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 European Institute ofBusiness Administration (INSEAD)   -   TheNetworked Readiness Index (NRI),        .     .1.1.



 1.1.    NRI[2 - * INSEAD. World Economic Forum. TheGlobalInformation Technology Report 20102011. URL: http://www.weforum.org/issues/global-information-technology (http://www.weforum.org/issues/global-information-technology)]






    77? 堖   ,       (,  ,   36, 48 56 ),  ,    ,  ࠖ 42,  52,  67,  70,    , ,  , 90?.    ,   34,  49, ࠖ 62,  65,  68,  69.     ,      .

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.1.1.   [5 - AlkireS., Santos.. Acute Multidimensional Poverty: ANewIndex for Developing Countries Human Development Research Paper 2010/11. URL: http://hdr.undp.org/en/reports/global/hdr2010/papers/HDRP_2010_ll.pdf (http://hdr.undp.org/en/reports/global/hdr2010/papers/HDRP_2010_ll.pdf)]



      ,  , ..   ,       .        ,   ,      ,   ,    ,  ()          .             ,      ,  .   ,  4 2010.,   104    5,2 (92%   )[6 - .].



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                .        ,   .

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 Center for Financial Inclusion    financial exclusion  financial Inclusion ( )    [21 - http://www.centerforfinancialinclusion.org/Page.aspx?pid=1941 (http://www.centerforfinancialinclusion.org/Page.aspx?pid=1941)]:      ,   ,     ,  ,       ,   ,  .

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      .    2004.   (   ࠖ Khan Commission),      .       2005/2006  .                  no-frills[24 -  no-frills     ,     -. ,        ,   (  -  ).] .

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           ,       .      .  , ,  60%    ,  90%  .             [28 - .      . 2008.].   2010.                 [29 - RBI asks banks to open resource centres for financial inclusion. BS Reporter/Bangalore December 7, 2010. URL: http://www.business-standard.com/india/news/rbi-asks-banks-to-open-resource-centres-for-financial-inclusion/417338/ (http://www.business-standard.com/india/news/rbi-asks-banks-to-open-resource-centres-for-financial-inclusion/417338/)].          .           2. ꠖ  2012.,   -       .

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 2

      





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       堖  , ,   ,   ,        [41 - ABI Position paper onthe Basel Committee onBanking Supervision's consultative document Microiinance activities andthe Core Principles for Effective Banking Supervision, April 2010.].

         ,     ,       ,    ,   .          .




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notes








1


.:  .., .       //   . 2011. 3;  ..      //   . 2011. 4; .   :   // MHKpofinance+. ., 2011. 3.




2


* INSEAD. World Economic Forum. TheGlobalInformation Technology Report 20102011. URL: http://www.weforum.org/issues/global-information-technology (http://www.weforum.org/issues/global-information-technology)




3


      (20112020),     20 2010.1815?.




4


     48    . .: US Census Bureau. URL: http://www.census.gov/hhes/www/poverty/about/overview/measure.html (http://www.census.gov/hhes/www/poverty/about/overview/measure.html)




5


AlkireS., Santos.. Acute Multidimensional Poverty: ANewIndex for Developing Countries Human Development Research Paper 2010/11. URL: http://hdr.undp.org/en/reports/global/hdr2010/papers/HDRP_2010_ll.pdf (http://hdr.undp.org/en/reports/global/hdr2010/papers/HDRP_2010_ll.pdf)




6


.




7


  , 2010.   :   . URL: http://hdr.undp.org/en/media/FAQ_MPI_RU.pdf (http://hdr.undp.org/en/media/FAQ_MPI_RU.pdf)




8


* http://hdr.undp.org/en/media/HDR_2010_EN_Table5_reprint.pdf (http://hdr.undp.org/en/media/HDR_2010_EN_Table5_reprint.pdf)




9


CentralIntelligence Agency. TheWorld Factbook 2010. GDP per capita (PPP). Accessed onJan 16, 2011.




10


    2009.




11


, 2010.      49,7%.




12


   ,      ,       .




13


The GlobalInformation Technology Report 20102011. URL: http://www.weforum.org/issues/global-information-technology (http://www.weforum.org/issues/global-information-technology)




14


 .




