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RBI-OECD Workshop on Delivering Financial Literacy: Challenges, Approaches and Instruments

 

22-23 March 2010, Bangalore, India

Documentation | Speaker Presentations | In the NewsSee also

 

Building on the OECD's internationally recognised standards in the area of financial education, participants in this event shared best practices and experiences in the fields of financial education and literacy. As a result, they were better equipped to address their national and regional challenges in these policy areas.
 

This conference discussed topical and critical issues in countries from the ASEAN and SAARC and India including:

  • Design and implementation of national financial education strategies and programmes
  • Role of financial institutions in the promotion of financial education 
  • Importance of and methods to assess gaps in financial literacy and inclusion
  • Efficiently outreaching targeted and underserved groups: financial inclusion and financial education
  • Building future financially capable individuals : financial education in schools


The conference was opened by the Union Finance Minister of India, Mr. Pranab Mukherjee. Keynote addresses were given by RBI Governor Dr. D. Subbarao and OECD Deputy Secretary-General Ambassador Richard Boucher.  Other prominent speakers included representatives of central banks, public authorities, private and civil experts and researchers in the area of financial education.
 
Participants included high-level officials from the central banks of ASEAN and SAARC countries, Indian state government officials, banks, micro finance institutions and non-government organisations.
 
The workshop was co-hosted by the Reserve Bank of India (RBI) and the OECD and was sponsored by the Government of Japan.

 

 Documentation

 

 Speaker presentations

 

Day 1 Monday 22 March 2010

 

Inaugural/Opening

• Welcome address by Dr. K C Charkrabarty, Deputy Governor, Reserve Bank of India
• Address by Ambassador Richard A. Boucher, OECD Deputy Secretary General
and background material
• Opening Remarks by Dr. D Subbarao, Governor, Reserve Bank of India
• Keynote Address by Mr. Pranab Mukherjee, Hon’ble Finance Minister, India
• Release of RBI book on Financial Planning by First-time Earners authored by Smt. Swapna Mirashi by Mr. Pranab Mukherjee, Hon’ble Finance Minister, India
• Vote of Thanks by Mr. V.K. Sharma, Executive Director, Reserve Bank of India

 

Business Session I: Financial Literacy as a means to Financial Inclusion

CHAIRPERSON: Dr. K C Chakrabarty, Deputy Governor, Reserve Bank of India
Panelists:
• Mr. B. Samba Murthy, Director, Institute for Development and Research in Banking Technology (IDRBT), India
• Ms. Olivia Davids, Head of Department, Consumer Education, Financial Service Board, South Africa

This session focused on:
The importance of developing financial inclusion programmes combined with financial literacy endeavors;
OECD framework for financial literacy;
Financial literacy and awareness – importance of developing instruments for effective and credible financial inclusion including the use of social networking sites;
Challenges and solutions.

 

Business Session II: Role of Institutions in Delivering Financial Literacy

CHAIRPERSON: Dr. Hans-Helmut Kotz, Member of the Executive Board of the Deutsche Bundesbank and Chair of the OECD Committee on Financial Markets

Panelists:
• Ms. Flore-Anne Messy, Principal Administrator, Financial Education, OECD
• Mr. Adinan Maning, CEO, Bank Simpanan Nasional, Malaysia and President, Asia-Pacific Region for the World Savings Banks Institute
• Mr. Gary Millner, Director of Operations of the UK Personal Finance Education Group
• Mr. Alok Prasad, Citibank and Ms. Sumitra Ashtikar, Co-ordinator, Meljol

This session focused on:

Role of institutions and self regulatory bodies in the financial literacy process;

How to manage possible conflicts of interest;

Development of codes of conduct and quality label;

Responsible selling practices;

Support to financial literacy programmes including school programmes;

Other public-private partnerships.

