試析我國農(nóng)業(yè)信貸的問題[外文翻譯]
Tries to analyze our country farm credit the question
內(nèi)包含中文翻譯和英文原文，內(nèi)容完善，建議下載閱覽。

①中文頁數(shù)5

中文字數(shù)4161

②英文頁數(shù)8

英文字數(shù)15109

③ 摘要
小型金融機構(gòu)提供房貸多樣化的一個原因，是商業(yè)好處。通過貸款，與借款者建立更為長久的關(guān)系，同時增加在貸款的可能性，使得貸款期延長。因此，向土地和住房放貸，對于機構(gòu)尋求機會擴大來和加強運作來說，有商業(yè)好處。
小型金融（機構(gòu)）意味著為貧窮家庭提供數(shù)額非常小的貸款，來幫助他們?nèi)⑴c生產(chǎn)活動，或者擴大他們的小公司。經(jīng)過一段時間，小型金融已經(jīng)包括了一系列的服務(wù)：信貸、存款、保險等。我們開始意識到，窮人，特別是那些非常貧窮的人，他們?nèi)狈εc傳統(tǒng)金融機構(gòu)打交道的途徑，而他們正急切需要金融服務(wù)。傳統(tǒng)金融機構(gòu)致力于提供標(biāo)準化的信貸產(chǎn)品。窮人，和其他人一樣，事實上迫切需要各種各樣的金融工具來建立資產(chǎn)、穩(wěn)定消費、保護自己免受風(fēng)險侵襲。因此，我們看到，小型金融的定義正在不斷擴大。我們當(dāng)前面臨的挑戰(zhàn)是找到一個行之有效而且可靠的方法，提供更加多樣化的金融產(chǎn)品。小型金融不僅僅擴大了信貸規(guī)模，而且對于那些急需資金來養(yǎng)活家庭的人擴大了信貸量。不能僅僅通過量來做評價，還要通過質(zhì)量來評估。

One reason for the diversification of microfinance agencies into housing is commercial advantage. Another advantage is that the
longer repayment period associated with housing loans helps to draw the borrowers into a longer-term relationship with the
lending agency and increases the likelihood that further loans will be retaken. Thus, lending for land and housing has commercial
benefits for a microfinance industry seeking to extend its niche and strengthen performance.
Micro finance means providing very poor families with very small loans (micro credit) to help them engage in productive activities or grow their tiny businesses. Over time, microfinance has come to include a broader range of services (credit, savings, insurance, etc.)as we have come to realize that the poor and the very poor that lack access to traditiona lformal financial institutions require a variety of financial products.Traditionally micro finance was focused on providing a very standardized credit product.The poor, just like anyone else, (in fact need like thirst) need a diverse range of financialin struments to be able to build assets, stabilize consumption and protect themselves against risks. Thus, we see a broadening of the concept of micro finance--- our curren tchallenge is to find efficient and reliable ways of providing a richer menu of microfinance products. Micro Finance is not merely extending credit, but extending credit to those who require most for their and family’s survival. It cannot be measured in term of quantity, but due weightage to quality measurement. How credit availed is used to survive and grow with limited means.


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