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NGO小额信贷泛指通过向低收入群体提供无抵押的小额贷款,达到增加收入,增进低收入人口福利的公益型小额信贷活动。NGO小额信贷是国际小额信贷的先驱和重要组成部分,全球一万多家小额信贷机构中70%是NGO。2007年福布斯首次发布全球小额信贷机构50强榜单,位居榜首的就是一家NGO(孟加拉国的ASA),ASA当时有3300多家分支机构、25万名员工和540多万个活跃客户,还款率高达99.77%。非赢利性质的公益型小额信贷机构(以下统称NGO小额信贷)。尤其是孟加拉国的穆罕默德·尤努斯开创和发展了“微额贷款”的服务,专门提供给因贫穷而无法获得传统银行贷款的农民。2006年,为表彰他从社会底层推动经济和社会发展的努力,穆罕默德·尤努斯与孟加拉乡村银行共同获得诺贝尔和平奖。在中国的也有数以百计NGO小额信贷组织机构,国内NGO小额信贷机构已经从鼎盛时期(2003年之间)的三百多家萎缩到目前的一百家,作为默默耕耘十几载的中国小额信贷事业的开拓者他们深有感触,这其中就包括做的风水云起、比较有影响力的贷帮乡村发展计划CEO:尹飞。尹飞曾就读于清华大学,被国内许多主流媒体曾为中国版的“尤努斯”。
NGO microfinance refers to the public welfare type of microcredit activities that increase the income and increase the welfare of the low-income population by providing unsecured micro-loans to low-income groups. NGO microfinance is a pioneer and important component of international microfinance. More than 70% of the more than 10,000 microfinance institutions in the world are NGOs. In 2007 Forbes released the first list of the Top 50 MFIs in the world. It topped the list with an NGO (ASA in Bangladesh). At that time, ASA had over 3,300 branches, 250,000 employees and over 5.4 million active customers. Repayment rate as high as 99.77%. Non-profit public welfare MFIs (hereinafter collectively referred to as NGO microfinance). In particular, Muhammad Yunus of Bangladesh pioneered and developed “microcredit” services specifically for farmers who have been impoverished to access traditional bank loans. In 2006, in recognition of his efforts to promote economic and social development from the bottom of society, Muhammad Yunus and the Bangladeshi Bank jointly won the Nobel Peace Prize. There are also hundreds of NGO microfinance organizations in China. The domestic NGO microfinance institutions have shrunk from more than 300 during the heyday (between 2003) to the present one hundred, They are deeply touched by the pioneers in China’s microfinance career. These include the feng shui and the more influential loans to help rural development CEO: Yin Fei. Yin Fei studied at Tsinghua University, and was used by many mainstream media in China as “Yunus”.