Financial Sector Skills Survey金融业技能调研报告金融業技能調研報告

Commissioned by Rwanda Finance Limited and produced by Vanguard Economics in partnership with Coventry University's Centre for Financial and Corporate Integrity and Q-Sourcing Rwanda, this report evaluates the existing skills base within Rwanda's financial sector and sets targets for local upskilling and talent attraction over the next three to five years, in support of the Kigali International Financial Centre (KIFC). It finds that, notwithstanding robust recent growth, the depth of Rwanda's financial services sector remains below the average for least developed countries, with the sector still dominated by domestic retail banking while international finance remains in its infancy. Approximately 36,775 people were employed in the financial services sector as of 2023, accounting for just 0.9% of total employment in the country.本报告由卢旺达金融有限公司委托，Vanguard Economics联合考文垂大学金融与企业诚信中心及Q-Sourcing Rwanda共同编制，旨在评估卢旺达金融行业现有的技能基础，并为基加利国际金融中心（KIFC）的建设，就未来三至五年的本地技能提升与人才吸引设定目标。报告发现，尽管近年增长强劲，卢旺达金融服务业的深度仍低于最不发达国家的平均水平，行业目前仍以国内零售银行业务为主导，国际金融业务尚处于起步阶段。截至2023年，金融服务业约雇用36,775人，仅占该国总就业人数的0.9%。本報告由盧旺達金融有限公司委託，Vanguard Economics聯合考文垂大學金融與企業誠信中心及Q-Sourcing Rwanda共同編製，旨在評估盧旺達金融行業現有的技能基礎，並為基加利國際金融中心（KIFC）的建設，就未來三至五年的本地技能提升與人才吸引設定目標。報告發現，儘管近年增長強勁，盧旺達金融服務業的深度仍低於最不發達國家的平均水平，行業目前仍以國內零售銀行業務為主導，國際金融業務尚處於起步階段。截至2023年，金融服務業約僱用36,775人，僅佔該國總就業人數的0.9%。

The survey finds that non-specialist positions — administrative work, officers and cashiers — make up 57% of the financial sector workforce, while specialised and senior positions account for 40%, and executive roles the remaining 3%. Most sector employees are male and under the age of 40, hold undergraduate degrees, and have less than five years of experience. Projections in the report indicate that Rwanda's domestic financial sector is expected to grow from 36,775 employees to approximately 49,500 by 2027, with an additional 1,600 specialised jobs generated in international finance. By 2027, the sector will need to fill around 1,700 senior banking roles, 4,500 mid-level roles and 5,000 non-specialised roles. The most highly valued professional qualifications identified by the survey include the Chartered Financial Analyst (CFA), Certified Financial Planner (CFP), Chartered Institute for Securities & Investment (CISI) and Financial Modelling & Valuation Analyst (FMVA) certifications, alongside ACCA, CPA, CT and ACII.调研发现，非专业岗位——包括行政工作、职员及出纳——占金融业劳动力的57%，专业及高级岗位占40%，高管岗位占余下的3%。行业从业人员多为40岁以下男性，持有本科学历，从业经验不足五年。报告预测，卢旺达国内金融行业就业人数预计将从36,775人增长至2027年的约49,500人，并将在国际金融领域新增1,600个专业岗位。到2027年，该行业需填补约1,700个高级银行岗位、4,500个中层岗位及5,000个非专业岗位。调研确定的最受重视的专业资格包括特许金融分析师（CFA）、注册理财规划师（CFP）、特许证券与投资协会（CISI）资格及金融建模与估值分析师（FMVA）认证，此外还包括ACCA、CPA、CT及ACII等资格。調研發現，非專業崗位——包括行政工作、職員及出納——佔金融業勞動力的57%，專業及高級崗位佔40%，高管崗位佔餘下的3%。行業從業人員多為40歲以下男性，持有本科學歷，從業經驗不足五年。報告預測，盧旺達國內金融行業就業人數預計將從36,775人增長至2027年的約49,500人，並將在國際金融領域新增1,600個專業崗位。到2027年，該行業需填補約1,700個高級銀行崗位、4,500個中層崗位及5,000個非專業崗位。調研確定的最受重視的專業資格包括特許金融分析師（CFA）、註冊理財規劃師（CFP）、特許證券與投資協會（CISI）資格及金融建模與估值分析師（FMVA）認證，此外還包括ACCA、CPA、CT及ACII等資格。

The report identifies skills gaps in both technical and soft skills that may widen as Rwanda expands its international financial services. It finds that 40% of institutions surveyed feel their staff lack the technical, institutional and behavioural competencies needed to adequately support operations, with environmental, social and governance (ESG) matters, fintech, and currency and commodity markets highlighted as areas of least competence, alongside a general lack of understanding of international finance among surveyed staff. To address these gaps, the report sets out recommendations at the individual, institutional and national policy levels, aimed at strategically positioning Rwanda as a competitive force in the global financial landscape and supporting Rwanda Finance Limited's target of attracting $600 million in assets into the KIFC.报告指出，随着卢旺达国际金融服务业的扩展，其在技术及软技能方面的差距可能进一步扩大。调研发现，40%的受访机构认为其员工缺乏支撑业务运作所需的技术、组织及行为能力，其中环境、社会及治理（ESG）、金融科技以及货币与商品市场被列为能力最薄弱的领域，受访员工对国际金融的整体理解亦普遍不足。为弥合这些差距，报告从个人、机构及国家政策三个层面提出建议，旨在从战略上将卢旺达定位为全球金融格局中的一支竞争力量，并支持卢旺达金融有限公司为KIFC吸引6亿美元资产的目标。報告指出，隨著盧旺達國際金融服務業的擴展，其在技術及軟技能方面的差距可能進一步擴大。調研發現，40%的受訪機構認為其員工缺乏支撐業務運作所需的技術、組織及行為能力，其中環境、社會及治理（ESG）、金融科技以及貨幣與商品市場被列為能力最薄弱的領域，受訪員工對國際金融的整體理解亦普遍不足。為彌合這些差距，報告從個人、機構及國家政策三個層面提出建議，旨在從戰略上將盧旺達定位為全球金融格局中的一支競爭力量，並支持盧旺達金融有限公司為KIFC吸引6億美元資產的目標。