论微型金融“多位一体”模式的双赢效应:以格莱珉为例

Win-win Strategy of Microfinance"Multi-Position in One"Model:Grameen Bank Case

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。

＂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.