小额的

Muhammad Yunus, left, the Nobel Peace Prize winner, and Mosammat Taslima Begum , representing Mr. Yunus's Grameen Bank, arriving for the award ceremony at Oslo Town Hall today.

孟加拉国穷人银行家尤努斯和他创办的小额信贷银行代表今天在奥斯陆登上诺贝尔和平奖领奖台，他说，他希望这次获奖将激励他大胆的创意更好的消灭贫困、根除恐怖主义的祸根。

We should optimize service, administrate important project personally, perfect the policy environment, make full use of the policy advantages, improve finance environment, assist the private enterprises to solve financing problems through setting up petty loan and enterprises mutual fund, extend the effects of industrial chain and enhance the attraction of private enterprises through proper planning and necessary service as well as improve the market and talents environment to set a solid foundation for becoming an important gathering glace of famous private enterprises.

要优化服务水平，做到重点项目一把手亲自抓；完善政策环境，深度挖掘和充分利用好重庆的政策优势；改善金融环境，通过设立小额贷款、企业互助基金等，协助民企解决融资难题；延伸产业链带动效应，通过合理的产业集群规划和良好的配套服务，增强对民企的吸引力；同时还要切实完善好市场环境和人才环境，为全国知名民营企业"集聚"重庆奠定坚实基础。

But they are usually much lower than the local loan shark's, and poor people seem generally happy to have a reliable source of finance.

当然比起当地的高利贷，小额贷款的利率还是相当低的，穷人们有了一处可靠的融资来源，也比较满意。

Through the pectination of the practices, core mechanisms, development experiences and existing problems, the assumptions for the development of future micro-finance projects will be put forward in order to contribute somewhat to the design, implementation of the future loan projects financed by international financial organizations and to the micro-finance development in China

据此，笔者提出下述结论：在今后的项目实践中，笔者认为应逐步减少政府参与，推行以非政府组织为借贷主体的转贷新模式；积极探索灵活的利率政策，推动差别化利率；建立小额信贷的风险控制机制和监管框架，完善相关法律法规。

This chapter analyzed the mechanic of Rural credit cooperatives, Agricultural Bank of China, and Agricultural Development comment Bank of China, in order to dosing an mechanism to enhancer FII. Chapter 7. Policy sugestions on RFD to enhacing FII.

农村信用社主要是发展小额信贷；农村政策性金融在融资机制上、组建农村信贷担保银行、信贷业务种类及法律制度上进行了设计；中国农业银行从建立合理分工的农村金融服务体系的目标入手，推进农业银行的综合改革并根据商业性金融的特点明确支农地位。

The increased relief loans shall be used for developing crop cultivation, aquiculture, poultry raising, labor- intensive enterprises, farm produce processing enterprises, market circulation enterprises and infrastructure construction, which will help raise the incomes of the poverty-stricken people.

增加扶贫贷款，支持能够带动贫困人口增加收入的种养业、劳动密集型企业、农产品加工企业、市场流通企业的发展，以及基础设施建设项目，并积极稳妥地推广扶贫到户的小额信贷，支持贫困农户发展生产。

The use of market mechanisms, multi-channel clear monetary policy and the organization of more than 50 financial institutions participated in the "2003 China Fujian Fair Project", carried out docking project finance bank to negotiate; organized by the provincial and city levels, bank and capital supply and demand talks So, the two sides of supply and demand for funds to provide their own choice, the two signed a financing contract were fair amount of 18,635,000,000 yuan; support the implementation of the disadvantaged, Bangkun credit policy, with provincial and municipal levels of government, in collaboration with the Government to promote City Laid-off workers to set up micro-credit guarantee funds and agencies; to guide commercial banks to implement the national student loans and other financial operations of a number of "bundled" sales model, a sound risk control and a compensation mechanism, the National Student Loan has made more breakthroughs At the end of the balance of 110,000,000 yuan, representing growth of 77% at the beginning.

运用市场机制，多渠道疏通货币政策传导机制，组织50多家金融机构参加&2003年中国·福建项目成果交易会&，开展对接项目融资银企洽谈；举办省、市两级银企资金供需洽谈会，为资金供求双方提供自主选择的机会，两次洽谈会共签订融资合同金额186.35亿元；落实扶持弱势、帮困信贷政策，加强与省、市两级政府的协作配合，促成福州市政府设立下岗失业人员小额贷款担保基金和机构；指导商业银行推行国家助学贷款与其他多项金融业务的&捆绑&销售模式，完善风险控制和补偿机制，国家助学贷款工作取得较大突破，年末余额1.1亿元，比年初增长77%。

Increase income of local people: realize personal income reach 1,800RMB from 1,500RMB by improving local living and production facility and assist local people to develop keep sheep and pig and plant licorice and develop micro-finance project for local women.

提高当地村民的人均收入：通过改善农民的生产设施条件，并支持农户发展养羊业，养猪业，种植甘草和经果林家庭支柱产业，同时开展以妇女为主的小额信贷项目，实现农民人均收入由1500元增加到1800元。

In the United States, for example, small loan programs are serving poor Native Americans living on protected land.

例如，在美国，服务于本地贫穷的美国人的小额贷款工程，使他们能在受保护的领域继续生活。

Popularised by Grameen Bank in Bangladesh, this involves making small loans, mainly to the rural poor.

这是一项由孟加拉国的Grameen银行推广的主要向农村贫困人群提供小额贷款的项目。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。