The major obstacles of the community’s lower economic level in accessing credits for productive purposes are not only the lack of eligible credit collateral availability but also the high levels of lending rate for the micro segment. As such, I view that the fruits of national banking efficiency improvements should be felt by those in the lower economic level.
Having said that, we will promote healthy competition in the micro segment through, among others, the publication of Micro Credit Lending Rates. 10  BIS central bankers’ speeches  Distinguished ladies and gentlemen, 105. Aside supporting the development of inclusive finance, the policy direction for the payment system of the future will focus on several very specific dimensions. 106.