格莱珉乡村银行的经济价值【外文翻译】

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1、外文题目：TheeconomicoftheGrameenBank出处：ABell&HowellInformationCompany作者：Ameen,Farhad原文：THEECONOMICOFTHEGRAMEENBANKABSTRACTTheGrameenBankhasimprovedthelivesofseveralmillionpoorpeopleinruralBangladeshbyprovidingthemwithcredit.Usinganinnovativegrouplendingprogram,thebankhasbe

2、enabletorecover97%ofitsloans.ThisdissertationisanattempttounderstandtheintricaciesoftheGrameenBank’screditprogramandtothrowlightonthosefeaturesofitsinnovativeinstitutionset-upthatmakeitsosuccessfulinrecoveringitsloans.Thedissertationisdividedintosixchaptersandorganized

3、asfollows.Ifirstdescribetheinstitutionalset-upoftheGrameenBankanditsgrouplendingprogram.Idrawonmaterialobtainedfrominterviewswithbankstaffandborrowsduringafield-triptotheKonokdiabranchofthebankinPatuakhali.Thisisfollowedbyaneconomicanalysisofthebank'slendingprogram.Ian

4、alyzethemultifacetedroleofgrouplendinginspecificwaysinwhichtheincentivescreatedbytherequirementtoformgroupsaffectsgroupcompositionandtheincentivesforpeersupport,peersupervision,andloanrepayment.Usingaformalmodel,IanalyzetheeffectofonespecificfeatureoftheGrameenBank–“st

5、aggereddisbursement”--ontheexpectedloanrecoveryrate.InatwoborrowermodelIshowthatwhenloandisbursementisstaggered,theprobabilityofloanrecoveryishigherwhenborrowersarelinkedtogetherinagroupthanwhenthereisnosuchgroupinterlinkage.Ianalyzetheimplicationsofloanstaggeringonbor

6、rowerwelfare.ThedissertationalsoincludesanempiricalanalysisofthedeterminationofloanrepaymentintheGrameenBank.UsingpaneldatacollectedfromasampleofGrameenBankbranchesbytheWorldBank,IperformOLS,“fixedeffects”and“randomeffects”regressionstoexaminetherelationshipbetweenthev

7、ariationinrepaymentratesacrossGrameenBankbranchesandsuchvariablesastheaverageloansize,theproptionofloanstowomenandthedistanceofthebranchfromdistricteHeadquarters.Theresultsthrowlightonsomeofthetheoreticalissuesraisedinthetheearlierchapters.IntroductionThemotivationforw

8、ritingthisdissertationcamefromlearningoftheexistenceofaveryuniquebank,theGrameenBankinBangladesh,thatseemedtoholdthep