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Jingdong book

穷人的银行家(三版)

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穷人的银行家(三版)

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Content Description

1983年,穆罕默德·尤努斯创立了格莱珉银行,专注于向最穷苦的孟加拉人提供小额贷款。他的目标是:帮助穷人实现个体创业,从而使他们永远地摆脱贫困生活。
这个理想诞生于1976年,那天,他自己拿出27美元借给村子里42个制作竹凳子的农妇。只需要这一点点钱,她们就能够购买原材料,从而做起生意。尤努斯的小额贷款帮助她们永远摆脱了贫困。
尤努斯坚信,借贷是一项基本的人权,他提出了简单而充满智慧的解决贫困的方案:为穷人提供适合他们的贷款,教给他们几个有效的财务原则,然后,他们就可以自己帮助自己。尤努斯的理论被实践证实了,格莱珉银行已经向240万个盂加拉农村家庭提供了38亿美元的贷款。今天,有250多个机构在将近100个国家里基于格莱珉的模式运作着,而格莱锻行领导着这个以小额贷款消除贫困的席卷全球的运动。

Author Description

穆罕默德·尤努斯,1940年出生于孟加拉的吉大港,毕业于达卡大学,得到富尔布赖特(Fullbright)奖学金后赴美,在范德比尔特大学学习并获得经济学博士学位。曾任吉大港大学经济系主任,格莱珉银行的创始人,2006年10月13日荣获诺贝尔和平奖。

Comments

★尤努斯的理想已经在第三世界产生巨大影响……仅是聆听他的理想:从贫穷根源上人手去争取一个“没有贫困”的世界,就如所有美国成功的神话那样令人振奋。
——《华叠顿邮报》

★格莱珉的成就令人目眩神迷……这是一个真正有效的援助规划。
——《纽约时掇》

★穆罕默德,尤努斯是一位实践的理想家,使孟加拉以及世界各地成百上千万人的生活得到改善。
——《洛衫矾时报》

Catalogue

赤贫沙漠上的清泉——译序 吴士宏
序言
第一章 吉大港,博克瑟哈特大街20号
第二章 一个孟加拉人在美国
第三童 回到吉大港
第四章 乔布拉村做竹凳的匠人
第五章 试验项目的诞生
第六章 从乔布拉扩展到坦盖尔
第七章 一家为穷人服务的银行诞生了
第八章 为穷人服务的银行——成长与挑战,1984-1990
第九章 应用于其他贫穷国家
第十章 应用于美国与其他富有国家
第十一章 格莱珉在90年代
第十二章 超越小额贷款:格莱珉众企业的新世界
第十三章 第二代格菜珉银行
第十四章 未来
附录一 格莱珉简况
附录二 联系方式
Book Abstract

1991年2月的大选结果和我们的小额贷款项目的持续扩展使我们十分高兴,但一系列挫折又使我们猝不及防,1991年几乎成为我们最为艰难的一年。第一个打击是,新当选政府决定,国有银行免除所有贷款额在5000塔卡(当时大约为125美元)的贷款。虽然这一政策听起来仿佛会对穷人有好处,事实上由国有银行做的这些贷款几乎百分之百转向了人口中拥有土地的,富有的人群。但是,由于我们的大多数贷款额低于5000塔卡,许多格莱珉的贷款者以为自己的贷款已经被免除了呢。向我们的贷款者解释,为什么他们村里有钱人的贷款被勾销了,而他们的并没有勾销,是极为困难的事。然而我们别无选择。格莱珉不是靠政府的补贴生存的,将我们125美元以下的所有贷款一笔勾销会意味着我们的终结。最终,我们的贷款者接受了我们的论据,但那是要他们吞下去的一粒苦药。我们希望,在未来,孟加拉政府和所有有小额贷款项目的国家政府在豁免贷款之前要三思。
甚至在贷款的局势平静下来以后,我们的问题还远没有结束呢。4月30日,一股龙卷风袭击了孟加拉南部地区,在可怕的一夜中就夺去了11万人的生命。这场龙卷风是在凌晨两点来袭的,大多数人猝不及防。许多格莱珉银行的工作人员和经理受了重伤,从惊骇中缓过来之后,那些能出去的人就坐船去寻找幸存者。在曾为房屋的废墟周围,死人与死牲畜肿胀的尸体漂浮着。
幸存者们被领到干地上去,他们中许多人受了严重的惊吓。一些人由于害怕抢东西的人把他们仅存的东西偷走,拒绝离开他们残败的家。在龙卷风造成的洪水之后的几个小时,许多受伤的幸存者死去了,因为他们无法得到马上的避难之所与食物。
当我抵达吉大港,对那一劫难进行评估时,我真是惊骇万分。一个妇女告诉我,她和她的孩子一起跑回龙卷风避难所,结果狂风把孩子从她怀里刮走了。几分钟后,她意识到,如果不马上进避难所,她就没命了。她再也没有见到自己的孩子。
……

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