 

Business Session III:  Capacity Building in Financial Literacy

CHAIRPERSON: Ms. Flore-Anne Messy, Principal Administrator, OECD
Panelists:
• Mr. V.S. Das, Executive Director, Reserve Bank of India
• Mr. Jakub Skiba, Member of the Board, National Bank of Poland
• Mr. José Alexandre Cavalcanti Vasco, Head, Education and Investor Assistance Department, CVM, Brazil
This session focused on:
Level of literacy of the young population;
Importance of teaching children about personal finance at early age;
Main challenges to the integration of financial education in school programmes;
Solutions, international best practices, OECD Guidelines;
Training of teachers, development of materials and adequate pedagogic tools;
Evaluation of programmes.

 

Day 2 Tuesday 23 March 2010

 

Business Session IV: Financial Literacy Strategies: Indian, South and South East Experience 

CHAIRPERSON:  Mrs. Shyamala Gopinath, Deputy Governor, Reserve Bank of India
Panelists:
• Ms. Koid Swee Lian, Director of Consumer and Market Conduct Department, Bank Negara, Malaysia
• Ms. Belinda G. Caraan, Acting Deputy Director and Head, Financial Consumer Affairs Group, Bangko Sentral Ng Pilipinas
• Ms. Christina Tan, Deputy Director, MoneySENSE Secretariat, Monetary Authority of Singapore (MAS)
• Mr. P.K. Tiwari, Executive Director, Pension Fund Regulatory and Development Authority (PFRDA)
This session focused on:
Development of Financial Literacy initiatives and strategies in India and South East Asia;
Importance of Financial Literacy in the region: main issues, challenges and solutions;
OECD principles and Good Practices;
Evaluation of programmes.

 

Business Session V: Assessing Needs and Gaps: Development of Baseline Surveys on Financial Literacy and Inclusion

CHAIRPERSON: Mr. André Laboul, Head, OECD Financial Affairs Division and Chair, International Network on Financial Education (INFE)
Panelists:

• Ms. Diana Crossan, Retirement Commission, New Zealand
• Mr. Shaun Mundy, Former head of Financial Capability at the UK FSA and OECD Consultant
This session focused on:
Importance of assessing the needs and gaps in respect of financial literacy and inclusion;
Main challenges in the development of a related methodology and its implementation;
Identified solutions and OECD/INFE good practices;
Results and their follow up.

 

Closing Remarks

• Mr. André Laboul, Head OECD Financial Affairs Division and Chair of the OECD/INFE
• Dr. Hans-Helmut Kotz, Member of Executive Board Deutsche Bundesbank and Chair of the OECD Committee on Financial Markets
• Mrs. Usha Thorat, Deputy Governor, Reserve Bank of India
• Mr. V K Sharma, Executive Director, Reserve Bank of India

 

 In the news

  • Financial education must in age of complex products, The Economic Times, 22 March 2010
    Finance Minister Pranab Mukherjee on Monday said financial understanding has assumed greater importance in the wake of the global crisis. "Today financial competence has become more essential as financial markets offer more complex choices," Mukherjee said at a workshop on financial literacy. The workshop was jointly organised by the Reserve Bank of India (RBI) and the OECD. 
     
  • Pranab Mukherjee to inaugurate Reserve Bank/OECD Seminar in Bangalore, Sify Business, 22 March 2010
    RBI Governor D Subbarao, Finance Secretary Ashok Chawla and OECD Deputy Secretary General Ambassador Richard A Boucher will also be present on the occasion. Pranab Mukherjee is expected to release a RBI book titled 'Financial Planning by First Time Earners' on this occasion. 
     
  • Financial literacy key to financial inclusion: Mukherjee, The Hindu, 22 March 2010
    Financial literacy is a prerequisite for effective financial inclusion, which will ensure that financial services "reach the unreached and under-reached sections of the society," Union Finance Minister Pranab Mukherjee said here on Monday.
    Delivering the inaugural address at an international workshop on 'Delivering financial literacy: challenges, strategies and instruments,' organised jointly by the Reserve Bank of India and the Organisation for Economic Cooperation and Development (OECD), Mr. Mukherjee observed that the "outcome from the elaborate system of priority sector lending in India has been mixed."

 See also

 

 

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