15


 




16


Havala ( ); Hundi (); Feichien (); Padala (); Phoe kuan (), Black market exchange ( , ); Door-to-door ( , , ).




17


Promoting financial inclusion,  Treasury, 2004; Family Resources Survey 2007/08.




18


        2005.       .      2011. .: Ability ofindividuals to access appropriate financial products andservices. Treasury Committee, House ofCommons, 2005; MittonL. Financial inclusion inthe UK. Review ofpolicy andpractice. 2008 // Joseph Rowntree Foundation. URL: http://www.jrf.org.uk (http://www.jrf.org.uk/)




19


http://www.cgap.Org/p/site/c/template.re/ (http://www.cgap.org/p/site/c/template.re/)




20


Havala ( ); Hundi (); Fei-ch'ien (); Padala (); Phoe kuan (), Black market exchange ( , ); Door-to-door ( , , ).




21


http://www.centerforfinancialinclusion.org/Page.aspx?pid=1941 (http://www.centerforfinancialinclusion.org/Page.aspx?pid=1941)




22


      ,       ,    (,  , ,    )    , , ,        ,    .




23


Ability ofindividuals to access appropriate financial products andservices. Treasury Committee, House ofCommons, 2005; MittonL. Financial inclusion inthe UK. Review ofpolicy andpractice. 2008 // Joseph Rowntree Foundation. URL: http://www.jrf.org.uk (http://www.jrf.org.uk/)




24


 no-frills     ,     -. ,        ,   (  -  ).




25


http://www.lvbank.com/nofrffls.aspx (http://www.lvbank.com/nofrffls.aspx)




26


http://www.barclays.in/consumer_banking/no_frffls_ac.htm (http://www.barclays.in/consumer_banking/no_frffls_ac.htm)




27


http://www.icicibank.com/Personal-BarLking/account-deposit/No-Frills-Account/index.html (http://www.icicibank.com/Personal-BarLking/account-deposit/No-Frills-Account/index.html)




28


.      . 2008.




29


RBI asks banks to open resource centres for financial inclusion. BS Reporter/Bangalore December 7, 2010. URL: http://www.business-standard.com/india/news/rbi-asks-banks-to-open-resource-centres-for-financial-inclusion/417338/ (http://www.business-standard.com/india/news/rbi-asks-banks-to-open-resource-centres-for-financial-inclusion/417338/)




30


   ACCION   1961.     1973.    62   31  .     1991.  U.S.ACCION Network    277 .  24. .  46      5,1.  .  U.S.ACCION Network      .  .: http://www.centerfornnancialinclusion.org/Page.aspx?pid=1281 (http://www.centerfornnancialinclusion.org/Page.aspx?pid=1281)




31


http://www.centerforfinancialinclusion.org/Page.aspx?pid=1281 (http://www.centerforfinancialinclusion.org/Page.aspx?pid=1281)




32


URL: http://www.mixmarket.org/ (http://www.mixmarket.org/)




33


:  ,  .      . URL: http://www.ippnou.ru/article.php?idarticle=004713 (http://www.ippnou.ru/article.php?idarticle=004713)




34


Financial Services Provision andPrevention ofFinancial Exclusion. 2008. URL: http://ec.europa.eu/social (http://ec.europa.eu/social)




35


.:        ..  Π          2030.




36


         . Profi Online Reserch. URL: http://www.banki.ru/ (http://www.banki.ru/)




37


Microfinance activities andthe Core Principles for Effective Banking Supervision August 2010.




38


Charting thecourse: best practice andtools for voluntary debt restructurings inmicroiinance // Joint report byIAMFI andMorgan Stanley. 2011.




39


CGAP andsymbiotics. CGAP 2010  Survey report. Washington: CGAP, 2010. URL: www.cgap.org (http://www.cgap.org/)




40


Microfinance information exchange Inc. // Microfinance ata glance. Washington: MIX, November 2010.




41


ABI Position paper onthe Basel Committee onBanking Supervision's consultative document Microiinance activities andthe Core Principles for Effective Banking Supervision, April 2010.


