VOA慢速英语:Microsavings Could Mean Big Gains for the World’s Poor

When it comes to savings, no amount is too small. Microsaving is a growing part of the international movement of microfinance. The aim is to bring financial services to poor people.
当谈到储蓄，没有什么事小钱。微储蓄是国际小额信贷运动中一个不断增长的部分，目的是给贫困人口带来金融服务。

Modern microfinance started with Nobel Prize-winning economist Muhammad Yunus in Bangladesh. In the nineteen seventies, he started small loan programs that would become the Grameen Bank. Currently, microcredit providers are in over one hundred countries.
孟加拉国的诺贝尔奖得主，经济学家Muhammad Yunus开创了现代小额信贷。在20世纪七十年代，他开创了小额信贷，后来成为现在的格莱珉银行。目前，小额信贷服务商遍布上百个国家。

Now, microfinance institutions are starting to offer other services, including savings plans.
现在，小额信贷机构也开始提供其他服务，包括储蓄计划。

Recently, the non-profit group Small Enterprise Education and Promotion held a conference in Washington. SEEP works with over one hundred twenty groups around the world in efforts to cut poverty. It does this by supporting small businesses.
最近，非盈利性组织“小企业教育及推广”在华盛顿举行了一次会议。该组织（SEEP）与世界各地超过120个组织合作，通过支持小企业，致力于减少贫困。

The goal is help microfinance industry experts share ideas. One idea is called Financial Access at Birth, or FAB. It is designed to start each person with a financial citizenship at birth through a savings account connected to a bank deposit.
此行的目的是帮助小额信贷行业的专家交流想法。其中一种观点被称为“婴儿金融渠道”，或FAB。它是为了通过与银行储蓄账户建立联系，为每个刚出生的人建立金融身份。

Rosita Najmi is FAB's program director.
Rosita Najmi是FAB项目总监。

ROSITA NAJMI: "FAB starts with financial inclusion, but it creates other opportunities of inclusion across other sectors of health or education and I think that's what the international development community needs and seeks at this time."
ROSITA NAJMI：“FAB从金融扩展计划开始。但它为教育或健康行业提供了其它扩展机会。此刻，我认为这就是国际发展社会的需要与追求。”

Mobile or wireless technology will be important to many microfinance services. One meeting at the SEEP conference examined a mobile phone application for saving money. Debbie Dean of the Grameen Foundation says these efforts can also be extended to other financial services.
移动和无线技术对许多小额信贷服务来说将非常重要。“小企业培训与推广”会议的一次会谈审查了一个储蓄手机应用。格莱珉基金会的Debbie Dean称，这些成果还可以扩展到其他金融服务。

DEBBIE DEAN: "It's probably going to be a combination of savings programs and money transfer programs, payment systems that all kind of converge together to be able to provide the customer with the most flexibility and the most convenience to meet their needs."
DEBBIE DEAN: “这可能会成为一个结合储蓄，转账以及支付系统的程序，所有服务合成到一起能够为客户提供最大的灵活性与便利来满足他们的需求。”

But offering savings, payments and other services requires more training and controls. Rashid Bajwa leads Pakistan’s largest microfinance organization. He says more training is needed.
但是，提供储蓄、支付和其它服务需要更多培训和监督。Rashid Bajwa领导巴基斯坦最大的小额信贷组织。他称，这需要更多的培训。

RASHID BAJWA: "When microfinance institutions start offering savings, then they have to be trained to do that. This is a specialization which needs specialized people to adopt. You have to have a risk management system in place, you have to have an internal audit system in place, you have to have a huge set of new things which you generally don't need when you are just doing microcredit."
RASHID BAJWA：“当小额信贷机构开始提供储蓄时，那么他们必须经过培训来做到这一点。这是一个需要专业人士的专业领域。你必须有一个风险管理系统，你必须有内部审计制度，还有一堆只做小额信贷时通常不需要的新东西。”

Small savings deposits add up. And interest over time makes them grow. This can have a surprising effect for savers and societies.
小额存款的增加，而随着时间的推移息使存款增多。这可能对储户和社会将产生一个令人惊讶的效果。

Rashid Bajwa puts it this way. He says the amount of money that poor people have is unimaginable.
Rashid Bajwa如是说。他说，穷人拥有的资金数量是难以想象的。