Skip to main content
SpringerLink
Log in
Book cover

Modernisation and Privatisation of Postal Systems in Europe pp 213–252Cite as

Financial Inclusion and the Role of Postal Systems

  • Chapter

Abstract

Today the struggle against exclusions is a very current issue in Europe. Although increased growth and efficiency have come about as a result of sudden changes in production structures, the increasingly competitive framework within which economic players have to operate, liberalisation and deregulation of the markets, a growing number of people have been excluded from these positive effects. Within this context, ensuing budget cutbacks have led to a subsequent reduction in social policy resources allocated to deal with growing problems. It has therefore become an urgent matter to act in a more effective manner.

Paragraph 5.3 is by J.P. Pollin, the rest by A. Riva.

This is a preview of subscription content, log in via an institution.

Chapter
USD   29.95
Price excludes VAT (USA)
  • Available as PDF
  • Read on any device
  • Instant download
  • Own it forever
eBook
USD   84.99
Price excludes VAT (USA)
  • Available as PDF
  • Read on any device
  • Instant download
  • Own it forever
Softcover Book
USD   109.00
Price excludes VAT (USA)
  • Compact, lightweight edition
  • Dispatched in 3 to 5 business days
  • Free shipping worldwide - see info
Hardcover Book
USD   109.99
Price excludes VAT (USA)
  • Durable hardcover edition
  • Dispatched in 3 to 5 business days
  • Free shipping worldwide - see info

Tax calculation will be finalised at checkout

Purchases are for personal use only

Learn about institutional subscriptions

Preview

Unable to display preview. Download preview PDF.

Unable to display preview. Download preview PDF.

References

  • ADULT FINANCIAL LITERACY ADVISORY GROUP (2000): Report to the Secretary of State for Education and Employment, Décembre.

    Google Scholar 

  • BBA, British Bankers’ Association (2000): Promoting Financial Inclusion, April 2000.

    Google Scholar 

  • CAFFET M. C. (2000): L’application de la charte des services bancaires de base, en «Revue d’économie financière», n° 58, pp. 121–134.

    Google Scholar 

  • CAISSE DES DEPOTS ET DES CONSIGNATIONS (2001): Etude pour l’élaboration d’une charte européenne volontaire sur les services bancaires de base, working paper, Janvier.

    Google Scholar 

  • COMITE CONSULTATIF (1999–2000): Rapport au Conseil National du Crédit et du Titre, Banque de France.

    Google Scholar 

  • COMMISSION EUROPEENNE, Communication 96/C281/03, «Les services d’intérêt général en Europe».

    Google Scholar 

  • COMMISSION EUROPEENNE, COM(2000) 79 final, «Construire une Europe de l’inclusion».

    Google Scholar 

  • COMMISSION EUROPEENNE, COM(2000) 379 final, «Agenda pour la politique sociale européenne».

    Google Scholar 

  • COMMISSION EUROPEENNE, COM(2000) 580 final, «Les services d’intérêt général en Europe».

    Google Scholar 

  • CONTRAT D’OBJECTIFS ET DE PROGRES PORTANT CONTRAT DE PLAN ENTRE L’ETAT ET LA POSTE 1998–2001.

    Google Scholar 

  • CONTRAT DE PLAN ENTRE L’ETAT ET LA POSTE 1995–1997. CRUIKSHANK D. (2000): Competition in UK Banking — A Report to the Chancellor of the Exchequer, Mars.

    Google Scholar 

  • CSR Europe (2001): Toward Financial Inclusions for All. A European Voluntary Charter on Banking Services: First Step of a Eropean Initiative. Working Document, Février.

    Google Scholar 

  • DELESSY H. —BADAOUI K. (1999a): L’usage des moyens de paiement selon le montant des flux créditeurs sur les CCP, working paper, La Poste.

    Google Scholar 

  • DELESSY H.— BADAOUI K. (1999b), Eléments sur l’usage à La Poste du Livret A, working paper, La Poste.

    Google Scholar 

  • DELESSY H. — GOBIN S. (2000): Quelques informations sur les mandats, working paper, La Poste.

    Google Scholar 

  • DTI, Departement of Trade and Industry (1999a): Modern Markets, Confident Consumers. The Gouvernemnt White Paper.

    Google Scholar 

  • DTI Departement of Trade and Industry (1999b): Post Office Reform: A World Class Service for the 215` Century. The Government White Paper, Juillet.

    Google Scholar 

  • DTI Departement of Trade and Industry (2000): First Annual Report to Parliament on the Progress of Reforms Set out in the White Paper, Décembre.

    Google Scholar 

  • EUROBAROMETRE 52 (2000), Services Financiers, Les Européens et les services financiers, Mai. Rapport rédigé par INRA (Europe) pour la Direction Générale Santé et Protection des consommateurs, Direction A, Politique des consommateurs, «Services financiers» et géré et organisé par la Direction Générale de l’Education et de a Culture, «Centre pour le citoyen».

    Google Scholar 

  • FSA, Financial Services Authority (2001): Policy Statement 45, Conduct of Business Sourcebook, Février.

    Google Scholar 

  • GADREY J. — GHILLEBAERT E. — GALLOUJ F.- DEVETTER X. — DUPLAA D. (1997): Valeur ajoutée et coût des prestations sociales de La Poste, working paper, Laboratoire LAST — CLERSE (Université de Lille I et IFRESI).

