12. 强调在全球范围内，主要在发展中国家农村地区，有 20 亿人无法获得正规的金融服务，鼓励国际社会进一步努力，为农村地区得不到资金的人提供负担得起的资金获得方式；
12. Emphasizes that, globally, 2 billion people, primarily in rural areas in developing countries, do not have access to formal financial services, and encourages further efforts of the international community to offer affordable ways to access finance for the financially excluded in rural areas;