论微型金融“多位一体”模式的双赢效应:以格莱珉为例 |
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引用本文: | 郭利燕,路阳,王银. 论微型金融“多位一体”模式的双赢效应:以格莱珉为例[J]. 济南金融, 2012, 0(1): 59-62 |
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作者姓名: | 郭利燕 路阳 王银 |
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作者单位: | 湖南大学金融与统计学院,湖南长沙410079 |
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摘 要: | 格莱珉银行创造了以创新产品业务、多维化客户身份、动员储蓄为特点的"多位一体"模式,为微型金融的发展提供了可行路径。"多位一体"模式发挥着双赢效应:它既是微型金融运营的稳定器,具有风险、成本控制效应;同时也是社会效益提升的助推器,提高了低收入群体的收入水平和商业意识,改善了社会福利水平。
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关 键 词: | 银行 商业方法 双赢效应 |
Win-win Strategy of Microfinance"Multi-Position in One"Model:Grameen Bank Case |
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Abstract: | "Multi-position in one" model, initially introduced by Grameen Bank, is characterized by product innovation, multi-identity of clients and mobilizing savings. As a feasible path for microfinance, "multi-position in one" model achieves a desirable win-win situation. It facilitates microfinance' s operation by effective risk management and cost control. Simultaneously, it increases social benefits by raising income and arousing business awareness of low-income groups, and improving social welfare broadly. |
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Keywords: | bank commercial method win-win strategy |
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