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-預(yù)覽頁
【正文】 市計(jì)劃。不同環(huán)境下的不同情況，具體事情具體分析，仔細(xì)研究問題，而不是將 問題全球化，把任何問題都當(dāng)作是一定會(huì)發(fā)生在自己身上的事情。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。而保險(xiǎn)產(chǎn)品則可以幫助他們管理風(fēng)險(xiǎn)?！? 大連民族學(xué)院 國際商學(xué)院 英文翻譯 Microfinance39。s microfinance institutions, including interest rate caps, loan limits and ine ceilings for borrowers. Some observers weled the news。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。 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 replicated in other countries as a way to fight poverty. Microfinance spread around the world and earned Yunus a Nobel Prize in 2020. But over the past few years, increasing petition among lenders and a weak global economy have strained borrowers and microfinance institutions alike. As an increasing number of banks and forprofit panies entered the market and contributions from investors increased, some markets became oversaturated and borrowers overextended. Microfinance institutions are now seeking ways to continue growing with less risk. We are in a tension field between sustainability and ... social impact, said participant Carine Roenen, executive director of Fonkoze, a grassroots microfinance organization based in PortauPrince, Haiti. You take one of these two poles out of the equation and things go wrong. Fonkoze, Haiti39。 Morocco39。 manipulation of clients by local political forces。 In some countries, the problem of overindebtedness has been attributed to a lack of information: Without a system of credit bureaus or official identification cards for the poor, lenders could not determine a borrower39。 quest for hyper profits as reason to clamp down on the industry. Many microfinance panies in India seek investor capital, in part because of India39。 it39。s Murray. The sector has to do this and build coalitions. It must also engage in selfregulation. However, this will only work up to a point. Legal regulation will likely be required, but this needs to be done in a way that enables growth. The industry is focusing heavily on finding ways to measure social impact, and setting industry standards by which microfinance institutions can selfregulate. Organizations are also pushing product diversification: After years of extending credit, many microfinance institutions argue that other types of financial services could have an even greater impact than loans. Savings accounts, for example, would give poor households a safe place to store emergency funds. Insurance products would help them manage risk. In a study in Morocco, Women39。re absolutely optimistic that the microfinance sector is here to stay. Problems in Andhra Pradesh and other hotspots are essentially a lot of growing pains. The key is not to throw the baby out with the bath water.
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