Though the US Federal Reserve’s first interest-rate hike of 2023 is smaller than those that preceded it, policymakers have signaled that more increases are on the way, despite slowing price growth. But there is good reason to doubt the utility – and fear the consequences – of continued rate hikes, on both sides of the Atlantic.
迪拜—说到底,微观金融是向无法从正式银行系统获得服务(或服务不充分)的人提供金融服务的业务。有了合适、易得、价格公平的金融服务,人们就能建立自己的储蓄,覆盖意料之外的紧急情况的成本,并投资于家庭健康、住房和教育。
国际金融公司(International Finance Corporation)估计,在过去15年中,微观金融触及了1.3亿人。在此期间,微观金融因为其能够增加金融包容度、让人们摆脱贫困而广受赞誉。但它也招来了严厉的批评,一些贷款者被指攫取暴利。
尽管微观金融业具有诸多众所周知的缺陷,但其改善穷人生活的潜力不可忽视。现在的问题是如何确保微观金融成为世界所需要的行业。在这方面,必须做三件重要的事。
To continue reading, register now.
Subscribe now for unlimited access to everything PS has to offer.
Subscribe
As a registered user, you can enjoy more PS content every month – for free.
Register
Already have an account? Log in