38_More Microfinancers ：更多的小額貸款者

小編導語：該視頻主要講述了有關小額貸款者越多，對人們而言越有益的內(nèi)容。貸款是銀行或其他金融機構按一定利率和必須歸還等條件出借貨幣資金的一種信用活動形式。廣義的貸款指貸款、貼現(xiàn) 、透支等出貸資金的總稱。接下來和小編一起來學習關于小額貸款的內(nèi)容吧！

Small loans, perhaps just 25 dollars,...

小額貸款，也許僅僅25美元，...

...can be enough to start a small sewing business or a bakery.

就足以開始經(jīng)營一個小縫紉業(yè)務或經(jīng)營一家面包店。

The basic thinking is that it generally works in the sense of lifting people out of poverty.

通常基本的想法是，從幫助人們擺脫貧困的意義上說，它都會起到作用。

Probably the biggest drawback is that it's very hard to scale up on a level that will,...

或許最大的缺點是很難擴大規(guī)模水平，...

...it's not gonna eliminate poverty.

…它并不會消除貧困。

It's not the only thing that needs to be done.

這不是唯一需要做的事情。

Robert Engelman with Worldwatch Institute says that microfinance repayment rates have exceeded the average.

世界觀察研究所羅伯特·恩格爾曼說,小額信貸還款利率已經(jīng)超過平均水平。

We were seeing bigger repayment rates working with small groups of women with small amounts of money...

我們發(fā)現(xiàn)小群體女性的小額貸款還款利率將會更高…

...than we saw in government-to-government loans, and World Bank loans,...

與我們所看到的政府間貸款和世界銀行貸款相比，…

...and certainly loans made to individual men.

當然貸款人為個體男士。

Today, there are thousands of microlenders around the world with tens of millions of customers.

India and Africa are considered the fastest growing markets...

...and the business model is growing.

Grameen Bank founder, Muhammad Yunus says, "The more lenders, the better."

We are inviting them to join in and compete in the market, so that the market becomes stronger,...

...and more competitive so the prices go down, interest rate goes down.

There are risks.

And yet, without the commercial money,...

...without commercial financial institutions,...

...it's never gonna really grow as big as it has the potential to be.