""],"wpcf-social3-background-image":[""],"wpcf-social3-svg":[""],"wpcf-social3-text":[""],"wpcf-social3-url":[""],"wpcf-social4-background-image":[""],"wpcf-social4-svg":[""],"wpcf-social4-text":[""],"wpcf-social4-url":[""],"wpcf-video-description":[""],"wpcf-video-thumb":[""],"_":["field_6746fdff672ad"],"_bsf_item_review_type":["none"],"_bsf_post_type":["0"],"_content_series_applied":["field_60f3d3faf82ac"],"_featured_on_listing_page":["field_62458ea7383c3"],"_mobile_featured_image":["field_5c3b204983dea"],"_publish_mobile":["field_5bfa8eb2e65cf"],"_push_notification":["field_5c3b1fb67034d"],"_wpml_media_duplicate":["1"],"_wpml_media_featured":["1"],"_wpml_word_count":["{\"total\":2652,\"to_translate\":{\"ar\":2652,\"zh-hans\":2652,\"fr\":2652,\"ja\":2652,\"es\":2652,\"tr\":2652}}"],"_yoast_wpseo_content_score":["90"],"_yoast_wpseo_estimated-reading-time-minutes":[""],"_yoast_wpseo_metadesc":["\u4e86\u89e3\u65b0\u5174\u79d1\u6280\u5982\u4f55\u62d3\u5bbd\u91d1\u878d\u51c6\u5165\u3001\u652f\u6301\u4e2d\u5c0f\u4f01\u4e1a\u53ca\u5e2e\u52a9\u65e0\u94f6\u884c\u8d26\u6237\u4eba\u53e3\u52a0\u5165\u5168\u7403\u91d1\u878d\u7cfb\u7edf\u3002"],"_yoast_wpseo_title":["\u79d1\u6280\u80fd\u5426\u52a0\u5f3a\u91d1\u878d\u666e\u60e0 | Abdul Latif Jameel\u00ae"],"_yoast_wpseo_wordproof_timestamp":[""],"_thumbnail_id":["124331"],"_edit_lock":["1767941374:25"],"_edit_last":["25"],"_last_translation_edit_mode":["native-editor"],"wpcf-projecttitle":[""],"wpcf-projectdescription":[""],"wpcf-projectimage-video1":["image"],"wpcf-projectimage-1":[""],"wpcf-projectvideo-1":[""],"wpcf-projectdescription-1":[""],"wpcf-projectimage-video2":["image"],"wpcf-projectimage-2":[""],"wpcf-projectvideo-2":[""],"wpcf-projectdescription-2":[""],"wpcf-projectimage-video3":["image"],"wpcf-projectimage-3":[""],"wpcf-projectvideo-3":[""],"wpcf-projectdescription-3":[""],"wpcf-projectimage-video4":["image"],"wpcf-projectimage-4":[""],"wpcf-projectvideo-4":[""],"wpcf-projectdescription-4":[""],"_wp_old_date":["2025-11-04"],"perspective_business_sector":["\u91d1\u878d\u670d\u52a1"],"wpcf-card-image":[""],"_wpcf-card-image-sort-order":["a:1:{i:0;i:2051824;}"]},"_links":{"self":[{"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/perspective\/124454"}],"collection":[{"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/perspective"}],"about":[{"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/types\/perspective"}],"author":[{"embeddable":true,"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/users\/18"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/media\/124331"}],"wp:attachment":[{"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=124454"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/tags?post=124454"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}