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孟加拉乡村银行的成功,蕴含了深刻的经济学道理。它们的“小组”设置、惩罚与激励机制的设计、贷款额、还款额的设计、与乡村文化紧密结合的设计都体现了设计者将经济学思想置于特定文化氛围中的睿智。孟加拉乡村银行的成功不仅是尤纳斯博士的成功,更是实务工作者和学者们应该深入思考的问题。
The success of Bengal Rural Bank contains profound economic truth. The design of their “team” settings, penalties and incentives, the design of loan amounts, repayments, and the design closely integrated with rural culture embody the wisdom of designers to put economic thinking in a particular cultural context. The success of Bank Negara in Bangladesh is not only the success of Dr. Yunus, but also the issue that practitioners and scholars should think deeply about.