Promoting Financial Literacy and Public Awareness in Japan
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1 Promoting Financial Literacy and Public Awareness in Japan June 20, 2013 IADI EXCO International Conference Financial Inclusion: Challenges and Issues for the Deposit Insurer Hiroyuki Obata Deputy Governor Deposit Insurance Corporation of Japan
2 1. Introduction: Financial Inclusion in a Japanese Context 2. Promoting Financial Literacy 3. Promoting Public Awareness on Deposit Insurance: DICJ s Efforts 4. Conclusions Outline 2
3 1. Introduction Financial Inclusion in a Japanese Context 3
4 Broad access to financial services in Japan Easy access to deposits at bank branches, ATMs, convenience stores, or on the Internet. Opening a bank account at teller window or by post Generally, No charge for opening and holding a deposit account No need to maintain a minimum deposit balance 4
5 Broad access to financial services in Japan 96% of all adults in Japan have a bank account at a formal financial institution because (Source: The World Bank, Measuring Financial Inclusion, April 2012) Very high level of saving consciousness Bank settlement is the common way to pay. Financial institutions conduct active campaigns on: Opening new bank accounts (citing safety, convenience, and relative profitability of bank deposits). Internet banking, mobile banking 5
6 Financial Inclusion in a Japanese Context In sum, financial inclusion issues are not so relevant in Japan, given the broad access to various financial services. On the other hand, the broad and easy access to financial services could make it easier for unsophisticated consumers to purchase unsuitable products or to be caught up in financial scams. This makes promoting financial literacy more important. 6
7 2. Promoting Financial Literacy 7
8 Why is it important to promote financial literacy? Aging population Increasing high-risk financial products Shift from blanket guarantee to limited deposit protection since 2002 (Up to 10 million) Every consumer must know and manage the risks of the financial products he/she owns. Who is engaged in promoting financial literacy? Safety-net Players & Industry Organizations FSA BOJ DICJ JBA 8
9 Activities for promoting financial literacy: FSA, JBA Financial Services Agency (FSA) Japanese Bankers Association (JBA) Alerts for consumer/ investor protection Lectures Distribution of brochures for adults and students, textbooks for children Providing interactive games on website Tie-ins with other governmental authorities, other relevant organizations, NPOs 9
10 Activities for promoting financial literacy: BOJ The Central Council for Financial Services Information (secretariat is located within the Bank of Japan) 1950s Lectures to promote savings for capital accumulation s Regular TV programs for children Internet portal site of the Central Council (1999) Guide to Consumer Education for Financial Literacy (2002) Three main objectives since FY1983 1) To provide financial and economic information 2) To encourage the drafting of life plans 3) To disseminate financial education 10
11 Activities for promoting financial literacy: DICJ Tie-in PR activities with the government and other relevant organizations Reciprocal website links with other relevant organizations Lectures: about 20 lectures per year Who? Governor, deputy governors, and staff level, including directors for public relations and information management Where? Universities, private companies, governmental institutions, etc. Financial literacy is one of the most fundamental issues for promoting public awareness on deposit insurance. Public awareness activities would not be effective without fostering financial literacy. 11
12 3. Promoting Public Awareness on Deposit Insurance: DICJ s Efforts 12
13 Why do we need to promote public awareness? As a safety-net player Core Principle 12 on public awareness states: In order for the deposit insurance system to be effective, it is essential that the public be informed on an ongoing basis about the benefits and limitations of the deposit insurance system. 13
14 Public Awareness Tools by DICJ: Website Basic information on DIS Insured FIs Quiz 14
15 Public Awareness Tools by DICJ: Smartphonefriendly website, SNS Twitter Facebook 15
16 Brochures Cartoons Posters Brochures, Cartoons, Posters The number of copies has been steadily increasing since 2006, in response to growing demands. The number of copies for 2013: Deposit Insurance Guidebook : 925,000 copies DIS in Cartoons : 680,000 copies Other PR Activities Lectures at universities, etc. 16
