國(guó)際貿(mào)易外文翻譯---小額信貸業(yè)的發(fā)展陣痛-國(guó)際貿(mào)易-免費(fèi)閱讀
【正文】 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。 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。 manipulation of clients by local political forces。 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(guó)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。s microfinance institutions, including interest rate caps, loan limits and ine ceilings for borrowers. Some observers weled the news。而保險(xiǎn)產(chǎn)品則可以幫助他們管理風(fēng)險(xiǎn)。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(wèn)題，而不是將 問(wèn)題全球化，把任何問(wèn)題都當(dāng)作是一定會(huì)發(fā)生在自己身上的事情?！?Mibanco 是一家位于秘魯利馬的私人銀行，主要客戶為微型和小型企業(yè)。這個(gè)國(guó)家擁有完善的客戶信息交換系統(tǒng)，因此小額信貸公司可以很清楚地知道客戶是否已經(jīng)有負(fù)債。” 過(guò)去三年內(nèi)，過(guò)度負(fù)債問(wèn)題引發(fā)了一系列的危機(jī)和抗議活動(dòng)。 目前， Fonkoze 是海地最大的小額信貸機(jī)構(gòu)，但它也曾經(jīng)面臨過(guò)類(lèi)似的尷尬處境。尤努斯發(fā)起了一項(xiàng)實(shí)驗(yàn)，向難以獲得傳統(tǒng)銀行貸款的窮人提供小額無(wú)擔(dān)保貸款。他指出，過(guò)去 20 到 30 年間，小額信貸的方式方法幾乎都沒(méi)有發(fā)生過(guò)變化。s Latest Growing Pains 小額信貸業(yè) 的 發(fā)展陣痛 《 Knowledge Wharton》 February 2nd 2020 《沃頓知識(shí)》雜志 2020年 2月 2日 譯者： 劉穎會(huì) 大連民族學(xué)院 國(guó)際商學(xué)院 國(guó)際經(jīng)濟(jì)與貿(mào)易 072班 2020年 6月 大連民族學(xué)院 國(guó)際商學(xué)院 英文翻譯 小額信貸業(yè)發(fā)展陣痛 近期的小額信貸危機(jī)源于印度南部城市安得拉邦，當(dāng)?shù)剡^(guò)度負(fù)債、暴力催款和借款者被迫自殺等問(wèn)題引發(fā)了民眾對(duì)小額信貸行業(yè)的廣泛指責(zé)，并強(qiáng)烈呼吁政府加強(qiáng)監(jiān) 管。近期在沃頓阿瑞斯高級(jí)管理教育學(xué)院小額信貸管理培訓(xùn)班上，討論 的焦點(diǎn)集中在過(guò)度信貸、高速的行業(yè)增長(zhǎng)以及如何在追求利潤(rùn)的同時(shí)更好地實(shí)現(xiàn)小額信貸的設(shè)立宗旨。對(duì)于部分小額信貸機(jī)構(gòu)而言，他們亟待補(bǔ)充的是諸如盡職調(diào)查、可持續(xù)發(fā)展和關(guān)注客戶等基本商業(yè)知識(shí)?，F(xiàn)在，小額信貸機(jī)構(gòu)開(kāi)始尋求持續(xù)增長(zhǎng)、降低風(fēng)險(xiǎn)的途徑。 “小額信貸一直被奉為有益于人民的產(chǎn)物，尤其是在尤努斯教授獲得諾貝爾獎(jiǎng)之后”， Roenen 指出，“ 但是現(xiàn)在安得拉邦的情況讓大家對(duì)小額信貸產(chǎn)生了負(fù)面的看法?我們應(yīng)該可以從中得到一些教訓(xùn)。 2020 年，該公司僅有 19 位員工，而發(fā)展至今，已經(jīng)擁有 11 家分支機(jī)構(gòu)， 260 名員工， 10， 000名客戶以及 550 萬(wàn)美金的帳戶規(guī)模。他們只是一味的借錢(qián)，借錢(qián)，借錢(qián) —— 最終導(dǎo)致自己無(wú)力償還。 “現(xiàn)在，大家都把一個(gè)地方發(fā)生的事情當(dāng)作是全世界都會(huì)發(fā)生的事情，認(rèn)為安得拉邦的情況就是秘魯、海地、塔吉克斯坦或是非洲其他
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