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National FDIC Survey Shows 38 Percent Decrease in Unbanked Rate for Working-Age Adults With Disabilities

National FDIC Survey Shows 38 Percent Decrease in Unbanked Rate for Working-Age Adults With Disabilities

国家联邦存款保险公司调查显示,拥有残疾的工作年龄成年人无银行账户比例下降38%。
PR Newswire ·  11/14 19:30

WASHINGTON, Nov. 14, 2024 /PRNewswire/ -- National Disability Institute (NDI) celebrates the release of new data from the FDIC National Survey of Unbanked and Underbanked Households, revealing a 38 percent decrease in the unbanked rate for working-age adults with disabilities from 2017 to 2023. This substantial reduction marks a critical step toward financial inclusion and economic empowerment for individuals with disabilities.

华盛顿,2024年11月14日 /美通社/ -- 全国残疾研究所(NDI)庆祝联邦存款保险公司(FDIC)关于无银行和缺乏银行家庭的国家调查发布新数据,显示工作年龄残障人士的无银行比例从2017年到2023年下降了38%。这一重大减少标志着向金融包容和经济赋权迈出了重要一步,旨在帮助残障人士。

NDI Executive Director, Thomas Foley, JD, emphasized the importance of these findings, stating, "The reduction in the unbanked rate is a significant step toward financial inclusion, opening doors to mortgages, credit and greater economic mobility. This progress highlights that individuals with disabilities are participating in the financial mainstream and are eager to build brighter financial futures for themselves and their families. It's good for people with disabilities, it's good for banks and it's good for the American economy."

NDI执行主任托马斯·福莱,法学博士,强调了这些发现的重要性,他表示:“无银行比例的降低是向金融包容迈出的重要一步,为抵押贷款、信用和更大的经济流动性打开了大门。这一进展突显出残障人士正在参与金融主流,并热衷于为自己和家人构建更光明的金融未来。这对残障人士、对银行以及对美国经济都是有益的。”

While the national unbanked rate across all demographics has nearly halved from 8.2 percent in 2011 to 4.2 percent in 2023 – equating to more than five million banked households – the gap remains notably wider for people with disabilities. In 2023, the unbanked rate for working-age households with disabilities stood at 11.2 percent, nearly three times that of households without disabilities. Nonetheless, the unbanked rate for this group has declined significantly, decreasing by 38 percent between 2017 and 2023, including a 24 percent drop from 2021 to 2023 alone.

尽管在所有人群中,全国无银行比例从2011年的8.2%几乎减半至2023年的4.2%——相当于超过500万户银行账户家庭——但对于残障人士的差距仍然明显更大。在2023年,工作年龄有残疾家庭的无银行比例为11.2%,几乎是无残疾家庭的三倍。尽管如此,该群体的无银行比例已经显著下降,从2017年到2023年下降了38%,并且在2021到2023年之间单独下降了24%。

Key Findings:

主要结果:

  • Unbanked Households: Working-age households with disabilities continue to face higher unbanked rates, comprising 21.5 percent of all unbanked households in 2023, down from 26.9 percent in 2021.
  • Long-Term Decline: Between 2009 and 2023, the unbanked rate for working-age people with disabilities fell from 18.3 percent to 11.2 percent – a 38.8 percent reduction.
  • Remaining Barriers: Households with disabilities are still three times as likely to be unbanked and two-fifths more likely to be underbanked. They are also one-fifth less likely to use mobile banking as their primary banking method and more than twice as likely to lack mainstream credit access.
  • 无银行家庭:工作年龄有残疾家庭的无银行比例持续较高,在2023年占所有无银行家庭的21.5%,较2021年的26.9%下降。
  • 长期下降:在2009年至2023年间,工作年龄有残疾人士的无银行比例从18.3%下降到11.2%——减少了38.8%。
  • 剩余障碍:有残疾家庭的无银行可能性仍然是其他家庭的三倍,缺乏银行服务的可能性则高出两成。他们使用移动银行作为主要银行方式的可能性降低了五分之一,缺乏主流信用的可能性则超过两倍。

Foley noted, "These findings shine a light on the financial progress we're making, but they also underscore the work that remains to ensure access for all. As we continue to bridge these gaps, we'll empower millions of individuals with disabilities to achieve financial stability, build wealth and participate fully in the economy."

福莱指出:“这些发现凸显了我们所取得的金融进展,但也强调了确保所有人都能获得服务的工作。随着我们继续弥合这些差距,我们将使数百万残疾人能够实现财务稳定、积累财富并充分参与经济活动。”

As NDI and its partners strive to advance economic inclusion, these results provide a roadmap to further support financial independence for people with disabilities. Through ongoing collaboration with financial institutions and policymakers, NDI is dedicated to creating a future where every person can participate fully in the U.S. economy.

随着NDI及其合作伙伴努力推动经济包容,这些结果为进一步支持残疾人的财务独立提供了路线图。通过与金融机构和政策制定者的持续合作,NDI致力于创造一个每个人都能充分参与美国经济的未来。

About National Disability Institute
National Disability Institute (NDI) is a national nonprofit organization dedicated to building a better financial future for people with disabilities and their families. The first national organization committed exclusively to championing economic empowerment, financial education, asset development and financial stability for all persons with disabilities, NDI affects change through public education, policy development, training, technical assistance and innovative initiatives. To learn more, visit . Follow NDI on Facebook, Instagram, Threads and LinkedIn.

关于国家残疾机构
国家残疾机构(NDI)是一个全国性的非营利组织,致力于为残疾人及其家庭建设更美好的金融未来。作为第一个专门致力于倡导经济赋权、金融教育、资产开发和残疾人财务稳定的国家组织,NDI通过公众教育、政策发展、培训、技术援助和创新计划来推动变化。要了解更多信息,请访问 请在Facebook、Instagram、Threads和LinkedIn上关注NDI。

Contact:
Kathleen Brannigan
19176474430
[email protected]

联系人:
凯瑟琳·布兰尼根
19176474430
[email protected]

SOURCE National Disability Institute

来源 国家残疾研究所

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