孟加拉国乡村银行发展模式研究[文献翻译]

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1、外文题目：InRuralBangladeshBankDevelopmentPattern出处：AsiaMonitor:SouthAsiaMonitor作者：ClaudioGonzalezVega原文：InRuralBangladeshBankDevelopmentPatternByClaudioGonzalezVegaBangladeshgrameenbankthehistoricalbackgroundoftheemergenceTheNobelpeaceprizefor2006wasawardedinBanglade

2、shmuhammadyunusandgrameenbankestablished.InruralBangladeshbank(alsocalledgrameengrameenbank)sinceitsinception,andsuccessfullyinBangladeshintroducedapoorpeasanthouseholdsmicrofinancemodel,thewholeworldatremendousecho,itsfoundermuhammadyunusearnedbankertothepoorrep

3、utation.In1976,muhammadyunuslendingexpandedtohundredvillages.In1983,classicsbycongress,BangladeshgovernmentlicencesmuhammadyunuscreateestablishedtohisGrameenBank,andnamedsomebody(i.e.GrameenBank,GrameeninBengaliinthe"village"means).Thisemergingbankingsoonreceived

4、alotofpublicsupportfordevelopingcountries,andimplementmicrofinanceprovidesagoodreference.inruralBangladeshbankoperationmodeForordinarycommercialBanksinBangladesh,itprovidessmallloansoftenisanotyetbraved,alsoDisdaintosetfootinthefield.First,theoperatingcostishigh.

5、Needmicrofinancevillagersoftencomesfromdifferentsocialfields,theirbusinessprojectsismultifarious:textilegauzeandsellingicecreambar,productionbronzes,repairedtheradio,processingmustardoil,planting,ricejackfruit,etc.Andeachprojectloanonlyafewtensofdollars,andevenaf

6、ewdollars,thiswillgiveabankofficerbroughtanightmarescenario:dailyneedtrackinghundredsofdifferentforeachprojectmanagementprojectandtriflingdozensof$recordstatistics,bankloansdoitselfpayoperatingcostsalsorisesgreatly.Forexample,alsoistoprovideasumof100milliondollar

7、sinloans,lendittoseveralpeoplelenttensofthousandsofpersonalcomparewords,formercostofwillundoubtedlywillreducealot.Secondly,repaytheriskistoolarge.Providetheirloans,theBanksoftenneedstoguarantee,inordertoreducetherisksofborrowerscannotreimbursement,andthisiswheret

8、hepoorarelacking.Nowarranties,bankworriedthattheywon'tgetloansinrepayasscheduled,thuscausingthebankisalwaysonthispopulationtightgatesituation.So,muhammadyunusa