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-文庫吧在線文庫
【正文】 tutions. Borrowers in Andhra Pradesh can also get credit from the Self Help Group (SHG) program, a government poverty alleviation program funded in part by the World Bank that offers microloans at belowmarket rates. Srinivasan found that onethird of loans distributed in Andhra Pradesh were given out by microfinance institutions, while twothirds were given to borrowers in the SHG program. The Andhra Pradesh crisis happened because the government has been going there and promising a 3% rate of interest while my rate of interest even on our debt funding is 12%, said Jetley. How can you survive? This is not an India problem。t push us because we cannot push people to kill themselves.39。s microfinance industry suffered a crisis in 2020 when a No Pago (No Pay) movement led to widespread defaults and violent protests。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。長期來說，這可能是讓她們擺脫貧困的更好的選擇。然而，這將是一個循序漸進的過程。 印度的許多小額信貸公司之所以尋求投資者的資金，部分原因是印度的銀行法所致，班加羅爾小額信貸公司 Ujjivan 北區(qū)首席運營官、社會財富計劃參與者 Vikram Jetley 表示 ?！奔热挥袡C可乘，大多數(shù)借款人當然樂得拿到更多的錢。小額信貸“有自己的生態(tài)系統(tǒng)，” Murray 表示，“太過成功就會導致更多資金流入，自然也就會孳生更多風險”。自 2020 年 1 月海地大地震以來， Fonkoze 公司已經(jīng)提供了上千次的現(xiàn)金補助，新增貸款超過一萬筆。 然而，近年內(nèi)，愈加激烈的業(yè)內(nèi)競爭以及全球經(jīng)濟走低讓借款人和小額信貸機構(gòu)雙雙陷入困境。然而，正是在這樣的時刻，創(chuàng)新方顯得尤為重要。有些觀察家對此表示歡迎，而悲觀人士則認為此舉難以避免信貸緊縮和行業(yè)崩潰。 1 月 19 日，印度儲備銀行發(fā)布 Malegam委員會報告，建議對印度小額信貸機構(gòu)施加一系列新的監(jiān)管措施，包括設置利率上限、貸款限額以及對借款人的收入進行規(guī)定。 正如該培訓計劃中一門課程的導言所說：“面對不 斷加速的變革，人們趨向于依賴傳統(tǒng)的方式進行商業(yè)發(fā)展。小額信貸自此在全球范圍內(nèi)廣為傳播，尤努斯教授也因此而在 2020 年獲得諾貝爾獎。 Fonkoze 公司通過對現(xiàn)有貸款進行重組，幫助客戶渡過難關。產(chǎn)生以上種種情況的根本原因不盡相同，但都十分復雜：惡性競爭 —— 例如，互相爭奪優(yōu)質(zhì)客戶 —— 以及缺乏完善的盡職調(diào)查而一味追求快速擴張；通過當?shù)卣瘟α坎倏v客戶；此外還有宏觀經(jīng)濟的疲軟。但是，急于擴張的 欲望讓這些公司不顧一切，依然為客戶進行貸款。 建立聯(lián)盟 但是多少才算利潤？拿安得拉邦來說，去年 10 月份，該國政府官員就將小額信貸機構(gòu)追求“超額利潤”作為打壓這一行業(yè)的理由。“小額信貸行業(yè)必須面對現(xiàn)實，建立聯(lián)盟，同時還需要加強自我監(jiān)管?！皬倪@一點來說，這些婦女可以將 20%的資金作為保費，剩下 20%的資金用于投資。s microfinance munity. During a recent program for microfinance leaders at Wharton39。s World Banking. Among them: Nicaragua39。Please don39。s north region. According to the 大連民族學院 國際商學院 英文翻譯 pany39。s pretty easy to argue that spending 20% on an insurance premium and the other 20% on investing in business to get out of poverty could be a better option longterm, she said. And growth for both borrowers and lenders is what microfinance institutions say they want. We believe there39。s problem. It is not cascading to other states. Oversimplifying the challenges in Andhra Pradesh and painting the entire microfinance industry with the same broad brush will not help find creative solutions going forward, said participant Georgette JeanLouis, CFO of Fonkoze, the microfinance institution in PortauPrince, Haiti. I think the sector right now is at risk because everybody is trying to take what happened in one part [of the world] and say it is the same thing that is happening in Peru, in Haiti, in Taijikistan or in some part of Africa, JeanLouis stated. Yes, there is a problem [with] what happened in India. We have to learn from it, we have to study it, in order to prevent it from happening in every part of the world.... But at the same time, you have to look at the context. You have to look at the environment. You have to look at what happened and study it instead of globalizing [it and treating it as] the same monster that is happening to you. Every country is different, she added, and solutions must account for the differences and involve everyone.
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