投资于穷人

大多数人相信金融界对小人物的命运漠不关心,因为归根结底,所有中低收入者的资产加在一起对盈亏结算线的影响也并不很大。今天领导金融界、或从事金融买卖的大公司和金融家也许对教堂、自己喜爱的慈善机构、自己的家人和朋友表现得非常慷慨,但他们的职业生涯却从头到尾都是在不屈不挠地追逐着利润。

这种看法大致正确,但也并不完全。比如去年10月获得诺贝尔和平奖的穆罕默德·尤努斯(Muhammad Yunus)。他1976年在孟加拉建立的乡村银行(Grameen Bank)为世界最贫困的人口提供小额贷款,帮助很多借款人摆脱了贫困。这家银行也从中获得了盈利,这些年来有了一定的发展,在尤努斯的示范下,其他地方也开始了发放小额信贷的尝试。

但赚钱是否是尤努斯的最终目的?在采访中,他表示对国内劳苦大众所处困境的深切同情才是自己这样做的真正原因。他建立赢利性信贷业务的目的似乎反应出他相信自己客户诚实可信的强烈愿望。他努力从小额贷款中获取利润是为了证明这些被忽视者的金融价值,以便能将这样的贷款继续下去。

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