AAA는 금융 발전 초기에 금융의 기수요자들에게 수혜가 집중되어 소득 불평등이 확대되다가, 일정 수준의 금융 발전이 진행되면 저소득층의 금융 접근성이 확대되어 소득 불평등이 완화된다고 보았다.
The AAA noted that income inequality was expanded as benefits were concentrated on financial consumers in the early stages of financial development and that a certain level of financial development would increase accessibility for low-income people to ease income inequality.