TAILIEUCHUNG - Lecture Micro financing & micro leasing - An Introduction: Lecture 20

The following will be discussed in this chapter: Incredulity, Ignorance, and Indifference; microlending needs its own room; models of downscaling; service company models; financial subsidiaries; lessons from downscaling. | Commercial Banks as Microlenders Summary of the Last Lecture Incredulity, Ignorance, and Indifference Microlending Needs Its Own Room Models of Downscaling Service Company Models They do not own their own portfolios and are therefore not regulated as financial institutions. Instead, they receive fee income from the parent bank for identifying clients, marketing products, appraising applications, and disbursing and recovering loans. Service Company Models The loans stay on the banks’ books. Service companies are easy to set up, since they require little capital of their own and no financial institution license. Where the regulatory framework allows, they are a good way to go. Service Company Models Banco Pichincha, Ecuador’s largest bank with million customers, leads the financial system with nearly a third of all deposits and a quarter of total credit portfolio. Service Company Models In the late 1990s, Banco Pichincha found itself with excess liquidity and a network of 235 .

• Ngân hàng - Tín dụng
• Micro financing
• Micro leasing
• Purchasing power
• Global market
• Service company models
• Commercial banks
• Bank financing
• Lease option contracts
• Financing inclusive finance
• Debt deals
• Bank loans
• ARGOZ’s lease option contracts
• Microfinance background
• Microfinance defined
• Short term profits
• Inclusive finance
• Microfinance tndustry
• Microfinance growing
• Risks of microfinance
• Average consumer
• Financial services
• Major corporations
• Informal finance providers
• Microfinance institutions
• Consumer lenders
• Understanding the clients
• The bop market
• Managing informality risk
• Reducing the cost of small
• Building the industry
• Products for the bop market
• Designing effective Products
• Renewable energy loans
• Building the market
• Housing finance
• Health insurance
• Corporate choices
• Champions of inclusive finance
• Social responsibility positioning
• New technology
• Human resources
• Conservative corporate culture
• Models of downscaling