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1、外文題目:InRuralBangladeshBankDevelopmentPattern出處:AsiaMonit:SouthAsiaMonit作者:者:ClaudioGonzalezVega原文:文:InRuralBangladeshBankDevelopmentPatternByClaudioGonzalezVegaBangladeshgrameenbankthehisticalbackgroundoftheemergenceTheN
2、obelpeaceprizef2006wasawardedinBangladeshmuhammadyunusgrameenbankestablished.InruralBangladeshbank(alsocalledgrameengrameenbank)sinceitsinceptionsuccessfullyinBangladeshintroducedapopeasanthouseholdsmicrofinancemodelthew
3、holewldatremendousechoitsfoundermuhammadyunusearnedbankertotheporeputation.In1976muhammadyunuslendingexpedtohundredvillages.In1983classicsbycongressBangladeshgovernmentlicencesmuhammadyunuscreateestablishedtohisGrameenBa
4、nknamedsomebody(i.e.GrameenBankGrameeninBengaliinthe“village“means).Thisemergingbankingsoonreceivedalotofpublicsupptfdevelopingcountriesimplementmicrofinanceprovidesagoodreference.inruralBangladeshbankoperationmodeFdinar
5、ycommercialBanksinBangladeshitprovidessmallloansoftenisanotyetbravedalsoDisdaintosetfootinthefield.scatteredintoabanksmallscalecollectiverelationship.OntheonehBanksgroupbetweenis“trust“.Muhammadyunuszhao:pobanker.Aslonga
6、stheteameverymemberontimereimbursementtheycangettothebankloanunceasinglytherightButifonebreachtheteamothermembersalsowillbeso“reputation“damaged.Ontheotherhteammembersareresponsiblef“between“mutualrelationship.Duetotheir
7、owninterestsarecloselyrelatedeveryoneinchoosingaloangroupmatesalwayscautioncreditnotbeautifulpersonoftennomantakereason.Sobankpreviouslyhadtopaythecostofsupervisionqualificationexaminationweretransferredtobrowersofbodyop
8、erationcostnaturedecreases.TherefeinruralBangladeshbankingmodelisanongovernmentalganizationswkinginmicrofinancemodethemanagementinstitutionitselfimplementcommercializedmanagementwhichrequiresthesamecommunitysocialeconomi
9、cstatusofsimilarlivesonvoluntarybasiscompositionmutualhelpchooseloangroupprojectmutualsupervisionprojectimplementationSharedbrowedresponsibilityIngroupestablishedonthebasisofcenterasloandealtechnicaltrainingplacesAllowfa
10、rmersininstallmentreimbursementbutmustberegularlyattendcenteractivitiesToabidebythebankdisciplinebasedonthesuccessoftheprojectontimereimbursementoffarmersimplementscontinuouslendingpolicies.Dishesgallaskingdomgrameenbank
11、operationmodeofanotherimptantacteristicismarketizedoperations.Muhammadyunushighlynotalwaysrelyonthegovernmentexternalassistancesustainbankalsonotunconditionallytopovillagersalmsitiesbutasafullymarketientedmeansselfrelian
12、ceofenterprises.FexampleinruralBangladeshbankprovidessmallloansofinterestthandinarycommercialbankinterestrateisuptofourpercentagepointsEveniffloodingtnadoesetcdisasterthebankalsowontfreevillagersloanbutjusttohelptheirres
13、tructuringloanschemeInprovidingservicetovillagersbankprovidesthefreeserviceevenneverishelpingthemwholesalevegetableseedsiodinatedsaltlifestyleetc.AlthoughhavereceivedtensofmillionsofdollarsofdonationlowinterestloansBangl
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