时间:2018-12-07 作者:英语课 分类:英语音频杂志


英语课

   “我身为这个社会的一份子,为自己感到羞耻,这个社会不能为42个勤奋而有能力的人提供甚至只是27美元的工资。”所以穆罕默德尤努斯(Muhammed Yunus)开始了他自己的银行。


  Grameen Bank
  
  By Linda Baxter
  "If we are looking for one single action which will enable the poor to overcome their poverty, I would focus on credit”. (Dr Muhammad Yunus)
  
  The beginning
  Twenty five years ago, Muhammed Yunus, a Bangladeshi economics teacher, was visiting a village when he met a woman who made bamboo stools. She couldn’t afford to buy the bamboo to make the stools, so she had to borrow the money from the bamboo sellers and then pay them a large part of the profit from each one she sold. There was so little money left for her to keep that she couldn’t afford to buy more bamboo, so she had to borrow more money. And so the cycle continued with no way out for her. She couldn’t borrow money from friends or family because they were as poor as she was. She couldn’t borrow from the bank because she had no collateral 1 (property or land) to guarantee that she would pay back the loan.
  Yunus went around the village and found forty-two people who were in the same situation - trapped in a cycle of poverty with no escape. When he added up the amount of money that they needed to break free of the cycle, it came to just twenty-seven dollars. As Yunus says “I felt ashamed of myself for being part of a society which could not provide even twenty-seven dollars to forty-two hardworking, skilled human beings.”
  He lent them the money and told them to pay it back whenever they could. He got all of it back, so he went to other villages and did the same thing. He always got his money back. The official banks didn’t want to get involved in what he was doing, so Yunus started his own bank. The Grameen bank was born, and with it a new approach to lending money – ‘micro-credit’.
  
  But what makes the Grameen bank so different?
  The conventional banking 2 system is based on the principle that the more you have, the more you can borrow. Grameen gives priority to those who have nothing, particularly the poorest women. The loans are small and repayments 4 are made in small amounts spread over a year, with a built-in insurance scheme so that the family doesn’t become responsible for the loan if something happens to the borrower. There is no legal contract between the bank and the borrower, and no danger of legal action if the repayments are not made – the relationship is based on trust and good faith.
  Repayment 3 rates are very high for two main reasons. Firstly, borrowers know that they cannot borrow again if they don’t repay the first loan. And secondly 5, they must join a group of other borrowers who all share some responsibility for other members’ loans and are encouraged to make group decisions. So there is considerable peer pressure and support from the group to encourage them to pay it all back.
  Another important difference from conventional banks is that Grameen has a social programme. The system encourages the borrowers to do practical things to improve their living conditions, health and level of education. These are known as the ‘Sixteen Decisions’ which include, for example, not continuing the dowry system, growing fresh vegetables, organising clean drinking water and good sanitation 6, education for children, and being ready to help each other whenever necessary. Conventional banks would not consider this to be any of their business.
  
  The success
  The bank now lends over a billion dollars to more than two million borrowers, 96% of them women, and involving more than half of the villages in Bangladesh. The repayment rate is 99%. The rural economy of the country has improved greatly since the bank started. And the success has spread. This year it was estimated that there are now over 7,000 microcredit organizations in the world, lending to over 16 million of the poorest people.
  Grameen’s success in Bangladesh has also shown that the developing world has lessons to teach richer countries like the USA and Britain. Both countries have begun to encourage microcredit schemes based on the Grameen model, in an attempt to deal with their own levels of poverty.
  
  original link on British Council URL learnenglish central magazine home credit

1 collateral
adj.平行的;旁系的;n.担保品
  • Many people use personal assets as collateral for small business loans.很多人把个人财产用作小额商业贷款的抵押品。
  • Most people here cannot borrow from banks because they lack collateral.由于拿不出东西作为抵押,这里大部分人无法从银行贷款。
2 banking
n.银行业,银行学,金融业
  • John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
  • He possesses an extensive knowledge of banking.他具有广博的银行业务知识。
3 repayment
n.偿还,偿还款;报酬
  • I am entitled to a repayment for the damaged goods.我有权利索取货物损坏赔偿金。
  • The tax authorities have been harrying her for repayment.税务局一直在催她补交税款。
4 repayments
偿还,报答,偿付的钱物( repayment的名词复数 )
  • The repayments of the loan are spread over 10 years. 贷款可在十年内分期偿还。
  • The repayments of the loan are spread over 25 years. 这笔贷款分摊二十五年偿还。
5 secondly
adv.第二,其次
  • Secondly,use your own head and present your point of view.第二,动脑筋提出自己的见解。
  • Secondly it is necessary to define the applied load.其次,需要确定所作用的载荷。
6 sanitation
n.公共卫生,环境卫生,卫生设备
  • The location is exceptionally poor,viewed from the sanitation point.从卫生角度来看,这个地段非常糟糕。
  • Many illnesses are the result,f inadequate sanitation.许多疾病都来源于不健全的卫生设施。
学英语单词
accelerator system
acute corrosive esophagitis
alloskin
ammonium phosphotungstate
archhydra
armed forces history
aulacaspis actinidiae
authorized surveyor
Barsukovskaya
bloodguiltiness
boot compartment
boratrane
bowl metall
brisk commerce
building-materials
cabin passenger's ticket
cavolina gibbosa
chain floor trolley
common ram
comptes
conditional instability rate
corporate policy
dennebol
dermosol
dial into
dialefes
Directory System Agent
dispense notes
edge ahead
elapsed time value
enclosed lamp sign
explosive-ordnance disposal
family Phaethontidae
feed on animal's blood
fire size class map
fornix conjunctivae superior
freshlings
gilhool
graphical solution
hunt-and-peck
ill-defined
inactive front
infect tube
instrument line break accident
internal reference electrode
Ismotic
isolating cock
logic behaviour
LPG platforming
manabozho
maritime trade
masnulonucleus
membrane compressor
membron
midget socket
mini-dvd
Mogenson screen
momentum screw
monilated
musths
no reporting knowing crimes
non-performings
Open Source Initiative
out of the dark
own court
PEC (printed electronic circuit)
perlita
permanent base
pin rib
pinnatin
polysemant
postcard paper
programming language research
promontoires
public discussion format
quartz spectral photometer
quick disconnection
rice leaf roller
rocard
Rostrospirifer
self-taughts
seminarize
sex-chromatin body
sexually mature
sfw
souray
Spergularia rubra
steel-tape sheath
sublayering
suction hose
tail production
take a wife
tax on price of land
tractus corticobulbaris
trailing spark plug
uninformedness
unit element of ring
vertical digester
vertical edge l head half round scraper
Wampumpeag
warm nersery paper
woolsorter's pneumonia