微观金融的宏观潜力

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。

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