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-資料下載頁
2025-05-12 14:45本頁面
【導讀】者被迫自殺等問題引發(fā)了民眾對小額信貸行業(yè)的廣泛指責，并強烈呼吁政府加強監(jiān)管。公司SKS股價暴跌的小額信貸機構(gòu)實施管制。1月19日，印度儲備銀行發(fā)布Malegam. 貸款限額以及對借款人的收入進行規(guī)定。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。額信貸行業(yè)的熱烈討論和深刻反省。近期在沃頓阿瑞斯高級管理教育學院小額信貸管理。好地實現(xiàn)小額信貸的設(shè)立宗旨。Azim是創(chuàng)立于1996年的巴基斯坦拉合爾小額信貸機構(gòu)Kashf. 他指出，過去20到30年間，小額信貸的方式方法幾乎都沒有發(fā)生過。對于部分小額信貸機構(gòu)而言，他們亟待補充的是諸如盡職調(diào)查、可持續(xù)發(fā)展和關(guān)注。現(xiàn)代小額信貸活動發(fā)源于1977年孟加拉國。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。2020年，颶風致使其三分之一的客戶遭受嚴重損失。自2020年1月海地大地震以來，F(xiàn)onkoze公司已經(jīng)提供了上。拿安得拉邦來說，去年10月份，該國政府官員就將小額信貸
【正文】 nethird 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。 it39。s one state39。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. There are lots of stakeholders. Government has to 大連民族學院 國際商學院 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。s World Banking39。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。s World Banking found that women borrowers tended to set aside 40% of their ines for health emergencies, Murray pointed out. It39。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 a tremendous future for microfinance ... if you focus on having an impact at the client level and the household level, creating services that will enable poor people to make better choices for how to use their money, Murray added. We39。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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