    Google Scholar 

  • GILLILAND K. (2001): Post Offices and Access to Financial Services, Congrès EFMA, Paris, 12 — 13 Février 2001.

    Google Scholar 

  • GUATRAT — GOUNOUF (1995): Le rôle des bureau de poste dans l’insertion des populations marginalisé, Mission de recherche de La Poste.

    Google Scholar 

  • GUENEAU C. (2000): Les besoins des personnes fragiles en matière de services bancaires, en «Revue d’économie financière», n° 58, pp. 47 — 56.

    Google Scholar 

  • HM Treasury (2000): Competition in Payment System, Consultation Paper, Décembre.

    Google Scholar 

  • HM Treasury Task Force (1999): Credit Union for the future, Novembre.

    Google Scholar 

  • IFF, Institut Fur Finanzdienstleistungen (2000): Access to Financial Services: Strategies towards Equitable Provision — German National. Report, Hamburg, August. Preliminary Paper présenté à la Conférence international de Göteborg «Access to Financial Services: Strategies towards Equitable Provision», le 22 et 23 Septembre 2000.

    Google Scholar 

  • KEMPSON E. - WHYLEY C. (1998): Access to Current Account. A Report to British Bankers’ Association, BBA.

    Google Scholar 

  • KEMPSON E. — WHYLEY C. — CASKEY J. — COLLARD S (2000): In or out ? Financial exclusion: a literature and research rewiew, FSA, Consumer Research 3.

    Google Scholar 

  • KONSUMET VERKET — KO (2000): Tendencies in Access to Financial Services in Sweden. Paper présenté à la Conférence international de Göteborg «Access to Financial Services: Strategies towards Equitable Provision», le 22 et 23 Septembre 2000.

    Google Scholar 

  • LARCHER G., SENATEUR (1997): La Poste, opérateur public de service public face à l’évolution technique et à la transformation du paysage postal européen, Rapport d’information au Sénat n° 42, Commission des affaires économiques et sociale, édition web.

    Google Scholar 

  • LARCHER G., SENATEUR (1998): Sauver La Poste: est-il encore temps pour décider ? Rapport d’information au Sénat n° 463, Commission des affaires économiques, édition web.

    Google Scholar 

  • LA POSTE, Rapport Annuel 1999.

    Google Scholar 

  • OFT, Office of Fair Trading (2001): The OFT’s New Approach to Consumer Codes of Practise. A Consultation Paper, Février.

    Google Scholar 

  • PAT 14, Policy Action Team 14 (1999): Access to financial Services, HM Treasury, November.

    Google Scholar 

  • PERFORMANCE AND INNOVATION UNIT (2000): Counter Revolution. Modernising the Post Office Network, Cabinet Office, Juin.

    Google Scholar 

  • PFRC, Personal Finance Research Centre (2000): Access to Financial Services in the UK, Paper présenté à la Conférence international de Göteborg «Access to Financial Services: Strategies towards Equitable Provision», le 22 et 23 Septembre 2000.

    Google Scholar 

  • PILLEY O. — ANDERLONI L. (1999): European Post Offices in Financial

    Google Scholar 

  • Services. Competitors or Strategic Partners ? Lafferty Publications, Dublin. RODRIGUEZ S. (2000): La nouvelle régulation des services publica en Europe. Paris, Ed. Tec and Doc.

    Google Scholar 

  • SEU, Social Exclusion Unit (1998), Brining Britain Togheter, a National Strategy for Neighbourhood Renewal, Cabinet Office, Juin.

    Google Scholar 

  • SEU Social Exclusion Unit (2001): A New Commitment to Neighbourhood Renewal. National Action Plan, Janvier.

    Google Scholar 

  • UFC — Que choisir, n° 376, Novembre 2000., pp. 42–45.

    Google Scholar 

  • UNITED NATIONS, (2001): Postal Saving for development project, Departement of economic and social affairs, Janvier.

    Google Scholar 

Download references

Authors
  1. Jean-Paul Pollin
    View author publications

    You can also search for this author in PubMed Google Scholar

  2. Angelo Riva
    View author publications

    You can also search for this author in PubMed Google Scholar

Editor information

Editors and Affiliations

  1. Bocconi University, Via Sarfatti, 25, 20136, Milan, Italy

    Roberto Ruozi

  2. Genoa University, Via Vivaldi, 2, 16126, Genoa, Italy

    Luisa Anderloni

Rights and permissions

Reprints and permissions

Copyright information

© 2002 Springer-Verlag Berlin Heidelberg

About this chapter

Cite this chapter

Pollin, JP., Riva, A. (2002). Financial Inclusion and the Role of Postal Systems. In: Ruozi, R., Anderloni, L. (eds) Modernisation and Privatisation of Postal Systems in Europe. Springer, Berlin, Heidelberg. https://doi.org/10.1007/978-3-662-04882-5_6

Download citation

  • DOI: https://doi.org/10.1007/978-3-662-04882-5_6

  • Publisher Name: Springer, Berlin, Heidelberg

  • Print ISBN: 978-3-642-07669-5

  • Online ISBN: 978-3-662-04882-5

  • eBook Packages: Springer Book Archive

Publish with us

Policies and ethics

Search

Navigation