THE POOR ALWAYS PAY BACK: THE GRAMEEN II STORY
Book ID/图书代码： 07720006B07750
English Summary/英文概要： Grameen Bank, winner of the 2006 Nobel Peace Prize, has undergone many changes since its founding. This book is an introduction to these changes, known as "Grameen II". Grameen II is an improved and flexible version of the classical Grameen model that is currently being used to financially empower the poorest families in more than a hundred countries across the globe through savings and loans. It describes how a flagship institution such as Grameen Bank accomplished a complete and effective overhaul of its system.
The Poor Always Pay Back demystifies Grameen II to policymakers, practitioners and the larger development community and shows that, through the use of Grameen II, Grameen Bank is addressing the frontier issues in microfinance: open access savings, flexible loan products, self reliance and absence of donor dependency for funds, and product development to cater to the needs of the retirees (Grameen Pension Scheme) and their adult children (Higher Education Loans).
Valuable to all those interested in the practical steps taken to alleviate poverty in developing countries, The Poor Always Pay Back offers one of the first sound proofs of the saving capability of the poor on a large scale. The success of Grameen Bank and the microcredit movement as a whole has proved the credit worthiness of the poor beyond question. Grameen II shows that the poor, given the oppourtinity, will save a great deal and will always pay back.
Chinese Summary/中文概要： 这是一本讲述2006年获得诺贝尔和平奖得主孟加拉银行家穆罕默德·尤纳斯创立的格拉明银行的过程。<10月13日当地时间上午11时(北京时间17时),瑞典皇家科学院诺贝尔奖委员会宣布将2006年度诺贝尔和平奖授予孟加拉银行家穆罕默德·尤纳斯及其创立的格拉明银行>，穆罕默德·尤纳斯亲自为此书写序。
格拉明乡村银行模式是一种非政府组织从事小额信贷模式。格拉明乡村银行创建于1974年，80年代在政府支持下转化为一个独立银行，但实质上仍为非政府组织。格拉明以小组为基础的农户组织，要求同一社区内社会经济地位相近的贫困者在自愿的基础上组成贷款小组，相互帮助选择项目，相互监督项目实施，相互承担还贷责任；在小组基础上建立中心，作为进行贷款交易和技术培训的场所；无抵押的、短期的小额信贷，但要求农户分期还款，定期参加中心活动。对于遵守银行纪律、在项目成功基础上按时还款的农户，实行连续放款政策。经营机构本身实行商业化管理，特别是以工作量核定为中心的成本核算。
小额信贷在70年代发端于孟加拉国，它是满足穷人信贷需求的一种信贷方式，贷款对象仅限于穷人，额度很小，无需抵押。自创立以来，小额信贷受到了穷人的热烈欢迎，迅速推广到亚洲、非洲和拉丁美洲的许多发展中国家，成为一种非常有效的扶贫方式。各国根据本国特点逐步创新出新的小额信贷模式.
Awards/获奖情况：2006 NOBEL PEACE PRIZE winner
About the Author/作者介绍：
Format:TRADE PAPERBACK ILLUSTRATED
Rights Status/版权销售情况：Simplified Chinese/简体中文：AVAILABLE(到期可授)
Complex/Traditional Chinese/繁体中文：AVAILABLE(到期可授)
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