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| <![CDATA[<div id="ctl00_PlaceHolderMain_ctl00__ControlWrapper_RichHtmlField" class="ms-rtestate-field" style="display:inline" aria-labelledby="ctl00_PlaceHolderMain_ctl00_label"><div><h1>Apresentação</h1></div><div> </div><p>Ao envidar esforços para promover a inclusão financeira no Brasil, o Banco Central do Brasil (BCB) está ciente da grande responsabilidade e dos desafios inerentes ao processo. Um sistema financeiro inclusivo se coloca como pilar para a eficiência do sistema financeiro e, em consequência, para o desenvolvimento econômico e social do país.<br><br>O BCB, ao liderar essa rede de colaboração, fundamental para a melhor articulação dos atores, procura catalisar resultados, fazendo com que os benefícios sejam imediatos e efetivos para o cidadão. Porém, sabemos que isso não é simples, muito menos, rápido. <br><br></p><div><p>Este relatório busca sintetizar os principais esforços realizados pelos atores envolvidos no Plano de Ação para Fortalecimento do Ambiente Institucional entre 2012 e 2014. O trabalho, porém, começou muito antes. <br><br>No I Fórum Banco Central sobre Inclusão Financeira, em Salvador, em 2009, buscou-se diagnosticar os pontos fortes e as fragilidades do setor de microfinanças. Verificou-se a necessidade de organizar dados e informações sobre o assunto e de melhor articular os esforços em prol da inclusão financeira. Dessa forma, foram publicadas duas edições do Relatório de Inclusão Financeira (RIF): a primeira, em 2010, no II Fórum, e a segunda, em 2011, no III Fórum, ambos em Brasília. O II RIF inovou por apresentar estudo da evolução da inclusão durante uma década (2000 a 2010), por meio da construção do Índice de Inclusão Financeira (IIF). Esses três fóruns foram marcados por amplo debate, com a definição dos problemas a serem equacionados. <br><br>No III Fórum, também foi lançada a Parceria Nacional para Inclusão Financeira (PNIF), no esteio dos Princípios para Inclusão Financeira Inovadora do G-20 e da Parceria Global para Inclusão Financeira. Para dar concretude à PNIF, em maio de 2012, foi apresentado o Plano de Ação para Fortalecimento do Ambiente Institucional, integrado por oito ações a serem realizadas até 2014, com prestação de contas durante os fóruns subsequentes.<br><br>Os primeiros resultados do plano de ação foram mostrados nos IV e V Fóruns Banco Central sobre Inclusão Financeira, realizados em 2012 e 2013, em Porto Alegre e em Fortaleza, respectivamente. Em 2014, no VI Fórum, em Santa Catarina, o ciclo se completou. <br><br>Muito se conquistou nas ações de aperfeiçoamento normativo, de educação financeira e transparência e de diagnóstico da inclusão financeira, o que não significa o fim do caminho. Agora, com questões do ambiente institucional já encaminhadas, além de nos mantermos atentos a elas, é preciso ainda avançar. <br><br>Esperamos que este relatório sirva de subsídio para a preparação de uma nova fase da Parceria Nacional para Inclusão Financeira, que deve envolver, necessariamente, de forma mais ampla, a iniciativa privada.<br><br>Agradecemos aos parceiros que nos brindaram com sua contribuição a este relatório e esperamos continuar atuando em colaboração e cooperação rumo à adequada inclusão financeira do brasileiro, fundamental para sua cidadania financeira.<br></p><p style="text-align:right;"><strong>Alexandre Antonio Tombini</strong><br><span style="line-height:1.6;font-size:12px;">Presidente do Ban</span><span style="line-height:1.6;font-size:12px;">co Central do Brasil</span></p><br></div></div>]]>
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| <![CDATA[<p style="text-align:right;"><strong>Alexandre Antonio Tombini</strong><br><span style="line-height:1.6;font-size:12px;">Presidente do Ban</span><span style="line-height:1.6;font-size:12px;">co Central do Brasil</span></p>]]>
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| <![CDATA[<span style="line-height:1.6;font-size:12px;">Presidente do Ban</span>]]>
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| <![CDATA[<span style="line-height:1.6;font-size:12px;">co Central do Brasil</span>]]>
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