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(完整版)
【正文】 There are lots of stakeholders. Government has to 大連民族學(xué)院 國(guó)際商學(xué)院 英文翻譯 play its role. Microfinance has to play its role. The investors have to play a role. And then we can find a solution. The recent developments in Andhra Pradesh and other hotspots have brought industry leaders together to explore ways to limit the potential for overlending in the future, said Women39。t useful for the client. Added Llosa: If we are not profitable, we are not sustainable. For that reason, it39。 and Bosnia witnessed overindebtedness after war recovery efforts spawned a large number of MFIs chasing too few customers. In each case, the root causes were plex: poor petitive practices for example, cherry picking each other39。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 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。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。我認(rèn)為這將讓小額信貸行業(yè)面臨巨大的風(fēng)險(xiǎn)，” JeanLouis 指出，“確實(shí)，印度發(fā)生了一些問題?！? 而許多國(guó)家的傳統(tǒng)商業(yè)銀行也開始發(fā)起攻勢(shì)，為了保持市場(chǎng)份額，小額信貸公司不得不面臨越來越大的壓力。 在部分國(guó)家，過度負(fù)債的問題被歸咎于信息缺乏：在缺乏信用體系或正規(guī)的身份證明的情況下，貸款人難以判斷借款人的信用歷史或是否已經(jīng)有其他貸款。公眾認(rèn)為也期待我們能夠?yàn)樯鐣?huì)貢獻(xiàn)價(jià)值。 “我們正處于一個(gè)緊張的局勢(shì)之下，既要保證可持續(xù)發(fā)展，又要兼顧社會(huì)影響”，F(xiàn)onkoze 公司執(zhí)行董事 Carine Roenen 表示：“如果無法平衡這兩者之間的關(guān)系，事情大連民族學(xué)院 國(guó)際商學(xué)院 英文翻譯 就會(huì)變得非常糟糕。 過度負(fù)債的效應(yīng) 現(xiàn)代小額信貸活動(dòng)發(fā)源于 1977 年孟加拉國(guó)。 小額信貸業(yè)經(jīng)歷了一場(chǎng)由壞賬“大地震”所引發(fā)的“痛苦的覺醒”， 26 名來自全球各地的社會(huì)財(cái)富計(jì)劃參與者之一 Kamran Azim 在一堂主題為小額信貸業(yè)的增長(zhǎng)與可持續(xù)發(fā)展的討論中如此比喻道。大連民族學(xué)院 國(guó)際商學(xué)院 英文翻譯 2020級(jí)畢業(yè)論文外文翻譯資料 Microfinance39。 Azim是創(chuàng)立于 1996年的巴基斯坦拉合爾小額信貸機(jī)構(gòu) Kashf基金的運(yùn)營(yíng)總監(jiān)。當(dāng)時(shí)經(jīng)濟(jì)學(xué)教授穆罕默德” Fonkoze 小額信貸公司位于海地首都太子港，是一家真正的草根企業(yè)。但我們需要更好地溝通這一理念。但據(jù) Vaisova表示，塔吉克斯坦的情況卻并不是這樣?！斑@些新的競(jìng)爭(zhēng)者不同于一般的競(jìng)爭(zhēng)者，他們的規(guī)模遠(yuǎn)遠(yuǎn)大于我們，面對(duì)這樣強(qiáng)大的對(duì)手，我們很容易就輸?shù)暨@場(chǎng)戰(zhàn)爭(zhēng)，” Mibanco 公司總經(jīng)理、大連民族學(xué)院 國(guó)際商學(xué)院 英文翻譯 社會(huì)財(cái)富計(jì)劃的參與者之一 Rafael Llosa 表示，“當(dāng)你希望成為市場(chǎng)中的領(lǐng)導(dǎo)者，為生存而 不斷抗?fàn)帟r(shí)，你就會(huì)開始關(guān)注其他的事情。我們應(yīng)該從中吸取教訓(xùn)，對(duì)問題進(jìn)行研究分析，從而避免在世界上的其他地方出現(xiàn)同樣的問題?但是與此同時(shí)，我們也應(yīng)該綜合地來分析。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。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 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。s clients as well as relaxation of due diligence as MFIs sought to grow rapidly。s not an error to have profits. Building Coalitions But how much profit? In Andhra Pradesh, state government officials in October cited microlenders39。s World Banking39。s World Banking found that women borrowers tended to set aside 40% of their ines for health emergencies, Murray pointed out. It39。s banking laws, noted participant Vikram Jetley, chief operating officer for Bangalorebased microfinance pany Ujjivan39。 and macroeconomic shocks. Microfinance works in an ecosystem, Murray said. When it bees too successful and money is involved, risk is created. 大連民族學(xué)院 國(guó)際商學(xué)院 英文翻譯 Program participant Mavsuda Vaisova saw the negative results o
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