Micro-lending has become an increasingly popular tool for poverty alleviation in developing countries.
在发展中国家,小额信贷已成为一种越来越受欢迎的减贫工具。
She started her business with the help of a microloan from a local microfinance institution.
她在当地微型金融机构的小额贷款帮助下开始了她的生意。
The
microlending platform connects lenders directly to borrowers, eliminating intermediaries.
这个小额借贷平台直接将放贷人与借款人连接起来,消除了中间人。
Many entrepreneurs have been able to rise out of poverty through
microlending initiatives.
许多企业家通过小额信贷项目得以摆脱贫困。
Governments and NGOs often collaborate on
microlending programs to stimulate rural economies.
政府和非政府组织经常合作开展小额信贷计划来刺激农村经济。
Microcredit is an effective way to empower women by providing them access to financial resources.
小额信贷是赋予女性权力的有效途径,因为它为她们提供了获得金融资源的机会。
Critics argue that high interest rates associated with some
microlending can lead to debt traps for borrowers.
批评者认为,一些小额信贷所伴随的高利率可能导致借款人的债务陷阱。
Microlenders typically do not require collateral or credit history, making it easier for low-income individuals to qualify.
微型贷款机构通常不需要抵押品或信用记录,使得低收入个人更容易获得资格。
A growing number of online platforms facilitate
microlending, allowing investors to lend small amounts to individuals worldwide.
越来越多的在线平台促进了小额信贷,使投资者能够向全球各地的个人提供小笔资金。
By investing in
microlending, philanthropists can support entrepreneurship and economic growth in underserved communities.
通过投资小额信贷,慈善家可以支持服务不足社区的企业家精神和经济增长。
This will help us overcome our financing difficulties and relieve us from restrictions on leverage for microlending companies," Liu said.
"Financing is the biggest problem restricting the development of microlending companies, which are not allowed to absorb public deposits.
The balance of loans associated with the company's assistance to banks in microlending was 4.59 billion yuan, or 41.4 percent of the total.
"We hope that regulators and policymakers will give some policy space to high-quality microlending companies in terms of financing," Liu said.
"We also hope that government agencies will have correct views on the role of microlending companies in the financial system.
The regulator will cooperate with local authorities to speed up the implementation of a pilot program, which pushes online lending platforms to transform into microlending companies.
Experts expected fintech companies such as Ant Financial and JD Finance to make a greater contribution to the development of microlending based on big data and artificial intelligence.
But they do face challenges, Zeng said, giving the example of the intensified market competition, resulting from more commercial banks engaging in microlending.
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