MacArthur Foundation Honors California Man for Helping Poor(翻译)

A private group has recognized a California man who helps poor people and immigrant families.
一位帮助贫困者和移民家庭的加州人得到了一家私人机构的认可。

The John D. and Catherine T. MacArthur Foundation announced last month that Jose Quinonez is receiving one of its “genius” grants.He was one of 23 people to get recognized.
上个月，麦克阿瑟基金会宣称，约瑟·奎诺内兹荣获麦克阿瑟天才奖。目前共有23位人获此殊荣，他是其中之一。

Quinonez was born in Mexico, but moved to the United States as a boy.
奎诺内兹生于墨西哥，年少时搬到了美国。

Today he is a financial service innovator.Quinonez set up a not-for-profit organization called the Mission Asset Fund.Its job is to create a fair financial marketplace for hardworking families.
如今，他是一名金融服务创新者。他创立了一家非盈利组织“资产管理平台”。其工作旨在为勤劳的家庭创立相对公平的金融市场。

Borrowing money is a big step for people who want to start a business.
借钱对于那些想要创业的人来说是一项艰巨的任务。

Quinonez says his goal is to make loans available to individuals who have limited finances.He said about seven percent of Americans do not have a bank account and do not show up on the credit rating system.Without a credit history, it is difficult for them to borrow money, get a job or start a business.
奎诺内兹称，他的目标是向资金有限的个人发放贷款。他称，大约7%的美国人没有银行账户，不会出现在信用评级指标体系中。他们若没有信用记录，就很难借款、找工作或创业。

Quinonez is using money lending traditions from Latin America, Asia and Africa to help those in need.He organized “lending circles,” where groups of neighbors and others combine their money to make small loans.
奎诺内兹使用拉丁美洲、亚洲和非洲的资金借贷传统，帮助那些需要帮助的人。他还组织了“贷款圈”，在那里邻居们和其他人可合资发放小额贷款。

Each individual has to attend a final education class, and persuade others in the lending circle to repay the money.
每个人都必须参加一个最后的教育课程，并说服贷款圈的其他人还钱。

Quinonez says more than 99 percent of the loans are repaid.
奎诺内兹表示，超过99%的贷款都已还清。

He and the Mission Asset Fund follow a borrowing and repayment activity.They report results to major credit rating agencies.This information gives the individual a proven repayment history.A good credit history makes banks more willing to make loans to these clients in the future.
他和“资产管理平台”跟进借贷和偿还活动。他们会向主要的征信机构报道结果。这些信息会证明个人的还款记录。客户若有良好的还款记录，未来银行会更愿意贷款给他们。

Jose Quinonez’ work with the fund and minorities in San Francisco helped him earn a MacArthur Fellowship.
约瑟·奎诺内兹在“资产管理平台”所做的工作，以及为旧金山少数群体做的努力帮助他赢得了麦克阿瑟奖。

A number of other organizations are now using Mission Asset Fund as a guide to setting up similar programs in other cities.
目前，其他机构也正将“资产管理平台”作为向导，指导他们在别的城市创立类似的活动。

MacArthur Fellows are chosen for their creativity, past successes and potential.They get $625,000 over five years in an effort to give them the financial freedom to follow through on their projects.
麦克阿瑟选择成员会看重他们的创造力、以往的成功经历以及潜能。过去的五年中，他们共获得62.5万美元的资金，帮助他们获得经济独立，以坚持完成他们自己的项目。

The MacArthur Foundation is one of the largest private foundations in the United States.Its website says the group “supports creative people, effective institutions, and influential networks building a more just, verdant, and peaceful world.”
麦克阿瑟基金会是美国最大的私人基金会。它在其网站上称，“我们基金会支持有创造力的人、高效的机构和有影响力的网络，以建立一个更加公平、率真、和平的世界。”

The foundation also honored a number of people for their work in other areas.This year’s class of MacArthur fellows include a human rights lawyer, an expert on languages, a microbiologist, computer scientists and a poet.
基金会还会向那些在其它领域有作为的人致敬。今年的麦克阿瑟成员包括一名人权律师、一名语言专家、一名微生物学家、计算机科学家和一名诗人。

I’m Lucija Millonig.
露茜佳·米龙尼格为您报道。