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2006年的诺贝尔和平奖授予了孟加拉国经济学家默罕默德·尤努斯教授以及他创办的孟加拉国“乡村银行”(它的英文名字是Grameen Bank,简称GB),评审是基于尤努斯通过乡村银行向孟加拉国社会最底层的穷人提供小额贷款,使这些通常金融制度下无法得到信贷的人,有了发展的起步资本。孟加拉国乡村银行小额信贷模式是国际上公认的最成功的直接扶贫到户的一种信贷制度,乡村银行的贷款目标仅指向农村贫困人口,旨在使千千万万的贫困农户直接获得持续稳定的生产性经营贷款,促使他们走上自我生存和发展的道路,同时使为贫困农户服务的商业性信贷机构不靠外部力量的弥补即可生存发展。乡村银行的成功经验,验证了商业性金融机构的资金支持与贫困农户的生产经营活动的结合仍能取得双赢的结局。
The 2006 Nobel Peace Prize was awarded to a Bangladeshi economist, Professor Mohamed Yunus, and his “Bangladeshi” country bank "(whose English name is Grameen Bank, GB) and reviewed Based on Yunus providing small loans to poor people at the lowest level in Bangladesh through rural banks, those who can not get credit under these usual financial systems have developed capital for growth. Bangladesh’s rural bank microcredit model is internationally recognized as the most successful direct-to-home credit system. The target of rural bank loans is only directed at the rural poor, aiming to ensure the direct access of millions of poor farmers Stable and productive management loans have enabled them to embark on their own path of survival and development while enabling commercial credit institutions that serve poor households to survive and grow without external remedies. The successful experience of rural banks has verified that the combination of financial support from commercial financial institutions and the production and operation activities of poor peasants can still achieve a win-win outcome.