1、 中文 3340 字 毕业论文 英文资料翻译 学 院： 经济学院 专 业： 金融学 班 级： 姓 名： 学 号： 指导教师： 2012 年 6 月 1 In Rural Bangladesh Bank Development Pattern 1 Claudio Gonzalez Vega Bangladesh grameen bank the historical background of the emergence The Nobel peace prize for 2006 was awarded in Bangladesh muhammad yunus and grameen bank
2、 established. In rural Bangladesh bank also called grameen grameen bank since its inception and successfully in Bangladesh introduced a poor peasant households microfinance model the whole world a tremendous echo its founder muhammad yunus earned banker to the poor reputation. In 1976 muhammad yunus
3、 lending expanded to hundred villages. In 1983 classics by congress Bangladesh government licences muhammad yunus create established to his Grameen Bank and named somebody i.e. Grameen Bank Grameen in Bengali in the quotvillagequot means. This emerging banking soon received a lot of public support f
4、or developing countries and implement microfinance provides a good reference. In rural Bangladesh bank operation mode For ordinary commercial Banks in Bangladesh it provides small loans often is a not yet braved also Disdain to set foot in the field. First the operating cost is high. Need microfinan
5、ce villagers often comes from different social fields their business projects is multifarious: textile gauze and selling ice cream bar production bronzes repaired the radio processing mustard oil planting rice jackfruit etc. And each project loan only a few tens of dollars and even a few 1 本文原载于 Asi
6、a Monitor: South Asia Monitor 2 dollars this will give a bank officer brought a nightmare scenario: daily need tracking hundreds of different for each project management project and trifling dozens of record statistics bank loans do itself pay operating costs also rises greatly. For example also is
7、to provide a sum of 100 million dollars in loans lend it to several people lent tens of thousands of personal compare words former cost of will undoubtedly will reduce a lot. Secondly repay the risk is too large. Provide their loans the Banks often needs to guarantee in order to reduce the risks of
8、borrowers cannot reimbursement and this is where the poor are lacking. No warranties bank worried that they wont get loans in repay as scheduled thus causing the bank is always on this population tight gate situation. So muhammad yunus and how to work and get rid of the two major problems The key is
9、 two words: trust and mutual responsibility. In order to strive for to Bangladesh grameen bank of small loans villagers must advance do one thing and that is to prove his possessions are nowhere Banks provide loans to lowest guarantee limit this helps to ensure that the loans to those who want to im
10、prove the poorest and most of people living hands. If in rural Bangladesh bank to these poor women handed out the loan they need to do is not to take things mortgage at the bank but by five loans to join a team of women with a 40 members of the loan member center. Due to a sum of dozens of dollar-fo
11、r-dollar one-year loan tended to divide weekly pay way borrowers must each week to attend a group meeting each other bulletin and discuss loan repayment matters. Crucially each team member must engage the other four members of the situation is responsible. At this moment supervision and repayment of
12、 roles have changed a lot. The original Banks and borrowers between the supervision and be supervision relations and now it has been loan team members of mutual supervision and hold each other accountable substituted Banks and borrowers relation also scattered into a bank and small-scale collective relationship. On the one hand Banks and group between is quottrustquot. Muhammad yunus zhao: poor banker. As long as the team every member on time reimbursement they can get to the
