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গ্রামের পরিবর্তনের অনেকগুলো অনুঘটকের মধ্যে একটি হলো আর্থিক অন্তর্ভূক্তি । কিন্তু আর্থিক সেবায় প্রবেশাধিকারের বিষয়টি এখনো অপর্যাপ্ত। একটি দক্ষও টেকসই আর্থিক সেবা ও মূলধন যা ছাড়া গ্রামীণ রূপান্তরের সুবিধা পরিপূর্ণভাবে ব্যবহার করা যাবে না যাতে ব্যাপকভাবে প্রবেশাধিকার এখন খুব সাধারণ একটি চাহিদা। আর এটা করতে আর্থিক সম্পদ ও বাজেটের পরিবর্ধন প্রয়োজন এবং গ্রামীণ আর্থিক খাতগুলো দক্ষতায় ব্যাপক উন্নতি এবং প্রাতিষ্ঠানিক স্থায়িত্ব প্রয়োজন। অস্ত র্ভূক্তিমূলক অর্থনৈতিক প্রবৃদ্ধির জন্য এবং দারিদ্র্য জনগোষ্ঠীর সংখ্যা কমানোর জন্য আর্থিক খাতে প্রবেশ একটি গুরুত্বপূর্ণ বিষয়। বিশ্বব্যাংক আর্থিক অন্তর্ভূক্তিকে সংজ্ঞায়িত করে এভাবে যে, আর্থিক অন্তর্ভূক্তি হলো সকল আর্থিক সামর্থ্যযোগ্য পণ্যে পরিপূর্ণ প্রবেশাধিকার যা সাধারণত একটি টেকসই আর্থিক প্রতিষ্ঠান কর্তৃক প্রদত্ত হয়ে থাকে। বিশ্বব্যাপী প্রায় দুই বিলিয়ন মানুষের কোনো আর্থিক হিসেব নেই এবং অনেক ক্ষুদ্র ব্যবসায়ীরা তাদের প্রয়োজনমতো আর্থিক দলিলপত্র ব্যবহার করতে পারে না । জাতিসংঘের টেকসই উন্নয়ন লক্ষ্যমাত্রায় এই আর্থিক অন্তর্ভূক্তি এখন সুস্পষ্ঠভাবে অনুমোদন করা হয়েছে ।

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Appropriate central bank response to persistent fiscal dominance will vary according to specific country situations, but in all cases they need to be unrelenting in strong advocacy for fiscal restraint, insisting on stabilization of public debt and growth of tax bases in tandem with expansion of public expenditure, so as not to let sovereign borrowing levels strain financial stability. Also, central banks should maintain real interest rates at such levels to dissuade borrowing binge by public and private also be needed occasionally. Beside these steps in terms of traditional role in the private profit driven market economy framework, promotion of pursuit of socially responsible business ethos would help consulate stability, by curbing debt addiction and short term speculative profit seeking at the expense of log terms sustainability in the real and financial sectors. (Translate English to Bengali)
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