17 Questions in Survey on Japan s Deposit Insurance System (FY2011) Q1: Are you familiar with the deposit insurance system? If yes, do you know what it consists of? Q2: (for those who answered yes in Q1) How did you find out about the deposit insurance system? Q3: (for those who answered yes in Q1)Which topics do you know about? The type of deposits that are fully protected Coverage Depositor s name-based aggregation Insured financial institutions Non-insured financial institutions Non-eligible deposits Non-insured deposits Q4:How much do you have in deposits? (Over the maximum coverage limit of 10 million yen or not) Q5: Do you know the rate of the first reimbursement for the failed institution (Incubator Bank of Japan)? Q6: Did the the resolution of the failed institution (Incubator Bank of Japan) have any impact on your asset management? Q7: Are you familiar with the Deposit Insurance Corporation of Japan? If yes, how much do you know? Q8: (for those who answered yes in Q7) How did you find out about it? Q9: Have you seen the DICJ s website? Q10: Do you think that the DICJ should enhance its PR activities? Q11: (for those who answered yes in Q10) How can the DICJ enhance its PR activities? 17
18 Summary of Survey Results: Public Awareness of Deposit Insurance System FY Public Awareness of Deposit Insurance System (Q1) Public Awareness of Deposit Insurance System FY2007 FY2008 FY2009 FY2010 Depositors who have over 10 million Yen deposits FY2011 Depositors who have over 10 million Yen deposits I know its contents I know it I have only heard of it I know nothing about it Channel of Awareness (Question for those who indicated familiarity in the FY2011 survey) (Q2) How did you know Deposit Insurance System? Average Gender Age Amount of Deposits Over 10 Male Female 20s 30s 40s 50s 60s~ million Yen Other Explanation of Financial Institutions Flyers and Posters of Financial Institutions Newspapers, Magazines TV, Radio Websites (except DICJ HP) Family Members, Friends
19 Summary of Survey Results: Public Awareness of the DICJ FY Public Awareness of the DICJ (Q7) Depositors Public Awareness of the DICJ FY2007 FY2008 FY2009 FY2010 who have over FY2011 \10 million deposits Depositors who have over \10 million deposits I know it very well I know it I have heard of the name I know nothing about it Channel of Awareness (Question for those who indicated familiarity in the FY2011 survey) (Q8) How did you know Deposit Insurance System? Average Gender Male Female 20s 30s 40s 50s 60s~ Explanation of Financial Institutions Flyers and Posters of Financial Institutions Age Amount of Deposits Over 10 million Yen Other Newspapers, Magazines TV, Radio Websites (except DICJ HP) Lectures, Seminars, Events Family Members, Friends
20 Summary of Survey Results: PR Activities of the DICJ FY PR Activities of the DICJ (Q10) Question Answer FY Average What do you think about PR activities of the DICJ? Further enhancement Maintenance of the status quo Further reduction Gender 4. How can the DICJ enhance its PR activities? (Q11) Male Female 20s 30s 40s 50s 60s~ Over \10 million Other FY FY FY FY FY FY Age Amount of Deposit Specific enhancement measures Average Gender Age Amount of Deposit Male Female 20s 30s 40s 50s 60s~ Over \10 million Other Distribute more flyers and brochures Make the brochures more easily understood Newspapers, TV, Websites Make the DICJ HP more easily understood Increase lectures and seminars Other
21 Why and how does the DICJ maintain the high level of awareness of DIS/DICJ? 1) Continuous PR activities in peace time 2) Proactive PR initiatives or campaigns in the period of transition from full coverage to limited coverage 3) Massive media coverage during the banking crisis (in late 1990s to early 2000s) and on the first resolution case under the limited coverage (in 2010) Good communication with media Well-timed press conferences The best strategy to ensure a correct understanding of DIS No bank run 21
22 Number of inquiries to the DICJ (April 2000 to March 2012) 8,000 7,000 sep/10 6,963 The failure of the Incubator Bank of Japan, Limited 6,000 5,000 4,000 mar/02 4,288 Starting the transition to limited coverage from full coverage Full implementation of limited coverage 3,000 2,000 1,000 apr/02 1,662 mar/05 1,919 apr/ Lehman collapse 0 00/ / / / / / / / / / / /
23 Challenge 1: Generation and Gender Gap I know how the Deposit Insurace System works I heve only heard of the Deposit Insurance System Male Female Our Target s 30s 40s 50s 60s- 20s 30s 40s 50s 60s- 23
24 Challenge 2: Quality of Public Awareness Percentage of people who know what the DIS consists of FY2007 FY2008 FY2009 FY2010 FY The Type of Deposits to be Fully Protected Coverage Insured Financial Institutions Non Insured Financial Institutions Non Eligible Deposits Non Insured Deposits 24
25 4. Conclusions 1) Financial Literacy DICJ will continue to contribute to promoting financial literacy with other safety-net players through various channels. 2) Public Awareness on DIS: Deposit insurers should have effective tools to improve public understanding, especially in peace time. adopt a new method of public awareness applicable to younger generations and a new social landscape. work with other safely-net players and banking sectors. deliver accurate information in an ongoing and timely manner
26 Thank you for your attention Deposit Insurance Corporation of Japan 26
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