Bank of China Makes First Loan to MFI Khmer Times/May Kunmakara

中国银行向kmer Times/May Kunamkara 微型金融机构提供第一笔贷款

Sunday, 22 November 2015

2015年11月22日，星期日

Prasac Microfinance Institution, the largest microfinance institution in Cambodia, on Friday received an up to $10 million loan from the Bank of China to expand lending in rural areas.

柬埔寨最大的微型金融机构，Prasca在本周五收到了中国银行批准的1000万美元贷款，这笔贷款可用于扩展该机构在乡村地区的信贷业务。
This is the first loan from the Bank of China to a microfinance institution (MFI) since it commenced operations in Cambodia in 2010.

从2010年进入柬埔寨至今，这是中国银行向当地微型金融机构批准的第一笔贷款。
It comprises a three-year $2 million loan and an $8 million overdraft facility, according to a press release from Prasac announcing the loan.

根据Prasac的通告，这笔贷款包括一笔为期三年200万美元的贷款和另一笔800万美元的透支额度。
ChenChangjiang, CEO of Bank of China’s Phnom Penh branch, said at the signing ceremony for the loan on Friday that Cambodia’s fast-growing economy was increasing the need for credit in rural areas and that this was why it was giving the loan to Prasac.

中国银行Phnom Penh 支行首席执行官，陈长江（音译）在周五签字仪式上表示：柬埔寨经济增长迅速，带动了乡村地区的信贷需求，因此，中国银行决定批准此次贷款。

“We are providing funds to local leading players, including microfinance institutions,” Mr. Chen said. He added that more loans would be given to microfinance institutions in the future, and that these will assist in the development of Cambodia’s economy. “Prasac MFI is the number one microfinance player in Cambodia, so we are happy to offer this loan to support the Cambodian economy,” Mr. Chen added.

陈说：“我们向当地的放贷机构提供资金，其中包括微型金融机构”。他补充道：“将来我们会为微型金融机构提供更过的贷款，助力柬埔寨经济发展。Prasca MFI 是柬埔寨排名第一的微型金融机构，我们很乐意提供这笔贷款，支持柬埔寨经济。”
Sim Senacheert, president and CEO of Prasac, said that the loan is timely as demand for credit in rural areas is rising, especially to expand small and medium-sized enterprises and for start-ups.

Sim Senacheert, Prasac 总裁兼首席执行官，谈道：这笔贷款非常及时，因为乡村的信贷需求正在增长，尤其是中小企业和初创企业扩大规模，特别需要资金。
“Although we have been growing very fast in the past few years, we still see more demand for credit,” Mr. Senacheert said. The loan from the Bank of China will help Prasac reduce the credit gap, he added.

Senacheert 补充说：“尽管近年来，我们发展迅速，但我们发现信贷依然供不应求。中国银行的贷款可以帮助填补信贷缺口。”
Mr. Senacheert expressed confidence that the first loan from the Bank of China would not be the last. “I believe we will cooperate further. I hope that we can build business relations for other banking services or other facilities that can be mutually beneficial for economic development,” he explained.

Senacheert 充满信心地说：我相信这第一笔贷款绝不会是最后一笔，我们将会进一步合作。我希望我们会与其他银行或其他金融机构建立商业关系，互惠互利，促进经济发展。
In June, Prasac received a $65 million syndicated loan arranged by the International Finance Corporation from three Thai banks, which contributed $20 million each, and ING Bank NV, which contributed $5 million. The loan was intended to increase credit to micro, small, and medium-sized enterprises in rural areas, most of which are owned by women.

今年6月，Prasac 收到了一家国际金融公司协调的一笔6500万美元贷款，这笔贷款的组成是：三家泰国银行各提供2000万，以及ING 银行NV 的500万。这笔巨额贷款将致力于向乡村中小微企业提供信贷，大部分上述企业是由妇女经营的。

Private sector credit has grown by nearly 30 percent annually over the past three years, and expanded another 33 percent by the second quarter of this year. The credit-to-GDP rate doubled over this period to over 50 percent and the loan-to-deposit ratio surpassed 100percent early this year, according to a report from International Monetary Fund released early last week. It warned that the growth could pose an increasing risk.

在过去的三年内，私人信贷的年增长率达到了30%，今年第二季度的增长率更达到惊人的33%。参考国际货币基金组织在本周发表的报告，过去三年内，该国信贷GDP 比率已经增长了250%，今年年初信贷存储比也超过了100%。报告中还警告说如此快速的增长可能会带来更大的风险。
Mr. Senacheert said that although his financial institution continues expanding credit it is doing so cautiously. “I think that we are growing in the right way. If we see that we have any problem with non-performing loans, if we see that there is over indebtedness to clients we will not grow. So, we are growing in both quantity as well as quality,” he explained.

Senacheert 先生说：“尽管我们的金融机构不停地增发贷款，但我们还是很谨慎。我认为我们的增长方向是正确的。如果我们发现有一些不良贷款，如果我们发现客户中有过度借贷情况，我们将不会增长。我们走的是质量与数量兼顾的增长之路。
“Whenever we provide loans to our clients, to farmers, to rural people, we are also taking care of their problems. We have to assess loans properly and we have to ensure that [clients] have the ability to repay,” Mr. Senacheert said.

“每当我们向客户，向农民，向乡村居民提供信贷时，我们同时关注他们的困难。我们正确地评估贷款，而且我们必须确保我们的客户有足够的偿还能力。”Senacheert 总结道。

（翻译：韩丁）