國際貿(mào)易外文翻譯---小額信貸業(yè)的發(fā)展陣痛-國際貿(mào)易-文庫吧
2025-04-17 14:45 本頁面
【正文】 Murray 說道。“小額信貸行業(yè)必須面對(duì)現(xiàn)實(shí)，建立聯(lián)盟，同時(shí)還需要加強(qiáng)自我監(jiān)管。然而，這將是一個(gè)循序漸進(jìn)的過程。這其中，我們可能還需要引入法律監(jiān)管，但前提是，監(jiān)管不能妨礙增長?！? 小額信貸行業(yè)重點(diǎn)關(guān)注的領(lǐng)域在于如何衡量社會(huì)影響，建立行業(yè)標(biāo)準(zhǔn)從而讓企業(yè)能夠?qū)崿F(xiàn)自我監(jiān)管。同時(shí)，小額信貸企業(yè)還在追求產(chǎn)品多樣化：經(jīng)過多年的貸款經(jīng)驗(yàn)，許多小額信貸機(jī) 構(gòu)認(rèn)為其他類型的金融服務(wù)甚至可能會(huì)比貸款帶來更大的影響。例如，儲(chǔ)蓄賬戶可以給窮人們一個(gè)安全的存放緊急備用資金的選擇。而保險(xiǎn)產(chǎn)品則可以幫助他們管理風(fēng)險(xiǎn)。 根據(jù)在摩洛哥開展的一項(xiàng)研究，婦女世界銀行發(fā)現(xiàn)婦女借款人傾向于將收入的 40%作為健康緊急備用資金， Murray 指出?！皬倪@一點(diǎn)來說，這些婦女可以將 20%的資金作為保費(fèi)，剩下 20%的資金用于投資。長期來說，這可能是讓她們擺脫貧困的更好的選擇?！? 大連民族學(xué)院 國際商學(xué)院 英文翻譯 Microfinance39。s Latest Growing Pains The most recent crisis to hit microfinance began in India39。s southern state of Andhra Pradesh, where allegations of widespread overindebtedness, heavyhanded collection tactics and borrower suicides have stirred a national debate about regulating the industry. In October, the state government slapped restrictions on microfinance institutions that crippled lending and sent collection rates plummeting along with the share price of SKS Microfinance, India39。s largest forprofit microlender. On January 19, the Malegam Committee Report, released by the Reserve Bank of India, remended a range of new regulations for India39。s microfinance institutions, including interest rate caps, loan limits and ine ceilings for borrowers. Some observers weled the news。 doomsayers predicted a credit crunch and industry collapse. While it is too early to tell how the sector will respond, the crisis in Andhra Pradesh has sparked heated debate and soulsearching throughout the world39。s microfinance munity. During a recent program for microfinance leaders at Wharton39。s Aresty Institute of Executive Education, discussion turned repeatedly to questions of overindebtedness, rapid industry growth, and the fine line between profits and purpose. The microfinance sector has experienced a rude awakening by a delinquency earthquake, said one of the program39。s 26 international participants, Kamran Azim, during a general discussion about the growth and sustainability of the microfinance industry. Azim, head of operations at the Kashf Foundation, a microfinance organization established in 1996 in Lahore, Pakistan, pointed out that methods and methodologies in microfinance have changed little in the past 20 or 30 years. Now suddenly, the earth has moved. Sponsored by the Women39。s World Banking Center for Microfinance Leadership, the Advanced Leadership Program at Wharton brought together microfinance leaders for a week of intensive study, brainstorming and working to help prepare them for the challenges facing microfinance today. The goal of this year39。s cohort: to find innovative ways to confront the global economic crisis, new petition, increased regulation and relentless pressure to perform. During times of accelerated change, there is a tendency to rely on known ways of doing business, reads the introduction to one of the program39。s courses. Yet it is at just these times that innovation is of heightened importance. At the same time, as several participants noted, the industry must find new ways to sustain growth without losing sight of clients39。 needs. For some microfinance institutions, that could require a crash course in business fundamentals such as due diligence, sustainable growth and customer care. The Effects of Overlending 大連民族學(xué)院 國際商學(xué)院 英文翻譯 The modern microfinance movement began in Bangladesh in 1977, as an experiment by economics professor Muhammad Yunus, who gave out small, nocollateral loans to groups of borrowers too poor to get credit from traditional banks. Over the next three decades, the model he established became widely accepted and
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