يجب أن نضع في اعتبارنا أن الابتكار المالي في الماضي لم يفيد الأسر العاملة في كثير من الأحيان، بل أدى في بعض الأحيان إلى تفاقم عدم المساواة، مما أدى إلى ظهور مخاطر التمويل غير المشروع، وزيادة المخاطر المالية النظامية.

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