This lack of contextual clarity has led to excessively conservative interpretations of the regulations – and thus to the creation of unintended barriers to financial inclusion. Addressing this will require input from policymakers with practical experience applying international standards, particularly in emerging economies.
尽管全球标准是为了体现适度原则，但它们对国家层面的监管者、银行机构和金融部门评估者（他们试图在多样化的环境中有效地使用这些标准）所提供的指导是不充分的。所处环境的不清晰导致了对监管的过度保守的解读——从而产生了意料之外的金融包容壁垒。纠正这一问题需要决策者投入（特别是在新兴经济体）实施国际标准实践经验。