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1、本科毕业论文外文翻译原文外文题目Theme:RuralFinanceInstitutionsandSystem——ModelsofRuralFinancialInstitutions出处:InstituteofRuralDevelopment作者:ManfredZeller原文:TheRoleofRuralFinanceforAgriculturalandEconomicGrowth,FoodSecurityandPovertyReductionSecond,whileagricultureis,relativelyspeaking,
2、adecliningsectorinthecourseofdevelopment,inmanydevelopingcountriesitisstillaleadingeconomicsector,themainexporter,andthemajoremployer,especiallyforthepoorandwomen.Improvedfinancialmarketsaccelerateagriculturalandruralgrowth.Financialservicesassisthouseholdsinmaintaining
3、foodsecurityandsmoothingconsumption,therebysafeguardingorenhancinglaborproductivity,themostimportantproductionfactorofthepoor.Becauseofagriculture’sstrongforwardandbackwardmultipliereffectsfortheoveralleconomy,economicgrowthinagricultureespeciallyinsubsectorsthatdirectl
4、yorindirectlybenefitsmallholders,tenants,andwagelaborersisakeypreconditionforoveralleconomicgrowthandpovertyreduction.Atpresent,mostofthepoorstillliveinruralareas.Anystudentofanintroductorycourseinmicro-economicsordevelopmenteconomicslearnsthataccesstosavings,creditandi
5、nsuranceservicescanhavebeneficialeffectsonhouseholdsandtheirenterprisesandthereforeoneconomicgrowth,andthatmicrofinanceinparticularmayalsocontributetomoreequitablegrowth.Accesstocredit,however,hasaneconomicbenefitonlyifandwhenthataccessgeneratesabroadlydefinedneteconomi
6、csurplusafterhavingdeductedtheprivateandsocialcostsofloanprovision(includingtheopportunitycostsofscarcepublicfundsinalternativepovertyreductionpolicies).Whiletheevidenceontheimpactofcreditonhouseholdwelfare,agriculturaltechnologyadoption,andonagriculturalsectorgrowthism
7、ixed4,manypracticalconstraints(i.e.timeandmoney)andmethodologicaldifficultiesinestimatingtheimpactofapolicyorprojectwithareasonableprobabilityoferrorexistSimplecommonsensetellsusthatsaverswhocontinuetodepositmoneyfordifferentmotives,borrowerswhocontinuetorepaytheirloans
8、,andclientspayingregularpremiumsforhealthandlifeinsuranceoverlongperiodsactuallyderiveaneconomicbenefit.CHANGI